Amex Business Platinum Card vs. Amex Corporate Platinum Card [Detailed Comparison]

The Business Platinum Card^® from American Express and the Corporate Platinum Card^® by American Express* serve different purposes for different customers. Eligibility is the key distinction, as company size determines which product businesses can choose. This guide explains who qualifies for each card, how these cards differ, and the potential value you can get from them.

Quick Overview: Amex Business Platinum vs. Amex Corporate Platinum

The Amex Business Platinum card, with its $895 annual fee (rates & fees), suits businesses of any size that want to maximize the return on their spending and take advantage of premium travel perks.

The Amex Corporate Platinum card, with a $550 annual fee (Source: American Express), is for large companies looking to centralize and streamline billing processes and manage personal liability for purchases.

To be considered for an Amex Corporate Platinum card, your business must produce at least $4 million in revenue annually, among other criteria. American Express doesn’t publish a minimum annual revenue or spending requirement for the Amex Business Platinum card.

The primary cardmember on an Amex Business Platinum card account is responsible for paying for the purchases charged to that account, but the business entity with an Amex Corporate Platinum card may be responsible for paying all charges on the account.

Another major difference is how points can be redeemed. Membership Rewards points earned from an Amex Business Platinum card can be transferred to any of the issuer’s airline and hotel transfer partners. Points earned from an Amex Corporate Platinum card aren’t transferable to partners, but can be redeemed for travel purchases through AmexTravel.com.

You can earn a welcome bonus offer with the Amex Business Platinum card, but there is no publicly advertised welcome offer with the Amex Corporate Platinum card.

Hot Tip: Check to see if you’re eligible for a welcome bonus offer as high as 300,000 points with the Amex Business Platinum card. Find out your offer. Terms Apply.

Amex Business Platinum vs. Amex Corporate Platinum at a Glance

Below is a high-level overview of the key features and benefits of the Amex Business Platinum card and the Amex Corporate Platinum card:

Can Your Business Get the Amex Corporate Platinum Card?

For your business to qualify for an Amex Corporate Platinum card, it must meet the following criteria (Source: American Express):

• Revenue of at least $4 million each year
• Business address other than a home address
• 12 months or more in business
• Not a sole proprietor

If your business meets all of these criteria, consult with an American Express representative who will assist with the application process and walk through the available options.

If you have a home-based business, are a freelancer, have a sole proprietorship, or run a small business that doesn’t meet the revenue requirements, you are ineligible for the Amex Corporate Platinum card. The Amex Business Platinum card, which has no published revenue requirement, is the best option.

Business Cards vs. Corporate Cards: The Real Differences

The Amex Business Platinum card and the Amex Corporate Platinum card are both geared toward businesses, but each is a totally different type of card.

Here’s a look at how these cards compare:

• Debt liability: Typically, a business credit card requires the primary cardholder to be personally responsible for any charges made on the card. With a corporate card, the business entity may take full responsibility or use combined liability.
• Eligibility: Any business, large or small, can apply for a business credit card, but corporate cards may accept only incorporated businesses. Additionally, minimum annual revenue requirements and a minimum number of employees may be required for eligibility.
• Application process: You can apply online for a business card, but applying for a corporate card may require a consultation with a representative to work through the application process and discuss available employee card options.
• Credit reporting: Holding a business card generally means that activity on that card is reflected in the cardholder’s credit report. Corporate card activity is reported to the business credit profile.
• Card features: Business and corporate cards allow you to manage employee spending with tracking and spending-limit capabilities. Both types of cards also typically offer reward-earning and points redemptions.

Anyone with the appropriate credit history and a business, even a small business, can apply for the Amex Business Platinum card. The Amex Corporate Platinum card requires a business to meet the 4 criteria mentioned above.

If you’re considering applying for the Amex Business Platinum card, it’s recommended that you have good to excellent credit to qualify. When applying for the Amex Corporate Platinum card, your business credit score and history determine approval.

Both cards require that the balance be paid off in full each statement period.

Amex Business Platinum Card: In Depth

The Amex Business Platinum card is designed for business owners who travel frequently enough to take advantage of its numerous perks and benefits. It offers the best airport lounge access of any business credit card and features an earning structure that lets business owners earn Membership Rewards points on all purchases.

The Amex Business Platinum card earns 5x points on flights and prepaid hotels booked through AmexTravel.com, 2x points at U.S. electronic goods retailers, software, cloud purchases, U.S. shipping, U.S. construction materials and hardware suppliers, and on purchases of $5,000 or more (up to $2 million in purchases each calendar year), and 1x points on all other purchases.

Points can be redeemed for transfers to any of Amex’s airline or hotel transfer partners or by using the Pay With Points rebate. If you redeem points through AmexTravel.com for flights on your preselected airline, you receive a 35% rebate in points (up to 1 million points back per calendar year). Otherwise, you can redeem Membership Rewards points at a value of 1 cent each for flights via AmexTravel.com, redeem them for statement credits, shop at Amazon and certain other retailers, use them for gift cards, or redeem points for prepaid hotel reservations made through AmexTravel.com.

