- Centurion Member
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- Joined: Mon Jan 02, 2012 1:21 am
- Location: Denver
kyoko wrote:Is there any specific advantage from one card to the other? Our current situation: we have 2 Amex cards, one for business and one for personal.
For business we already have the American Express Business Platinum. For our personal we have Blue Cash (we already know if we upgrade to the Preferred, we can get more cash back but we're thinking of changing it)
What we are thinking right now is to change our Blue Cash to the Platinum (personal) but, if it is the exact same perks as the "business platinum" we might not try to apply for it.
So to sum up:
1. Are the perks the same between the personal and business versions?
2. Are there things we should know about?
If your business will authorize and pay the charges for anything personal then you should just use your business card. If you are the owner of the business it doesn't really matter, except if you want to write things off your taxes. There are times that things need to be paid for by the business for tax purposes and then there are times it doesn't matter. If you bought your wife a diamond necklace on your work card, would your boss be okay with that? Maybe, maybe not. If you paid for 10 sales people for an all expense paid vacation on your personal charge card would your wife be okay with it? Maybe, but probably not.
If you can afford/justify 2 platinum charge cards then by all means go for it. (If you are a business owner this can still be a write off). The only difference with business is you get access to their "business offices" at over 1000 locations worldwide. Not really that nice of a perk. The nice thing with having 2 cards, is you can use 2 different airlines for your incidentals.
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