Business Platinum Card from American Express
130,000 MR points
How to Measure Your Miles & Points Earnings
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Business Platinum Card from American Express
- Earn 90,000 MR points upon spending $15,000 in the first three months
- Plus, earn 40,000 MR points upon making a purchase in months 15–17 as a cardholder
- And, earn 1.25x MR points on all purchases
- Also, receive a $200 annual travel credit
- Transfer Membership Rewards points to Aeroplan, The British Airways Club, Flying Blue, and other frequent flyer programs for premium flights
- Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
- Credits and rebates for business expenses throughout the year with Amex Offers
- Bonus MR points for referring family and friends
- Qualify for the card as a sole proprietor
- Annual fee: $799
12 Comments
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Thanks for the analysis. Works great for apples vs. apples but not all points/programs are created equal. The currencies and programs are so different- trying to compare BMO points vs TD points vs Scotia points vs Avion points etc. You have to factor transfer partners, cash-out rates, redemption restrictions, multipliers/bonus categories etc. etc.
Totally agree. The best we can do to equalize them is incorporate all of those factors into our subjective valuation of each points currency.
And we already do that a bit here. I recall Ricky used to value MR higher than its transfer partners due to the flexibility of keeping them as MR until you had a redemption ready. However, as people began transferring points immediately, he reduced the valuation to that of the highest-value transfer partner, as that flexibility no longer had any value itself if it wasn’t being used.
Hi Josh, can you please help me work out the #s on CIBC Aeroplan Infinite Privilege vs Aventura Infinite Privilege? Trying to see which is better.
In the future I’d like to make more tools for card comparisons!
For now, for Aeroplan, only plug in the portion of the welcome bonus that you plan to achieve. For example, it’s 75,000 points with $24,000 minimum spend, 45,000 points with $3,000 minimum spend, or 20,000 points with no minimum spend.
For Aventura, I’d value points at 1cpp, or higher if you’re targeting a specific redemption on the Aventura Airline Rewards Chart. Don’t forget the travel credit rebate.
Thx Josh! So many cards, hard to decide. Great article!
Great post! Points and earning measurements are my single most important consideration before using up a valuable hard pull. I have primarily used return on spend but appreciate a new method of return on fees that you discussed.
Have you noticed that opportunity cost increases in the case of cashback cards? Some cards pay annual cashback and you have to put some spend on that statement to access that benefit. If I am getting $200 cashback for spending $2000. My rate of return is essentially 200/2200*100=9.1% and not 10% as advertised
Thank you! Glad to hear I’ve piqued your interest with a new way to look at it.
Some banks do let you apply cashback rewards to a zero or credit balance, and issue you a cheque/etransfer/deposit for a credit balance when you close the card. But this just highlights my point that Return on Spend isn’t as clear-cut or useful as it may seem.
You should really be looking at *marginal* returns (on spend or fees). That is, *compared to my next best option* what does this card get me?
For example, if you have a 2% card with a $100 annual fee and a 1% card with no annual fee, that 2% card is only worth an extra 1%. Hence you’d need to spend $10k to break even on it, not $5k.
Absolutely. Stay tuned for a future post on marginal returns and break-even points!
Ya break even point a good one. Especially for cashback cards. For example Cobalt vs Scotia momentum IV. Which one you got?
This concept deserves a video. A calculated way to describe “value” rather than a general rank.
I agree – it’s a bit tricky, so it helps to communicate it in different ways. I’ll see if Ricky can wrap his head around it 🤪