The Amex Business Platinum card has a wide variety of perks and benefits, including:

• Complimentary unlimited access to over 1,550 airport lounges worldwide, including Centurion Lounges and Delta Sky Clubs when flying with Delta same-day (Source: American Express).
• $219 CLEAR+ credit: Pay for CLEAR+ expedited airport security membership with your card and receive up to $219 in statement credits.
• Up to $200 airline fee credit: To enroll in this benefit, log in to your online card account and select your preferred airline. Use your card to make your purchase and receive a statement credit.
• Global Entry or TSA PreCheck credit: Pay the application or renewal fee with your card and receive reimbursement for up to $120 for Global Entry or up to $85 for TSA PreCheck for application fees.
• Up to $600 hotel credit: Get a credit of up to $600 ($300 biannually) on bookings for properties in Fine Hotels + Resorts or The Hotel Collection. The Hotel Collection requires a minimum 2-night stay. Receive up to $300 from January to June and up to $300 from July to December.
• Car rental program benefits: Receive elite-style benefits such as discounted pricing, a grace period for returning your rental car, car upgrades, and more with Avis, Hertz, and National. Enrollment is required.

This is not an exhaustive list of perks and benefits. To learn more about the Amex Business Platinum card, read our full review.

Amex Corporate Platinum Card: In Depth

The Amex Corporate Platinum card, which has an annual fee of $550, is designed for large businesses that generate substantial revenue annually. Its features are designed to make it easier for companies to simplify and centralize billing processes and offer the option to shift liability from individual employees to the business.

The Amex Corporate Platinum card earns 1x points on all purchases and 5% Uber Cash on Uber rides and U.S. Uber Eats purchases (must link the card and Uber Cash accounts).

Redemption options are far more limited, with the Amex Corporate Platinum card enrolled in Corporate Membership Rewards. Notably, you cannot transfer points earned to transfer partners. Instead, you can use the Pay With Points option to redeem for some travel purchases through AmexTravel.com or Ticketmaster. You can also redeem Membership Rewards points at a value of 0.5 cents each toward statement credits.

Furthermore, you can use points to purchase Amex gift cards and purchases on Amazon and certain retailers like Best Buy. But because of the low redemption value, shopping with points is generally not recommended.

With the Amex Corporate Platinum card, the company designates administrators who are granted redemption privileges in the Corporate Membership Rewards Program. A company may also allow individual cardholders to earn and redeem Membership Rewards.

Despite fewer redemption options, the Amex Corporate Platinum card benefits include:

• Access to over 1,550 lounges worldwide, including Amex Centurion Lounges, Priority Pass (upon enrollment), Plaza Premium Lounges, and more
• Up to a $219 CLEAR+ statement credit every calendar year
• Up to a $200 airline fee statement credit every calendar year (enrollment required)
• Global Entry or TSA PreCheck application fee statement credit
• Hilton Honors Gold and Marriott Bonvoy Gold status upon enrollment
• Fine Hotels + Resorts program benefits

Additionally, cardmembers can access the American Express @ Work program, which allows program administrators to oversee their entire corporate card program, including monitoring employee spending, managing policies, and accessing insights and reporting.

Amex Corporate Platinum cardmembers can add Amex Corporate Green cards for their employees for $75 per card.

Which Card Should You Choose?

It’s not a genuine choice between the Amex Business Platinum card and the Amex Corporate Platinum card.

The Amex Business Platinum card is available to most businesses and focuses on rewards and travel benefits. The Amex Corporate Platinum card is designed for large, enterprise-scale businesses that prefer centralized billing, employee spending controls, and the ability to remove personal spending liability over earning rewards.

When To Choose the Amex Business Platinum Card

• You travel often enough to use the card’s travel benefits.
• You want luxury perks such as hotel elite status and airport lounge access.
• You want a card that earns transferable rewards.

NEW OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Your Offer Could Be As High As 300,000 points. Apply And Find Out Your Offer. You may be eligible to earn as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Your Offer Could Be As High As 300,000 Points. Apply And Find Out Your Offer.

UP's Offer Valuation*:

Up to $6,600

Annual Fee

$895

APR

17.99% - 28.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.

When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons

Pros

• Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
• Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

• High annual fee of $895 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
• See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card^® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
• Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• Terms Apply.

Financial Snapshot

• APR: 17.99% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

When To Choose the Amex Corporate Platinum Card

• Your business meets the requirements to open an Amex Corporate Platinum card.
• You value having insight into and control over employee spending.
• Your business needs a solution to streamline and centralize billing.

Final Thoughts

The Amex Business Platinum card and the Amex Corporate Platinum card serve different purposes, though there is some overlap in core benefits. The Amex Business Platinum card is available to a wider variety of businesses, and the Amex Corporate Platinum card is exclusively for businesses that meet revenue requirements. Some features, benefits, and fees of the Amex Corporate Platinum card are not publicly accessible but are disclosed and applied during the application process.

If you’re unsure which card is best for you, refer to the table at the top of this page that outlines the benefits and application requirements of each card.

*All information about the Corporate Platinum Card^® by American Express has been collected independently by Upgraded Points.