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Blue Cash Everyday vs American Express Business Platinum

Compare Rewards, Interest Rates, Fees, and Benefits

American Express is a CreditDonkey partner. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

Blue Cash Everyday is a great cash back card for cardholders who pay in full. How does it compare to American Express Business Platinum, a business and travel charge card? Read our comparison chart below.

Keep in mind, the Blue Cash Everyday has a $0 annual fee, while the American Express Business Platinum has a $450 annual fee.

Charge Card vs Credit Card: Blue Cash Everyday® Card from American Express is a credit card for consumer while The Business Platinum® Card from American Express OPEN is a charge card for business. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 Blue Cash Everyday Card from American ExpressThe Business Platinum Card from American Express OPEN
 Apply NowApply Now
 

Blue Cash Everyday® Card from American Express

The Business Platinum® Card from American Express OPEN

 Personal Credit CardBusiness Charge Card
 
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental Insurance
Introductory Bonus Reward PointsTravel RewardsAirline RewardsBonus Airline RewardsHotel Rewards
 
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
  • Terms Apply
  • See Rates & Fees
 

Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR on Purchases for 15 monthsN/A
Introductory APR for Balance Transfers0% introductory APR on Balance Transfers for 15 monthsN/A
Purchase APR14.24% to 25.24% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR14.24% to 25.24% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.No foreign transaction fee
Annual Fee$0 annual fee$450 annual fee
 

Card Rewards & Benefits

Introductory Bonus Cash BackIntroductory Bonus Cash Back: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. 
Introductory Bonus Reward Points Introductory Bonus Reward Points: Welcome Offer: Earn up to 75,000 Membership Rewards® points.
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on eligible purchases within your first 3 months of Card Membership.
Cash Back RewardsCash Back Rewards: 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. 
Travel Rewards Travel Rewards
Airline Rewards Airline Rewards: Get 5X Membership Rewards® points on flights on amextravel.com.
Bonus Airline Rewards Bonus Airline Rewards: 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
Hotel Rewards Hotel Rewards: Get 5X Membership Rewards® points on prepaid hotels on amextravel.com.
Point Rewards Point Rewards: Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
Airline Status Airline Status: Get up to $200 in statement credits per calendar year on a selected airline for incidentals such as baggage fees, lounge day passes, and more.
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Hotel Status Hotel Status: Enroll for complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest).
Enroll for complimentary Hilton Honors Gold Status.

Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property.
Gas RewardsGas Rewards: 2% cash back at U.S. gas stations. 
Grocery RewardsGrocery Rewards: 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 
Discount Discount: The OPEN Savings benefit is built into Business Cards from American Express OPEN and provides either a 5% discount or 2 additional Membership Rewards® points for each eligible dollar spent at OPEN Savings merchants. Terms and limitations apply.
Airline Transfer Partners Airline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 Blue Cash Everyday Card from American ExpressThe Business Platinum Card from American Express OPEN
Pros & ConsPros:
  • Bonus cash back
  • Intro APR
  • No annual fee
Cons:
  • Not a Visa/MasterCard
  • Foreign transaction fee
Pros:
  • Welcome Bonus Offer
  • Airline Fee Credit
  • Global Lounge Collection
  • Concierge Service
Cons:
  • $450 annual fee
Bottom LineGreat cash back card for cardholders who pay in full... Read full reviewExcellent business charge card for frequent travelers... Read full review
 Apply NowApply Now

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express.


Explore Blue Cash Everyday® Card from American Express In-Depth


Explore The Business Platinum® Card from American Express OPEN In-Depth


Comments

  • Steve from Indiana
    on October 22, 2016 9:06 AM said about American Express Business Platinum:

    Hands down American Express if you really use it a lot!
    They keep on making it much better!

    I was not a big fan before because I didn't use it much!
    Once you start really using it in all ways possible it works even harder and better!
    I love it!

Comments may be filtered for language. CreditDonkey makes no guarantee of comments' factual accuracy. These responses are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Visitors may report inappropriate content by clicking the Contact Us link.


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Compare Blue Cash Everyday to:

Blue Cash Preferred

Blue Cash Preferred® Card from American Express

Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 12 months
0% on Balance Transfers for 12 months
14.24% - 25.24% Variable
Annual Fee
$95
Amex EveryDay

The Amex EveryDay® Credit Card from American Express

Introductory Bonus Reward PointsBonus Reward PointsPoint RewardsGrocery Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 12 months
0% on Balance Transfers for 12 months
14.24% - 24.24% Variable
Annual Fee
$0
Premier Rewards Gold Card

Premier Rewards Gold Card from American Express

Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas Rewards
Annual Fee
Introductory annual fee of $0 for the first year, then $195

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Compare American Express Business Platinum to:

American Express Platinum

The Platinum Card® from American Express

Introductory Bonus Reward PointsTravel RewardsAirline RewardsHotel Rewards
Annual Fee
$550
Business Gold Rewards Card

The Business Gold Rewards Card from American Express OPEN

Introductory Bonus Reward PointsPoint RewardsNo Expiration on RewardsNo Pre-Set Spending Limit
Annual Fee
$0 introductory annual fee for the first year, then $175
American Express Plum Card

The Plum Card® from American Express OPEN

No Pre-Set Spending LimitDiscountCar Rental InsuranceExtended Warranty
Annual Fee
$0 introductory annual fee for the first year, then $250
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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.