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Compare the Features and Benefits of American Airlines AAdvantage® MileUp® and
The Business Platinum Card® from American Express

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
Free Access to Credit Score
No Fees for Authorized Users
Annual Statement Credits
Airport Lounge Access
Grants Car Rental Status
Grants Hotel Status
Earns Transferable Points
Global Entry / TSA PreCheck Reimbursement
Trip Protections
Cell Phone Protection
Secondary Car Rental CDW Waiver
Purchase Protection
Return Protection
Does Not Report Credit Line to Personal Credit Profile
Concierge Services
Has No Preset Spending Limit
Metal Card
Amex Offers
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
2x Airfare

Earn 2X miles per dollar on eligible American Airlines purchases; otherwise earn 1X

2x Groceries
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer

Earn 10,000 bonus AAdvantage® miles and a $50 statement credit when you spend $500 in your first 3 months.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.88) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

For occasional travelers that fly American Airlines and are looking to earn miles with the airline, then the AAdvantage® MileUp card could be a solid option.

And while you might not think about this card if you are already an American Airlines elite traveler, you may find the bonus categories more beneficial than the $99 fee Citi® / AAdvantage® Platinum Select® World Elite MasterCard since you already have the additional benefits like free checked bags and priority boarding via your status.

This beginner-friendly card, with no annual fee, is ideal for those who don’t travel often enough to justify a more expensive, premium card.

The AAdvantage® MileUp also has a competitive 2X bonus category rate at grocery stores (including grocery delivery services) and eligible American Airlines purchases.

And remember, all base miles earned via spend on this card count as Loyalty Points towards AAdvantage® status.

In addition, you’ll get 25% off inflight food and beverage purchases and there’s no mileage cap on the card. American Airlines miles can be used on over 1,000 worldwide destinations, as you can use them for American Airlines, American Eagle and any Oneworld alliance or non-alliance partner airlines.

american airlines, mileup card, aadvantage

However, there are some significant downsides to consider as well. While this is an airline-specific card, the MileUp card doesn’t include many airline perks, such as a free checked bag perk or preferred boarding. In addition, there’s a relatively modest welcome bonus and the card charges a foreign transaction fee (so you won’t want to use this card abroad).

And if you do fly American Airlines (and Oneworld partner airlines or JetBlue) more than a couple of times per year, but are not elite already, there are some better options out there, including those from American Airlines. That includes the mid-tier Citi® / AAdvantage® Platinum Select® World Elite Mastercard, offering the first checked bag free, and the premium Citi® / AAdvantage® Executive World Elite Mastercard, offering Admirals Club lounge access.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Free Access to Credit Score
yes
No Fees for Authorized Users
yes
Annual Statement Credits
no
Airport Lounge Access
no
Grants Car Rental Status
no
Grants Hotel Status
no
Earns Transferable Points
no
Global Entry / TSA PreCheck Reimbursement
no
Trip Protections
no
Cell Phone Protection
no
Secondary Car Rental CDW Waiver
no
Purchase Protection
no
Return Protection
no
Does Not Report Credit Line to Personal Credit Profile
no
Concierge Services
no
Has No Preset Spending Limit
no
Metal Card
no
Amex Offers
no
Annual Fee
$695 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
19.49%-28.49% (Variable)
Balance transfers fees
-
Best Multiplier
5x Airfare

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

5x Hotels

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

1.5x Single Charges over $5,000
1.5x U.S. Electronic Goods Retailers / Software / Cloud System Providers
1.5x Shipping
1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Amex Business Platinum is the one of the most expensive travel rewards cards on the market today. However, while its annual fee might be a bit on the higher side, the perks that come along with it are second to none, both from the business perspective as well as the travel angle.

For small business owners that hit the road (or skies) regularly, there really isn’t another card quite like this one.

On the travel perks side of things, the Amex Business Platinum has a laundry list of embedded extras from hotel and rental car elite statuses to complimentary access to airport lounges through the Global Lounge Collection. (See the key features and benefits above.)

However, this is a business card, after all, and where this card shines is in its statement credits. If you have business expenses that are with specific merchants, such as Indeed, Dell, and Adobe, the Business Platinum can tangibly help cut reduce costs. In addition, card holders get an extra half point per dollar (1.5X) on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, and purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. While a 1.5X bonus isn’t huge, it’s helpful that this spans a wide variety of business categories (and is capped at $2 million).

The Amex Business Platinum isn’t a card for everyone — that’s for sure. But for high-spending business owners who travel often (either for business or pleasure), this just might be the card for you.

Rates and fees for The Business Platinum Card® from American Express

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Free Access to Credit Score
yes
No Fees for Authorized Users
no
Annual Statement Credits
yes
Airport Lounge Access
yes
Grants Car Rental Status
yes
Grants Hotel Status
yes
Earns Transferable Points
yes
Global Entry / TSA PreCheck Reimbursement
yes
Trip Protections
yes
Cell Phone Protection
yes
Secondary Car Rental CDW Waiver
yes
Purchase Protection
yes
Return Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Concierge Services
yes
Has No Preset Spending Limit
yes
Metal Card
yes
Amex Offers
yes

Learn more about these cards today

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