To downgrade the Amex Gold card, call American Express customer service at (800) 528-4800, and ask to downgrade your Amex Gold card to the American Express® Green Card. Banking Banking. Welcome bonus. While both cards are issued by American Express, the Amex Platinum card is a premium travel rewards card that earns Membership Rewards points, while the Delta Platinum card is a co-branded airline credit card that earns Delta SkyMiles. Best for airline-specific perks. The Amex Plum card costs nothing the first year but costs $250 per year after that. 5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Platinum Card. With amazing benefits like best-in-class airport lounge access, hotel elite status, and. 5X miles on purchases over. The break even point vs standard cards for most platinum cards is somewhere around the 30k mark. With The Platinum Card, you get automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status, premium car rental status for various car rental programs and airport lounge access. Amex Business Gold Card; Amex Plum Card; Comparing. Track spending & rewards, find offers, review your balance, pay your bill and enjoy features only available in the Amex. Learn More. The Low Rate Credit Card from American Express®. Use Amex Membership Rewards Credit Cards. American Express Blue Business Cash™ Card At a Glance. Best American Express Cards of November 2023. With most Amex cards, you're covered for up to $1,000 per covered incident and up to $50,000 per year, but the reimbursement doesn't include any shipping or handling expenses. Annual fee: $295 ($375 if application is received on or after 2/1/24). of the past due amount, whichever is greater. Subject to additional terms, conditions and exclusions. *. When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual. Fees Table . Update: The AMEX Consumer Platinum Card‘s Audible benefit will end on 10/1, however you can now use your entertainment credit for the Wall Street Journal’s digital and/or print edition! I love reading the journal, so that’s a great trade in my book. Learn what it takes to. Personally, while I don’t use every perk of the Amex Platinum card, I find I can easily offset the annual fee every year thanks to the up to $200 airline incidental credit, up to $240 digital entertainment credit, up. In contrast, the Business Platinum bonus is worth $2,400, making them two of the most valuable offers on the market. Cardmembers will receive statement credits for their total spend on NEXUS fees rounded down to. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. For starters, Capital One Venture X offers an initial bonus of 75,000 miles for spending $4,000 in the first 3 months. Those 80,000 points are worth $1,600, according to TPG's valuation. I have a platinum and a plum. Amex Platinum Card — Overview Here is a quick look at how both cards stack up in each major review category. Amex Business Platinum benefits. Learn more about the benefits Card Membership can provide. This card comes with a free year-long subscription to all of WeWork’s coworking space in its network of 720+ locations across 120+ cities in the Americas, Asia, Europe, Africa, the Middle East, and Australia. Use Uber Cash‡ earned on your work lunch toward Saturday night take-out. The Business Platinum Card ® from American Express. Credit Cards. The Business Platinum Card® from American Express is a premier travel and American Express Membership Rewards-earning card for small business owners. Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your. Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months. $155 Walmart+ Credit: Cover the cost of a $12. This feature promises and delivers instant gratification, encouraging a cycle of responsible credit card usage. Delta Reserve Card vs. 8. View side-by-side comparison of rewards, rates, fees, and benefits at CreditDonkey. 95 plus applicable local sales tax. The Business Platinum Card® from American Express can be a business traveler’s best friend. I recently downgraded my reserve card back to a platinum to get the Amex platinum. This card offers a unique payment structure that allows cardholders to pay early and receive a discount or pay later with no interest charges. 73. Both cards have the usual generous American Express sign-up bonuses: The Amex Platinum Cashback card pays you 5% back on your spending in the first three months, to a maximum spend of £2,500 (so capped at £125 back). American Express offers excellent membership benefits on its premium cards, including various luxury travel perks. $250 Transaction Fees Foreign Transaction. No, the requirements aren‘t any harder. Both card impose a 3% foreign exchange fee on transactions outside the UK. 04% difference. All the color ones with pay over time are charge cards. The variable APR on the Amex Gold can range from 15. com to select the best Business Credit Card Products for your needs. Learn More (at Amex's secure site) Summary. Amex Business Gold Card vs. Bonus value*. 