Amex Business Platinum vs Green Card - Which American Express Business Card Is Best for You?

Having the right credit card can play an important role in managing your finances, and when it comes to business operations, the right business card is needed. Numerous institutions can help you get a business card, but American Express has some great options. Amex Business Platinum Card and Amex Business Green Card are two of the best business cards available in the market that many people hold. If you are willing to have any business card but are confused between the two, this guide will help you clear all your doubts.

This comprehensive approach will help you learn about the advantages and disadvantages of the Amex Business Platinum Card and Amex Business Green Card, along with what they offer in terms of welcome bonuses, redemptions, benefits, annual fees, and more.

What will you get?

The Amex Business Platinum Card and Amex Business Green Card offer several benefits you may need. Here are some of the top advantages of both cards, helping you to compare them better.  

Welcome Bonus

Amex Business Platinum Card

• Will earn 150,000 points once you spend $20,000 or more in the first 3 months on applicable purchases.
• LIMITED TIME OFFER,
• You'll receive a $500 statement credit once you spend $2,500 or more on selected flights directly booked with airlines or Via AmexTravel.com in the first three months.
• The offer ends on June 30th, 2025.

Amex Business Green Card

• The welcome bonus of 15000 points is received on spending $3k in eligible purchases within the first three months.

Points Earning

Amex Business Platinum Card 

• One will earn Five times the points on reservations for flights, prepaid hotels, short-term rentals & prepaid flights, and hotel packages when made at AmexTravel.com.
• Earn 1.5 times points on applicable buyings in key business categories. You can also earn points on purchases of $5,000 or more, which can go up to $2 million per calendar year.
• Earn 1x reward points on other purchases.

Amex Business Green Card

• Double reward points on flights and prepaid hotel reservations on AmexTravel.com
• For any other purchases, you can earn 1x points.

Redemption

Amex Business Platinum Card

• Transfering your earned points to travel partners made it easy.
• Easy and quick point redemptions for eligible airfare via AmexTravel.com for nearly 1.54 cents per point (35% Pay With Points bonus)
• Redeem points for other travel through AmexTravel.com.
• Statement credits, gift cards, online shopping, Amazon.com, PayPal.com

Amex Business Green Card

• Easy reward points transfer to Travel partners
• Redeem points for reservations made on AmexTravel.com
• Statement credits, gift cards, online shopping, Amazon.com, PayPal.com. 

Travel Benefits with Protections

Amex Business Platinum Card

• Get access to over 1,400 worldwide lounges per year.
• You get up to $200 in airline fee credit.
• Offers you a CLEAR Plus credit of up to $199.
• Get free exclusive credits of up to $200 at Hilton
• Get free credit for up to $120 Global Entry or a TSA PreCheck application fee statement but not more than $85.
• Get access to more than 2600 selected Fine Hotels + Resorts and The Hotel Collection, along with elevated benefits.
• Elite Status benefits and Perks on Hotel and rental car
• Secondary rental car insurance
• Trip cancellation and interruption insurance with additional reimbursement for non-refundable expenses
• Get reimbursement on Trip Delay
• Premium Global Assist Hotline is available for anytime travel support and assistance. 
• Access to the Business Platinum Concierge

Amex Business Green Card

• It comes with a Secondary rental car and Baggage insurance plan
• It comes with Global Assist Hotline, helping you prepare your travel plans 24*7

Shopping Benefits and Protections

Amex Business Platinum Card

• Get credits up to $400 on Dell purchases.
• Get credits up to $360 on Indeed purchases
• Find benefits up to $150 for expenses on Adobe.
• Get free wireless credits up to $120 on telephone services. (Typically, $10 a month each calendar cycle)
• Cell phone protection
• Purchase protection against accidental damage, theft, and sometimes lost coverage.
• Extended warranty protection pays the costs even after the manufacturer's warranty ends. 
• Zero Foreign Transaction Fees
• There is no preset spending limit

Amex Business Green Card

• Purchase protection against accidental damage, theft, and sometimes loss coverage. 
• Extended warranty protection pays all your costs even after the end of the manufacturer's warranty. 
• Zero Foreign Transaction Fees
• There is no preset spending limit

Annual Fees

Amex Business Platinum Card

• $695 annual membership fee
• Zero Foreign Transaction Fee.
• $350 annual fee per employee card
• Late and returned payment fee of $39 / 2.99%, whichever is greater.

Amex Business Green Card

• Annual Membership fee of $95. 
• Foreign Transaction fee of 2.7% each
• No fee for an Employee card
• There will be a late payment and returned payment fee of $39 or 2.99%, whichever is greater.

Pros and Cons

Let's discuss the pros and cons of these two cards. Future cardholders need to have knowledge about the merits and demerits of the card because it helps them to evaluate which card is perfect for them. 

Amex Business Platinum Card

Pros

• It gives 5 times Membership Rewards points on each dollar spent via AmexTravel.com on flights, prepaid hotels & flights, and hotel packages.
• Having access to more than 1,400 worldwide airport lounges.
• Get 50% more Membership Rewards points (1.5 points per $1 spent) on eligible purchases in key business categories and purchases of $5,000 or more. 

Cons

• The annual fee of $695 may feel high.
• The Airline Fee Credit is not applicable for flight fares.

Amex Business Green Card 

Pros 

• When you spend on business-related expenses, you earn rewards.
• It comes with travel and shopping protections 
• No Preset Spending Limit. The credit line dynamically changes depending on your spending behavior. 

Cons

• You may not give you many options which help you earn higher rewards.
• Foreign Transaction Fee on each transaction you make. 

Conclusion

Don't fall for the Amex Business Platinum Card, which comes with an attractive welcome offer but also charges a higher annual fee. The Amex Business Green Card charges foreign transaction fees, but the Platinum card doesn't. In the end, which Amex Business Card you should go for is completely subjective and depends on your business and travel requirements. If your business involves frequent traveling and foreign transactions, you should consider the Amex Business Platinum Card; otherwise, the Amex Business Green Card can be an affordable option.