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The Business Platinum Card® from American Express vs. Ink Business Preferred® Credit Card

Two excellent business credit cards with travel rewards.

Updated

Fact checked
The Business Platinum Card® from American Express is a premium travel option with a $595 annual fee, a generous welcome offer and 5x points on flights and hotels booked via Amex travel. On the other hand, the Ink Business Preferred® Credit Card is a mid-tier card with a $95 annual fee, with a slightly higher welcome offer than the Amex card and with a 3x points on travel and select business purchases up to $150,000 annually.

Compare all other perks and features in the table below.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Rates & Fees

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.4 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Luxury travel benefits for your business
  • Strong rewards on business spending categories
Welcome offer
Welcome offer

75,000 points after spending $15,000 in the first 3 months

100,000 points after spending $15,000 in the first 3 months

Rewards
Rewards

5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases

3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases

Purchase APR
Purchase APR

15.99% to 20.99% variable

Annual fee
Annual fee $595 $95
Balance transfer APR
Balance transfer APR 15.99% to 20.99% variable
Cash advance
Cash advance N/A

APR: 24.99% variable

Fee: $15 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 $39
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period None 20 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Other Credit
Learn more
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Summary of card features

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

  • Welcome offer. Spend $15,000 on purchases in your first 3 months of card membership and get 75,000 bonus points.
  • Membership rewards. Get 5x points on prepaid hotels and flights through Amex Travel and 1x points on everything else you buy. For purchases of 5,000 and more, you’ll get 1.5x points — up to 1 million points per year.
  • Global Lounge Collection. Get access to more than 1,200 airport lounges worldwide, including the Centurion Lounge, International American Express lounges and Delta Sky Club when flying Delta. To get access to Priority Pass Select, Airspace and Escape lounges, you’ll need to enroll first.

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

  • Earn 3x points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year.
  • Earn unlimited 1x points on all other purchases

Compare business credit cards

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards&reg
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$750 bonus cash back after you spend $7,500 on purchases in the first 3 months after account opening.
United℠ Business Card
2x miles on United, restaurants, gas stations, office supply stores, local transit and commuting, and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 75,000 miles once after spending $5,000 in your first 3 months.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
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