This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page.

The American Express Platinum cards — The Platinum Card® from American Express and The Business Platinum® Card from American Express — provide excellent membership benefits as well as strong earnings on some travel purchases. Airfare is one of the spending categories where you can earn 5x Membership Rewards points, which equates to a return of 10% based on TPG’s latest valuation of Membership Rewards points at 2 cents each.

However, what’s sometimes overlooked is exactly when you’ll earn those 5x points on airfare with each card. Here’s how the earning on airfare purchases breaks down for each of the two Platinum cards:

Note that you can’t earn those valuable 5x Membership Rewards points with the Business Platinum Card if you book directly with the airline. However, if you have the personal card, you have more flexibility with your airfare purchases and when you’ll earn the 5x points.

Keep in mind the difference when thinking about which card to apply for and which better fits your (or your company’s) spending patterns. If you have both cards in your wallet, pay attention when booking airfare — be sure to use the personal card if you’re purchasing directly with the airline, as the earning each Platinum card offers isn’t equal.

Want to learn more about the benefits of The Platinum Card or The Business Platinum Card? Here’s more information on both cards:

Know before you go.

News and deals straight to your inbox every day.

The Platinum Card® from American Express

WELCOME OFFER: 60,000 Points Terms Apply.

TPG'S BONUS VALUATION*: $1,200

CARD HIGHLIGHTS: Delta Sky Club and Centurion lounge access, $200 annual airline fee credit and up to $200 in Uber credits annually

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
N/A
Annual Fee
$550
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.