Points & Miles — PenFed Pathfinder vs Amex Business Plat

Earn rates by spend category

PenFed Pathfinder

3× Travel (4x for Honors Advantage members) ✓Verified by source

1.5× Everything else ✓Verified by source

Amex Business Plat

5× Flights & prepaid hotels via Amex Travel ≈Inferred by source

1.5× Purchases of $5,000+ ≈Inferred by source

1× Everything else ≈Inferred by source

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Vendor-neutral by design — we never take issuer money for placement, and every fact carries a source and a freshness date. Perks and lounge access often carry conditions (enrollment, minimum spend, flight or status requirements); always confirm current terms with the issuer. Data last verified Aug 3, 2026 · see what's current.

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PenFed Pathfinder vs Amex Business Plat
Points & Miles