Head-to-head · 🇺🇸 United States
Amex Business Platinum vs Discover It Miles
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Premium
American Express
Amex Business Platinum
AMERICAN
EXPRESS
EXPRESS
Wins 2 of 10
US
Discover
Discover It Miles
Discover
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Amex Business Platinum | Discover It Miles |
|---|---|---|
| Annual fee | · $695 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 1.5% (general) |
| Base reward rate | = 1.5% | = 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 150,000 Membership Rewards points after $20,000 spend in 3 months | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 670 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Amex Business Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 1.5x on purchases ≥$5,000 (uncapped)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
FAQ
›Amex Business Platinum vs Discover It Miles: which is better?
It's a true tie — pick the one whose boost categories match your spend. Amex Business Platinum wins on 2 criteria, Discover It Miles on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Business Platinum for its best categories, Discover It Miles for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months. Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).