Head to head · Reviewed 2026-07-06 · By The Points Standard editorial team
Amex Business Platinum Card vs Amex Platinum Card (Canada)
Two cards, one Standard Score rubric. The Amex Platinum Card (Canada) scores higher overall at 8.1/10 — but the right pick depends on which components match your spending.
| Amex Business Platinum Card | Amex Platinum Card (Canada) | |
|---|---|---|
| Standard Score | 7.7/10 · Excellent | 8.1/10 · Excellent |
| Annual fee | $799 | $799 |
| Welcome bonus | Up to 150,000 MR points (75,000 on $25K/3 mo + 75,000 on $75K/12 mo) | Up to 170,000 MR points (90,000 on $10K/3 mo + 40,000 on $45K/12 mo + 40,000 in months 15-17) — offer ends July 28, 2026 |
| Est. bonus value | ≈ $3,000 | ≈ $3,400 |
| First-year net value | ≈ $2,100 | ≈ $2,400 |
| Earn rates |
|
|
| 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 9.5/10 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
The verdict
Personal and business twins with the same $799 fee, the same Centurion lounge network, and Membership Rewards that pool into one balance. The Business Platinum adds a 2x rate on shipping, advertising, and gas that a sole proprietor can actually hit; the personal Platinum's 2x on dining and travel fits everyday spend better. 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.
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.