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Compare platinum business cards

You’ll typically pay for these high-tiered cards, but they often have premium benefits.

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If you want premium perks, a platinum business card might be right for you. This type of product typically comes with a high annual fee but expansive features.

What are platinum business credit cards?

A platinum card usually refers to any credit card that offers a variety of valuable perks and benefits, though often at the cost of a high annual fee. These are sometimes referred to as luxury business cards as well. Some common platinum business credit cards include:

  • The Business Platinum Card® from American Express
  • The Chase Ink Business Preferred® Credit Card
  • The Marriott Bonvoy Business™ American Express® Card
  • The CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Compare platinum business credit cards

Select your credit score below and click “Show Cards” for a side-by-side comparison of several platinum business cards, including a look at their annual fees and APR.

Name Product Filter values Rewards Purchase APR Annual fee
The Business Platinum Card® from American Express
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
N/A
$595
Earn 75,000 points after spending $15,000 on purchases in the first 3 months from account opening. Rates & fees
Delta SkyMiles® Platinum Business American Express Card
3x miles on direct Delta and hotel purchases, 1.5x miles on single purchases over $5,000 up to 50,000 miles per year, and 1x miles on all other purchases
15.74% to 24.74% variable
$250
Earn 45,000 miles and 5,000 MQMs after spending $3,000 in the first 3 months, plus earn $100 after your first Delta purchase in the same timeline. Rates & fees
Wells Fargo Business Platinum Credit Card
Choose 1.5% cash back or 1x points on all purchases
0% intro for the first 9 months (then 11.24% to 21.24% variable)
$0
Get a one-time $500 cash back bonus when you enroll in the cash back rewards program and spend $3,000 in the first 3 months
Bank of America® Platinum Plus® Mastercard® Business card
N/A
0% intro for the first 7 billing cycles (then 10.24% to 21.24% variable)
$0
$300 statement credit bonus after making at least $3,000 in purchases in the first 90 days of your account opening.
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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. When comparing, consider how much you’d like to pay for a card. A platinum card can come at a high price. For example, The Business Platinum Card® from American Express comes with a $595 annual fee (see rates & fees).
  • Rewards. Think about how the rewards weigh against the annual fee. A card could be worth it if your business will benefit from the rewards enough to make up for the annual fee.
  • Benefits. