Originally Posted by
Diplomatico
....AMEX doesn't pro-rate fee refunds.....
That's the policy, but in practice you may receive a refund if you have other card accounts:
Bye Bye pro-rated Annual Fee refunds (USA), September 2016, exceptions reported.
A few more differences:
- Personal cards appear on your credit report, Business cards do not.
- Personal Platinum earns 5 points per dollar on airfare, Business cards do not (unless booked through American Express Travel)
- Business Platinum earns 1.5 points per dollar on individual transactions $5,000+, personal cards do not.
- Additional Platinum cards on a personal account cost $175/year/3 cards. On a Business account the cost is $300/year/1 card.