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Compare platinum business cards

You’ll typically pay high annual fees for a platinum business card, but they often have premium benefits.

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Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Welcome Offer
Business Platinum Card from American Express
Earn a Welcome Bonus of 80,000 Membership Rewards points when you spend $6,000 within the first 3 months. That’s $800 in statement credits that can be reinvested in your business.

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If you want premium perks like complimentary airport lounge access, concierge services and access to the most complex business tools, a platinum business card might be right for you. But beware: this type of product typically comes with a high annual fee to offset the pricey features.

How to compare platinum business cards

There’s no such thing as a perfect card. Rather, there’s a card that works well specifically for your business. While comparing platinum business cards, consider these factors:

  • Annual fee. Considering how much you’ll pay for a credit card is a good starting point. A platinum card may charge as high as $500 a year, however this price can be offset by the many elusive features offered – but you’ll have to use the features so the card is actually worth the fee.
  • Rewards. Consider the value of any rewards points, cash back or miles against the annual fee of the card. If your business benefits from the card’s rewards and can make the annual fee worth it, it could be a card to consider.
  • Benefits. Even if a platinum business card won’t bring you many rewards, you might still get it for its additional benefits. Premium benefits might include a free nights stay at a hotel, free annual travel credits, airport lounge access, comprehensive travel insurance coverage and concierge services.
  • Signup offer. Platinum business credit cards often come with lucrative signup bonuses or welcome offers. Before applying for one, consider whether you can reach the signup bonus minimum spend requirement. You get one chance to fulfill the requirement — if you don’t meet it by the deadline, you won’t get another shot.
  • Business tools. Since it’s a business credit card after all, you’ll want to make sure the card offers all the business features and tools that you’re looking for. Features may include spend controls, expense tools and additional credit cards for employees.

Bottom line

Consider a platinum business card if you want top-of-the-line benefits for your small business. It won’t be cheap, but you could enjoy perks like travel credits, hotel stays or accelerated rewards that you won’t find anywhere else.

If you’re not sure if a platinum business credit card is right for you, compare other small business credit cards to find the right one for your needs and spending habits.

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