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Ink Business Preferred℠ Credit Card vs The Business Platinum® Card from American Express
Compare Rewards, Interest Rates, Fees, and Benefits
Chase and American Express are CreditDonkey partners. 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
Ink Business Preferred is an excellent credit card for the modern small business. How does it compare to American Express Business Platinum, a travel charge card? Read our comparison chart below.
Keep in mind, the Ink Business Preferred has a
Charge Card vs Credit Card: Ink Business Preferred℠ Credit 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.
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Ink Business Preferred℠ Credit Card | The Business Platinum® Card from American Express | |
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| Business Credit Card | Business Charge Card | |
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Card Interest Rates & Fees | ||
| Purchase APR | 17.99% to 22.99% Variable based on your creditworthiness and other factors | N/A |
| Balance Transfers APR | 17.99% to 22.99% Variable based on your creditworthiness and other factors | N/A |
| Foreign Transaction Fee | $0 | No foreign transaction fee |
| Annual Fee | ||
Card Rewards & Benefits | ||
| Introductory Bonus Reward Points | Introductory Bonus Reward Points: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards® | 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 qualifying purchases within your first 3 months of Card Membership.† |
| Travel Rewards | Travel Rewards: 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. 1:1 point transfer to leading airline and hotel loyalty programs | Travel Rewards |
| Airline Rewards | Airline Rewards: 1:1 point transfer to leading airline and hotel loyalty programs | 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: 1:1 point transfer to leading airline and hotel loyalty programs | Hotel Rewards: Get 5X Membership Rewards® points on prepaid hotels on amextravel.com. |
| Point Rewards | Point Rewards: 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. | 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. | |
| Airline Transfer Partners | Airline Transfer Partners: Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, and Aer Lingus. | 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 details | Go to issuer's official application, terms, and details | |
CreditDonkey® Card Reviews | ||
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| Pros & Cons | Pros:
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| Bottom Line | Excellent credit card for the modern small business... | Excellent business charge card for frequent travelers... |
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| 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: 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. | ||
Which is Better: Ink Business Preferred or American Express Business Platinum?
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 Business Gold Card.
Articles on Ink Business Preferred℠ Credit Card
Chase Ink Preferred
Think it is time for a new business credit card? Read this review to see why the Ink Business Preferred and its $95 annual fee is worth considering.
Chase Ink Preferred Benefits
Chase Ink Business Preferred has benefits you may not know about. Don't waste these valuable perks. Read this guide to understand your benefits and get the most value.
Chase Ink Preferred Referral
You can earn up to 100,000 bonus points per year by referring Chase Ink Business Preferred to business owners. Read on to learn how it works.
Chase Ink Preferred Credit Score
Chase Ink Business Preferred usually requires an excellent credit score (720+). But this is not the only deciding factor. Find out how to improve your odds.
Articles on The Business Platinum® Card from American Express
AMEX Business Platinum Review
The Business Platinum® Card from American Express offers travel-friendly benefits – including Global Lounge Collection, Airline Fee Credit, and Platinum Concierge Service. But with so many cards boasting no annual fee, why would anyone want to pay $450 to use this card each year?
Comments
Steve from Indiana
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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Worth $95? Starwood Business Credit Card Review
Do you or your employees travel for work? With over 6,700 hotels and resorts, point transfer to select frequent flyer programs, and point bonus for those transfers, the Starwood Preferred Guest® Business Credit Card from American Express is one of our favorite travel rewards cards on CreditDonkey for business owners. Read on to see what sets this card apart from the competition.
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