3X miles on Delta and hotel purchases; 1. High credit limits. 2. Activate Your Amex Platinum Card. Enjoy 4 Supplementary Cards at no additional fee; Fee for additional Supplementary Card(s) - Rs. Just like with any airline credit card, the Delta Platinum Business card is most valuable when you use it to book airfare. of the past due amount, whichever is greater. I'm a business owner, film and TV production, and one of my biz cards is my Amex Plum. 3% Cash Back on U. Amex’s marquee business credit card, the American Express Business Platinum Card is sought after as much for its perks and benefits as for its 5X hotel and airfare rewards categories. In 2011, they put a spending limit on my account of $1500. The U. 9. $2,400. By contrast, the Amex Platinum Card currently offers a lower welcome bonus: 80,000 points after spending $8,000 within the first six months of card membership. Card details Capital One Venture Amex Platinum Chase Sapphire Preferred; Annual fee: $95: $695 (see rates & fees) $95: Bonus: 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening or 50,000 miles if you spend $3,000 on purchases in the first 3 monthsEligible purchases can be paid over time, up to the amount of your Pay Over Time Limit on your account. If you have more than $25,000 credit limit on a credit card or a combined credit limit of $35,000, it will trigger a financial review. Additional Details. While this business card doesn’t offer any robust rewards program, there’s an option to earn a discount for early payments. 95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Rinse and repeat until 7 figures. Plum may get the metal card treatment due to being in the same AF tier, but I wouldn't count on it. Extended Warranty¹. The Bottom Line. American Express ® Business Gold Card. Both cards offer a variety of statement credits and perks to help offset their yearly fees. An expanding network of airport lounges, the American Express Global Lounge Collection® is dedicated to offering Platinum Card Members more lounge options than any other card on the market*. 5X miles on purchases over. Credit Cards; Business Credit Cards;Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year. Chase Sapphire Reserve: Reserve Has More Mass Appeal. Corporate Programs. Interest rate: Pay Over Time. See the pros and cons of American Express The Business Platinum Card vs American Express The Plum Card based on no annual fee, sign up bonus, perks, interest rates, and more. First checked bag free on Delta Flights‡. The Amex Platinum card is an ultra-premium travel rewards card with a ton of benefits, so it only makes sense that it has an ultra-premium price tag to go along with it. ‡ and earn 2 miles per dollar at U. View All Prepaid & Gift Cards. $250 Transaction Fees Foreign Transaction. The American Express ® Gold Card automatically wins in this category due to its much lower annual fee of $250 (see rates and fees), compared to the $695 annual fee for The Platinum Card ® from. The Amex Blue Business Cash card earns 2% cash-back on all eligible purchases on up to $50,000 per calendar year, the 1% thereafter. One App - American ExpressThe Amex Platinum is one of the top cards when it comes to being treated like a VIP, but with its annual fee costing close to $700, it may make sense to consider whether another less-expensive. 2. 5%; August 1, 2025 – 5%. 5% “cash-back,” which is actually an early payment discount. Spend $5k, pay it off, rinse and repeat. *. Business Credit Cards. $250 Transaction Fees Foreign Transaction. *. Other American Express cards offer baggage insurance coverage of up to $1,250 for carry-on baggage and up to $500 for checked baggage. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible. Although the card comes with a $525. The Platinum Card ® from American Express has long been one of the top premium credit cards available. American Express offers credit cards and charge cards mostly focused on luxury travel benefits, high-end rewards, and premium customer service. Application link: Amex Gold with a 60,000-point welcome bonus. If you need to carry a balance, Amex offers a feature called Pay Over Time, with interest rates similar to a credit card. S. $295 ($375 if application is received on or after 2/1/24) New cardmember offer. The Chase Sapphire Reserve® has a welcome offer of 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. In the realm of rewards, the Cobalt Card boasts a dynamic points system,. Platinum Card Members can enjoy access to more than 1,400+ airport lounges across 140 countries and counting, including flagship locations through. Use Pay with Miles to reduce the cost of Delta. r/CreditCards. Access to Delta Sky Club Airport Lounges. Per dollar spent on flights purchased directly from airlines or American Express Travel on up to $500,000 per calendar year. Welcome bonus. 5% off the amount of any bill payment made within 10 days of your monthly due date. 20. a on purchases for 6 months. Besides the flexible net 60 terms, once in a blue moon there'll be a SUB on it. Being a Charge Card, your American Express® Platinum Card comes with no pre-set spending limit*, giving you. This card is loaded with perks: Complimentary airport lounge access (enrollment may be required)Even if you have a $5k limit, you can still spend $20k in a month. While the issuer. Explore. View All Prepaid & Gift Cards; Banking. While the Venture X may offer more earning opportunities, keep in mind that TPG values Amex Membership Rewards at 2 cents each while Capital One miles are valued at a lower 1. It earns 1 point per dollar spent on all other purchases. For example, my Amex Gold card carries an 18. If you’re looking for a hotel-specific credit card, then the Hilton Honors American Express Aspire Card is one of the best out there when it comes. See Rates & Fees Card Rewards. Pros Explained . The Scotiabank Platinum American Express card also has the lowest APR and annual fee of all the Platinum American Express cards available at 9. Learn More >. com or through the Fly Delta app; Check your first bag free on every Delta flight – savings of at least $60 on each round-trip flight, per personThe Amex Plum card be a business charge card so earns cash back. The card has the ability to earn up to 5x. S. 99% Variable. 5% currency back otherwise pay up to 60 days later less coming interest (or winning cash back). 85 cents each. Card Members must pay in full all charges not included in a Pay Over Time balance. Compare American Express Platinum vs American Express Plum Card and see which is better. The Amex. Accept Amex Cards. Most charge cards on the market now are geared toward businesses, such as The Plum Card® from American Express and the Brex Business Card. None. Looking at the annual fee, for example, the Cobalt’s annual fee of $120 (charged as $10 over twelve monthly statements) is far lower than the Platinum Card’s effective annual fee of $499 ($699, offset by an annual $200 travel credit). I opened it in 2009 when I incorporated my business. Fees Table . of the past due. Level 2: Mid-tier cards. *. So, if you have two additional users, you’ll pay a $700 annual fee, which takes it to pretty much the same level as the Amex Platinum. $0. It's a great card, but it's not the right one for everyone. 5% . The Platinum Card gives you access to more than 40 American Express Centurion lounges at airports all over the world. The Amex Blue Cash Preferred card earns bonus cash-back on transit, including tolls, buses, trains, parking, and more. Generally, Citi focuses on cash-back, no-frills service, and low fees. The Platinum Card from American Express. Delta has severely nerfed the value of their skymiles over the past years so it’s better to have the Amex platinum card and have flexibility over where your points go than to be limited to delta’s price fixed skymiles. However, some TPG readers have been targeted for even better offers: up to 125,000 points on the personal. Your Card number and expiry date can be found etched on the reverse of the Card. The Plum Card ® Issuer: American Express National Bank. Card: Welcome Offer: Annual Fee: Best For: The Business Platinum Card ® from American Express: OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months. Get up and running in just a few simple steps. If you apply for a new Card, the Agreement you receive will be the most recent version of the Agreement and reflect the pricing terms applicable to your account. Delta SkyMiles® Gold American. Rewards Rate. Not only is it a higher amount than the up-to-$200 airline fee credit that comes with the Amex Platinum, but it's also much less restrictive. THE POINTS GUY. While the Venture X may offer more earning opportunities, keep in mind that TPG values Amex Membership Rewards at 2 cents each while Capital One miles are valued at a lower 1. The Delta Reserve card opens far more lounge doors than the Delta Platinum does. $695. ”. That said, Capital One Venture X is one of the best travel rewards cards on the market right now, which makes it prestigious. The Platinum Card® from American Express. Hilton Honors American Express Aspire Card. Credit Cards. S. In the 2022 U. Retailers eligible for cash-back in this category include, but are not limited to:The annual fee for the Amex Blue Cash Preferred card is $0 intro annual fee for the first year, then $95 , while the annual fee for the Amex Platinum card is $695. American Express Gold is a better card to use abroad than Amex Platinum, because you earn double Membership Rewards points when spending in a foreign currency. 