Amex Business Platinum Card vs Amex Platinum Card (Canada)
Two cards, one Standard Score rubric. The Amex Platinum Card (Canada) scores higher overall at 7.6/10 — but the right pick depends on which components match your spending.
The verdict
ExcellentPersonal and business twins with the same $799 fee, the same Centurion lounge network, and Membership Rewards that pool into one balance. The Business Platinum earns a flat 1.25x on everything, which suits unpredictable business spend; the personal Platinum's 2x on dining and travel fits everyday spend better but drops to 1x outside those categories. Business owners who can direct real spend through the card should take the business version for the write-off and category fit — everyone else just needs the personal Platinum.
See offer · current Amex Platinum Card (Canada) offer, direct from the issuer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
| Amex Business Platinum Card | Amex Platinum Card (Canada) | |
|---|---|---|
| Standard Score | 7.1/10 · Strong | 7.6/10 · Excellent |
| Annual fee | $799 | $799 |
| Welcome bonus | Up to 120,000 MR points (80,000 on $15K/3 mo + 40,000 in months 15-17) | Up to 100,000 MR points (70,000 on $10K/3 mo + 30,000 on a purchase in months 15-17) |
| Est. bonus value | ≈ $2,280 | ≈ $1,900 |
| First-year net value | ≈ $1,077 | ≈ $1,130 |
| Earn rates |
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| Points currency | Amex Membership Rewards | Amex Membership Rewards |
| No FX fees | No | No |
| Lounge access | Yes | Yes |
Where the Amex Business Platinum Card wins
No component wins — its rival scores at least as well on every Standard Score component.
Where the Amex Platinum Card (Canada) wins
- First-year value — scores 8.0/10 on this component
- Ongoing value — scores 7.0/10 on this component
- Low friction — scores 5.5/10 on this component
- Strategic fit — scores 8.0/10 on this component
Read the full reviews: Amex Business Platinum Card and Amex Platinum Card (Canada), or see how both rank in Best Travel Credit Cards in Canada.