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American Express Business Platinum vs Ink Business Preferred

Compare Rewards, Interest Rates, Fees, and Benefits

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

Keep in mind, the American Express Business Platinum has a $595 annual fee, while the Ink Business Preferred has a $95 annual fee.

Charge Card vs Credit Card: The Business Platinum Card® from American Express is a charge card while Ink Business Preferred® Credit 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 Express

Ink Business Preferred® Credit Card

 Business Charge CardBusiness Credit Card
 

Card Interest Rates & Fees

Purchase APRN/A15.99% to 20.99% Variable based on your creditworthiness and other factors
Balance Transfers APRN/A15.99% to 20.99% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee$0
Annual Fee$595 annual fee$95 annual fee
 

Card Rewards & Benefits

Introductory Bonus OfferEarn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.New Offer! Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.
Travel RewardsTravel RewardsEarn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
1:1 point transfer to leading airline and hotel loyalty programs
Airline RewardsGet 5X Membership Rewards® points on flights on amextravel.com.1:1 point transfer to leading airline and hotel loyalty programs
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 when you book on amextravel.com. 
Hotel RewardsGet 5X Membership Rewards® points on prepaid hotels on amextravel.com.1:1 point transfer to leading airline and hotel loyalty programs
Point RewardsGet 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
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.Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Welcome Bonus Offer
  • Airline Fee Credit
  • Global Lounge Collection
  • Concierge Service
Cons:
  • $595 annual fee
Pros:
  • Earn 100,000 bonus points
  • Earn 3 points per $1 in select business categories
  • Protection benefits
  • Airline transfer partners
Cons:
  • $95 annual fee
  • No introductory APR
Bottom LineExcellent business card for frequent travelers... Read full reviewExcellent credit card for the modern small business... Read full review
 Read American Express Business Platinum ReviewRead Ink Business Preferred Review
What Others View

    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: 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 any card issuer.

    Disclaimer: The information for the The Business Platinum Card® from American Express and Ink Business Preferred® Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    American Express Business Platinum: Pricing information including interest rates, benefits and fees was obtained on July 7, 2020 from published websites and is believed to be accurate, but not guaranteed.

    Ink Business Preferred: Pricing information including interest rates, benefits and fees was obtained on March 1, 2020 from published websites and is believed to be accurate, but not guaranteed.


    Articles on The Business Platinum Card® from American Express


    Articles on Ink Business Preferred® Credit Card


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    Compare American Express Business Platinum to:

    American Express Platinum
    Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn Protection$0 Fraud LiabilityIdentity Theft Assistance
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/ASee Pay Over Time APR
    $550

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    Compare Ink Business Preferred to:

    Chase Sapphire Preferred
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    15.99% - 22.99% Variable
    $95

    Chase Sapphire Reserve
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    16.99% - 23.99% Variable
    $550

    About CreditDonkey®
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    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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