2 cents each, while Citi points are worth 1. Pay Over Time — Decide whether you want to pay eligible purchases in full each month—or pay over time with interest. YULIYA TABA/GETTY IMAGES. Before we examine the details of our featured cards, take a look at this overview of the highlights of the Delta Platinum card and the Delta Gold card: Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months. Consumer Cards (25) Small Business Cards (14) American Express®. S. 5% on balances paid before the due date. The Plum Card® from American Express overview. NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months. The variable APR on the Amex Gold can range from 15. Bottom Line: Both the Amex Platinum card and Amex Schwab Platinum card have the same rewards-earning potential for spending on either card. or . 99% p. The Amex Blue Cash Preferred card earns bonus cash-back on transit, including tolls, buses, trains, parking, and more. 2X Miles on purchases at U. OR (2) the entire new balance of the billing statement. Learn more about the benefits Card Membership can provide. View side-by-side comparison of rewards, rates, fees, and benefits at CreditDonkey. 9. Car Rental Loss and Damage Insurance. Pay your bills from one easy interface. The Blue Business® Plus Credit Card from American Express offers 2% cashback on the first $50,000 each year and 1% thereafter. That’s equal to a 4. Platinum Card members will be charged a $50 fee for each guest—or $30 for children aged two through 17. The American Express Plum card also is unique in that it rewards cardholders for paying off their balances early, rather than for making purchases. 5% cash back or pay up to 60 days later without. Reward your inbox with the TPG Daily newsletter. If you prefer talking to someone, report your claim by calling 800. *Welcome offer value is determined using TPG valuations and is not provided by or reviewed by the issuer. AMERICAN EXPRESS. $0 Annual Card Fee. Gold Card. Why is the Platinum card half plastic? I just noticed that my $695 a year Platinum card is half plastic. OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months. Plum is kind of a special card and I'm sure Amex likes to see some history. Make Payments by Phone: 800-472-9297. 07/16 used $2500 for renovations. Amex Plum Card [2023] - The Plum Card® From American Express Review for 2023Browse all Cards ( 6) American Express® Platinum Card. American Express Charge Cards include privileges that are designed to enhance every aspect of your jetsetter life, such as air miles, hotel accommodation, and shopping vouchers. Pay It allows you to use the. As for declines, unless you're a real risk, small charges should still go through to avoid embarrassment. The representative APR on purchases is 31. 99% to 24. 6% variable, including the annual fee. S. According to TPG's monthly valuations, Amex Membership Rewards points are worth 2 cents each, making this bonus worth $1,600. Source. Learn more about the benefits Card Membership can provide. The Amex Schwab Platinum card offers a statement credit of up to $200 each year based on the amount of holdings in your Schwab account. Pay It Plan It — Pay It Plan It is really 2 payment options. Saks Fifth Avenue Credit: AMEX added more value to the Platinum card by giving you free shopping money each year. But one of the most tangible perks of select American Express cards is airport lounge access. The Aeroplan Reserve cards can refer to each other. Winner: Capital One Venture X. NerdWallet's . On the downside, it charges a steep $695 annual fee that can be too much for your budget if you don’t travel enough in the year to use all the. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these. 50% cash back rewards on any balance amount paid within 10 days of the statement closing date and the ability to carry a balance for 60 days interest-free when you pay the Minimum Due by the Payment Due date. The Amex Blue Business Cash card earns 2% cash-back on all eligible purchases on up to $50,000 per calendar year, the 1% thereafter. Earn a $100 Delta Flight Credit towards future travel after you spend $10K in purchases on the Card during a calendar year ‡. online retail purchases, on up to $6,000 per year, then 1%. Unfortunately, the additional Platinum card user annual fee will skyrocket from 3 cards. In exchange for a $695 annual fee, the. This is important for American Express cardholders, given that the Platinum Card® from American Express card is currently offering 100,000 Membership Rewards points for new cardholders who spend. S. Does anyone know if this is more difficult to be approved for than the other charge cards because of the one month grace period to PIF? I - 6381417is useful for smallish businesses that want the option to either pay early and earn 1. American Express has a suite of different personal and business credit cards,. On the surface, the personal card's terms might seem better. 