American Express Business Platinum vs Ink Business Cash® Credit Card

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Business Platinum is a business and travel credit card. How does it compare to Ink Business Cash from Chase, a cash back card? Read our comparison chart below.

Keep in mind, the American Express Business Platinum has a $695 annual fee, while the Ink Business Cash has a $0 annual fee.

	The Business Platinum Card® from American Express	Ink Business Cash® Credit Card

	Credit Card Interest Rates & Fees
Introductory APR for Purchases	N/A	0% introductory APR for 12 months
Purchase APR	18.49% to 27.49% Variable based on your creditworthiness and other factors	17.74% to 25.74% Variable based on your creditworthiness and other factors
Balance Transfers APR	N/A	17.74% to 25.74% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	No foreign transaction fee	3% of each transaction in U.S. dollars
Annual Fee	$695 annual fee	$0 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back		Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
Introductory Bonus Offer	Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Cash Back Rewards		Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.
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 you book on amextravel.com.
Hotel Rewards	Get 5X Membership Rewards® points on prepaid hotels on AmexTravel.com.
Point Rewards	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 (that's an extra half point per dollar) on each eligible purchase 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Airline Status	$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card. 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.
Gas Rewards		Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Dining Rewards		Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
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.
	CreditDonkey® Credit Card Reviews
Pros & Cons		Pros: Earn bonus cash back Gas and dining rewards Cons: 2% cash back on gas and dining only on first $25,000 Foreign transaction fee
Bottom Line		Excellent cash back rewards card for small business... Read full review

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 December 19, 2024 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 American Express Business Platinum or Ink Business Preferred.

Articles on Ink Business Cash® Credit Card

Ink Business Cash Review

Read this in-depth Ink Business Cash® review before you apply. With no annual fee, small business owners can earn cash rewards fast, but is it right for you?

Comments

Steve from New Jersey
on October 2016 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!

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