topic Re: Amex Platinum biz vs personal card in Business Credit

Amex Platinum biz vs personal card

xenon3030 — Sat, 27 Jan 2024 06:59:18 GMT

I am evaluating to go for Amex Platinum. What are the main differences between its personal version vs the biz version, in terms of perks and benefits? Do they receive the same spending offer coupons by time? Do both look like coupon book cards? Is it straightforward to use the Adobe/indeed credits in the biz version? If there are major differences, is it recommended to go for both personal and biz versions, considering high AF on each card?

PS: The Dell credit seems to get dropped from the biz version at the end of the year. I wish that they keep some similar credits to this card to support hardware and office electronic purchases.

Re: Amex Platinum biz vs personal card

WarCulture — Sat, 27 Jan 2024 13:54:27 GMT

I find myself in the same position. The business platinum has a heavy focus on work, tech and travel. I don't see much in the way of gas, groceries, restaurants, etc. If you're leaning more into the shopping and travel I would go for the personal platinum or business gold. I've been on the fence based on these factors.

My scenarios are personal gold & business platinum or personal platinum & business gold.

Good luck!

Re: Amex Platinum biz vs personal card

xenon3030 — Sat, 27 Jan 2024 21:59:44 GMT

The AF of the biz one is more justifiable, based on its perks. I need perks on both hardware and software. For several software usage, I prefer to purchase standalone licenses (with discounts) instead of monthly payments. It should already save money over a year.

It is very hard for me to use small monthly credits of Platinum personal card. I do not like coupon like cards. It simply needs too much homeworks to be able to justify the AF. Previously, I had a personal Gold card and I closed it for these reasons.

Re: Amex Platinum biz vs personal card

CaptJOB — Sat, 27 Jan 2024 22:15:47 GMT

The Dell and airline credits are super straightforward and easy to use but from what I read recently I think Indeed and Adobe require purchasing something specific(here's the language for Adobe)

"Valid only on purchases of annual prepaid business subscriptions of Adobe Creative Cloud All Apps or Single Apps for teams or Adobe Acrobat Pro for teams, and on additional licenses added to an eligible annual prepaid subscription during an existing subscription term. Adobe Creative Cloud InCopy App is not eligible. Individual and Student & Teacher plans are not eligible."

I don't use the Adobe or Indeed coupons but the others along with the 35% rebate on airfare make this card slightly more useful than the personal card. Offers are generally a little different than the personal Plat and are more focused on business spending(of course ymmv).

Re: Amex Platinum biz vs personal card

xenon3030 — Sat, 27 Jan 2024 22:27:16 GMT

Here is the link from Adobe: https://www.adobe.com/sign/amexbenefit.html

Re: Amex Platinum biz vs personal card

ShreksBFF — Sun, 28 Jan 2024 16:24:09 GMT

I grabbed the biz plat for the 1.5x MR on purchased over $5k and also for the 170k SUB

AF isn't difficult to justify with the airline credit plus the $200 Dell twice a year

I use personal platinum for travel though since I book direct instead of via portal with exception of FHR

The 1.5x on $5k+ purchases was my main reason for signing up for it

Re: Amex Platinum biz vs personal card

xenon3030 — Sun, 28 Jan 2024 17:37:57 GMT

@ShreksBFF wrote:
I grabbed the biz plat for the 1.5x MR on purchased over $5k and also for the 170k SUB

Amex BBP gives 2x MR up to $50k. Was there any reason that you did prefer using biz Plat for such purchases?

Re: Amex Platinum biz vs personal card

ShreksBFF — Sun, 28 Jan 2024 19:27:02 GMT

@xenon3030 wrote:
@ShreksBFF wrote:
I grabbed the biz plat for the 1.5x MR on purchased over $5k and also for the 170k SUB
Amex BBP gives 2x MR up to $50k. Was there any reason that you did prefer using biz Plat for such purchases?

I'd hit that cap within 2 months, BBP is a useless card for me personally