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The Business Platinum® Card from American Express vs American Express® Blue Business Cash Card

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Business Platinum is an excellent business charge card for frequent travelers. How does it compare to Blue Business Cash from American Express? Read our comparison chart below.

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

 The Business Platinum Card from American ExpressAmerican Express Blue Business Cash Card
 Apply NowApply Now
 

The Business Platinum® Card from American Express

American Express® Blue Business Cash Card

 Business Charge CardBusiness Credit Card
 
Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline RewardsHotel Rewards
Cash Back Rewards$0 Fraud Liability
 
  • Welcome Offer: Earn up to 100,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 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.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply
  • See Rates & Fees
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
 

Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR on purchases for 12 months
Introductory APR for Balance TransfersN/A0% introductory APR on balance transfers for 12 months
Purchase APRN/A14.74% to 20.74% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A14.74% to 20.74% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee2.7% of each transaction after conversion to US dollars.
Annual Fee$595 annual feeNo annual fee
 

Card Rewards & Benefits

Introductory Bonus OfferWelcome Offer: Earn up to 100,000 Membership Rewards® points.
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership.
 
Cash Back Rewards Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
Travel RewardsTravel Rewards 
Airline RewardsGet 5X Membership Rewards® points on flights on amextravel.com. 
Bonus Airline Rewards35% 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. 
Hotel RewardsGet 5X Membership Rewards® points on prepaid hotels on amextravel.com. 
Point RewardsGet 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 StatusGet 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 StatusEnroll for complimentary Marriott Bonvoy Gold Status.
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.
 
Airline Transfer PartnersAirline 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

 The Business Platinum Card from American ExpressAmerican Express Blue Business Cash Card
Pros & ConsPros:
  • Welcome Bonus Offer
  • Airline Fee Credit
  • Global Lounge Collection
  • Concierge Service
Cons:
  • $595 annual fee
Pros:
  • 2% cash back on the first $50,000 spent each calendar year, then 1%
  • Intro APR
  • No annual fee
Cons:
  • Not Visa/Mastercard
Bottom LineExcellent business charge card for frequent travelers... Read full reviewGood cash back card for small business owners... Read full review
 Apply NowApply Now
What Others View

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.


Articles on The Business Platinum® Card from American Express


Articles on American Express® Blue Business Cash Card


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 American Express Business Platinum to:

American Express Platinum

The Platinum Card® from American Express

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

American Express® Business Gold Card

Introductory Bonus OfferBonus Airline RewardsPoint RewardsNo Expiration on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
15.74% - 23.74% Variable
Annual Fee
$295
American Express Plum Card

The Plum Card® from American Express

No Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase Protection
Annual Fee
$0 introductory annual fee for the first year, then $250

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Compare Blue Business Cash to:

Blue Business Plus
Point Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
14.74% - 20.74% Variable
No annual fee


About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy 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.

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*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.