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

Compare Rewards, Interest Rates, Fees, and Benefits

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Blue Business Cash is a good cash back card for small business owners. How does it compare to American Express Business Platinum, a travel charge card? Read our comparison chart below.

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

 American Express Blue Business Cash CardThe Business Platinum Card from American Express
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American Express® Blue Business Cash Card

The Business Platinum® Card from American Express

 Business Credit CardBusiness Charge Card
 
Cash Back Rewards$0 Fraud Liability
Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline RewardsHotel 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.
  • 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
  • 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 made on your Business Platinum Card® 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 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.
  • 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 when flight is booked on amextravel.com.
  • 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
 

Card Interest Rates & Fees

Introductory APR for Purchases0% introductory APR on purchases for 12 monthsN/A
Introductory APR for Balance Transfers0% introductory APR on balance transfers for 12 monthsN/A
Purchase APR14.74% to 20.74% Variable based on your creditworthiness and other factorsN/A
Balance Transfers APR14.74% to 20.74% 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 FeeNo annual fee$595 annual fee
 

Card Rewards & Benefits

Introductory Bonus Offer 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 made on your Business Platinum Card® within your first 3 months of Card Membership.†
Cash Back RewardsEarn 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 Rewards Travel Rewards
Airline Rewards Get 5X Membership Rewards® points on flights on amextravel.com.
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 when flight is booked on amextravel.com.
Hotel Rewards Get 5X Membership Rewards® points on prepaid hotels on amextravel.com.
Point Rewards Get 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.
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 Enroll 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 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

 American Express Blue Business Cash CardThe Business Platinum Card from American Express
Pros & ConsPros:
  • 2% cash back on the first $50,000 spent each calendar year, then 1%
  • Intro APR
  • No annual fee
Cons:
  • Not Visa/Mastercard
Pros:
  • Welcome Bonus Offer
  • Airline Fee Credit
  • Global Lounge Collection
  • Concierge Service
Cons:
  • $595 annual fee
Bottom LineGood cash back card for small business owners... Read full reviewExcellent business card for frequent travelers... 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 American Express® Blue Business Cash Card


Articles on The Business Platinum® Card from American Express


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You Might Also Like


Compare Blue Business Cash to:

Blue Business Plus
Point Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 12 months from date of account opening
0% for 12 months
14.74% - 20.74% Variable
No annual fee

Compare American Express Business Platinum to:

American Express Platinum

The Platinum Card® from American Express

Introductory Bonus OfferTravel RewardsAirline RewardsHotel Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/AN/A
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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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.

†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.