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the. If you do not pay for two billing periods in a row, the fee is the greater of. Delta Platinum card members will pay just $50 per person, with up to 2 guests per visit. Terms apply. Bank Business Platinum Card is built for small-business owners who need temporary, low-cost financing. Learn more about the benefits Card Membership can provide. The Plum Card from American Express is a unique business charge card with a flexible payment option. The reason why is because you can earn 2x Amex Membership Rewards points per $1 spent on everyday business purchases, up to $50,000 per calendar year. The Plum Card® from American Express is a business charge card designed for small and mid-sized business owners who need flexibility in managing their cash flow. *; MORE REWARDS: Get 4X Membership Rewards ® points on the 2 select categories where your business spent the most each month. Like, Comment, and Share my videos!🔔 SUBSCRIBE HERE 🔔 👇 Watch My Other Videos Here 👇 👇★ The Alliant Visa Signature. Annual fees. Still, the truth is that if they were made of real Platinum, the card alone would cost over $780, even more than the annual fee of $695. $2,000. 2. Supplier Diversity. Amex Business Platinum benefits. Bottom Line: While both cards have good earning potential, the Chase Sapphire Reserve card has the edge as more categories earn 3 points per dollar spent. Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible. Credit Intel – Financial Education Center. Earn 2 miles on purchases at U. The Platinum Card’s welcome bonus is: Earn 80,000. of the past due. Amex divides their cards into "families" and those families govern product change rules. So, let's look at who should — and shouldn't — hold the Amex Business Platinum. The Amex Plum card costs nothing the first year but costs $250 per year after that. American Express cards can only be downgraded to the. Ink Business Preferred ® Credit Card. You can earn 120,000 Membership Rewards points after spending $15,000 on eligible purchases within the first three months of membership, making this an. TPG's valuations peg Delta SkyMiles at 1. The American Express Business Platinum card also has rental car insurance and extended warranty, which are more common perks across American Express credit cards. FICO® Score and Insights. Next month your limit will be between $10-30k. 1. Make no mistake — the Amex Platinum card is a premium card with a premium price tag. Plus Up Benefits are excluded. There is an exception: cards such as The Platinum Card® from American Express and American Express® Gold Card don’t count toward this limit. Amex Platinum card — Ultra-premium. Amex Plum Card [2023] - Plum | Card Benefits | American Express3. Compare Americanexpress. The four different types of American Express Platinum cards come with similar travel benefits but there are a few key differences. Marriott Bonvoy Business ® American Express ® Card. ” I applied for my wife as well. By stacking this benefit with other discount options, you could access these biometric security lanes on your next. As a member of the SkyMiles loyalty program, you’ll get an additional 5x SkyMiles for Delta flights, equaling a total of 8x SkyMiles!Products & Services. The Amex Blue Business Plus card is arguably the best no-annual-fee business credit card you can have. Delta SkyMiles® Platinum Business American Express Card. S. With no need to opt-in or preselect your categories, so you. Bank Business Platinum Card is built for small-business owners who need temporary, low-cost financing. Penalty Fees . Also, this card only earns 1. And Amex's network of Centurion Lounges is among the most exclusive in Amex's Global Lounge Collection. Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of card membership. Cardholders can choose to. 3% — making this only a 0. $39 . or . 