Amex business cards need a separate comparison
Business Gold and Business Platinum are not upgraded versions of the personal cards. Eligibility, fees, payment periods, employee cards, credits and insurance are built around genuine business spend. Do not use a personal-card comparison to choose between them.
Current Business offers
| Data point | Gold | Platinum |
|---|---|---|
| Welcome bonus | 50,000 Membership Rewards | 250,000 Membership Rewards |
| Qualifying spend | €10,000 | €15,000 |
| Spend window | 6 months | 6 months |
| New-customer rule | No matching German primary card in the previous 18 months | No matching German primary card in the previous 18 months |
| Annual fee | €175 | €850 |
| First year | Waived | €850 |
| Base earning | 1 Membership Rewards / €1 | 1 Membership Rewards / €1 |
| Payment window | Up to 50 days | Up to 58 days |
| Free supplementary cards | 99 | 98 |
| Annual credits | €100 Dell per year | €200 travel + €200 Dell + €200 SIXT + up to €600 ebuero/Office Club per year |
| Officially verified | 15 October 2026 | 15 October 2026 |
Answer these questions first
- Are you eligible for the exact business product and using it only for permitted expenditure?
- What is the regular fee after any introductory period?
- Will the payment period help cash flow without encouraging spending or late payment?
- How many employee or supplementary cards do you really need?
- Which credits replace existing business costs rather than create new ones?
- Which insurance sections require payment with the card, and who is covered?
- Can your normal business spend meet any offer threshold without bringing purchases forward?
Compare the two business cards
Business Platinum
Start with the full recurring package
Business Platinum belongs in the comparison only when the recurring fee, employee-card needs, credits, insurance and travel use already work for the business. A large temporary bonus cannot replace that calculation. The current published package is €850 per year, with 250,000 points after €15,000 of qualifying spend in the first six months; the facts block above is bound to the official Business Platinum and referral snapshots.
Use only genuine, permitted business expenditure. A spending target should come from ordinary cash-flow needs, not purchases brought forward to qualify for an offer.
Apply for Business Platinum Card
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Sources: official Amex Business Gold page , official Amex Business Platinum page . The facts block is also bound to the official referral snapshots in the automated source registry and is removed from publication when a bound source changes or becomes stale.