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Ink Business Preferred® Credit Card vs American Express Business Platinum

Compare Rewards, Interest Rates, Fees, and Benefits

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Ink Business Preferred is an excellent credit card for the modern small business. How does it compare to American Express Business Platinum, a travel card? Read our comparison chart below.

Keep in mind, the Ink Business Preferred has a $95 annual fee, while the American Express Business Platinum has a $695 annual fee.

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Ink Business Preferred® Credit Card

The Business Platinum Card® from American Express

 

Credit Card Interest Rates & Fees

Purchase APR18.24% to 23.24% Variable based on your creditworthiness and other factors17.24% to 25.24% Variable based on your creditworthiness and other factors
Balance Transfers APR18.24% to 23.24% Variable based on your creditworthiness and other factorsN/A
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$95 annual fee$695 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus OfferEarn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Travel 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.
1:1 point transfer to leading airline and hotel loyalty programs
Travel Rewards
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programsGet 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 you book on amextravel.com.
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programsGet 5X Membership Rewards® points on prepaid hotels on amextravel.com.
Point 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.Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Airline Status Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
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 PartnersChase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus.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.
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • 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 credit card for the modern small business... Read full review
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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: 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 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 September 22, 2022 from published websites and is believed to be accurate, but not guaranteed.

Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Ink Business Preferred or Ink Business Cash.


Articles on Ink Business Preferred® Credit Card

Ink Business Preferred Review

Looking for a new business credit card? Ink Business Preferred offers more than a sign up bonus. Read this review to see if the benefits are worth it.

Chase Ink Preferred Credit Score

Chase Ink Business Preferred usually requires a high credit score (720+). But this is not the only deciding factor. Find out how to improve your odds.

Comments

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Compare Ink Business Preferred to:

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
18.24% - 25.24% Variable
Annual Fee
$95
Ink Business Cash

Ink Business Cash® Credit Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 12 months
N/A
15.49% - 21.49% Variable
Annual Fee
$0
Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
19.24% - 26.24% Variable
Annual Fee
$550

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Compare American Express Business Platinum to:

American Express Platinum
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/ASee Pay Over Time APR
$695

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 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.

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