8. American Express consistently gets high marks for its customer service. On the surface, the personal card's terms might seem better. The Business Platinum card is offering 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases within the first three months of card membership. —In the case of a credit card account under an open end consumer credit plan under which a late fee or charge may be imposed due to the failure of the obligor to make payment on or. Card Members must pay in full all charges not included in a Pay Over Time balance. Most people in NZ do not put >30k through their credit card Ps the annual fee for the ANZ platinum airpoints card is still $150 ( at least according to the website), is this changing soon?Earn 2 miles per dollar at Restaurants worldwide, plus takeout and delivery in the U. $75. When you redeem Membership Rewards points for business- or first-class tickets on any airline or any fare class using the Business Gold, you'll earn a 25% rebate (up to 250,000 points back per calendar year). PERSONAL SAVINGS. Charges. With the Amex Blue Cash Everyday card, you’ll earn cash-back at U. Both card impose a 3% foreign exchange fee on transactions outside the UK. You can add an authorized user to your Amex Platinum card for $195. Just want to add to that, most credit cards minimum due is about 1%-2% of total balance, but with plan it, 24 months plan requires 4% to be paid every. The Capital One Venture X Rewards card debuted in late 2021 with excellent travel perks and an annual fee of $395 — the lowest of any card on this list. Corporate Platinum Card; Corporate Purchasing Card; Personal Card Annual Credit; PREPAID CARDS. About American Express; Investor Relations; Careers; Global Network; Contact Us; Amex Mobile App; Products & Services. Cardholders can choose to pay their bill. Centurion. There are a variety of presentations of this card, all of which are metal: classic Platinum Card®,. Amex Business Gold Card vs. The card’s introductory 0% APR lasts for 18 billing cycles and applies to both. The Platinum Card® from American Express is most definitely the latter. Earn 1 additional Membership Rewards point for every $1 you charge to your Platinum Card on eligible hotel or car rental bookings made with American Express Travel at americanexpress. *Welcome offer value is determined using TPG valuations and is not provided by or reviewed by the issuer. American Express® Gold Card: Best for foodies and earning on food and grocery purchases. 80,000 bonus points: The Platinum Card® from American Express. The annual rewards payout assumes you charge $2,580 each. Select the Card below to read the full terms and conditions for Global Assist Hotline, Premium Global Assist Hotline and Emergency Assistance related to that Card. It’s worth noting, however, that U. The Platinum Card annual fee. If your Card is not listed on this page or if you are an Additional Card Member, please call the number on the back of your. 3% Cash Back at U. Benefit: The Business Platinum Card ® from American Express: Ink Business Preferred ® Credit Card: Welcome Bonus: OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months. American Express is known to have some of the best perks with its credit cards, and the card_name is no exception. r/amex • Amex Plum No Preset Spending Limit and Personal Delta card. 1 Based on the Feb 2023 Nilson Report. The Bottom Line. Getting a free, year-long WeWork hot desk membership is easy: just open a Business Platinum Card ® from American Express. Basic Card Members will get 1 Membership Rewards ® point for each dollar charged for eligible purchases on their Platinum Card ® or an Additional Card on their Account and 4 additional points (for a total of 5 points) for each dollar charged for eligible travel purchases on any Card on the Account (“Additional Points”), minus. Penalty Fees . 07/15 - Amex annual fee billed $250. Sure, the Gold still isn’t. The personal version of the Amex Platinum offers a $100 annual Saks credit, which comes in the form of a $50 credit in the first half of the year (January through June), and a $50 credit in the second half of the year (July through December). The Gold’s annual fee is nowhere near that of the Platinum’s, which at $695 (see rates & fees) is the priciest card on offer to most Amex consumers. American Express Gold Card. Consider you have twice the time to spend less than half the amount of money for the bonus points. See the pros and cons of American Express The Plum Card vs American Express Business Platinum Delta SkyMiles based on no annual fee, sign up bonus, perks, interest rates, and more. MARTIN DIMITROV/GETTY IMAGES. New personal Amex Platinum card members can currently earn 80,000 bonus points after spending $8,000 on purchases in the first six months after opening the. That's nearly three times the. While Amex is making a few updates to its top-of-the-line cards, the real kicker is the increased annual fee for authorized users on the personal version of the Platinum card. 40 with Chase Ink Business Unlimited Card. Rates & Fees.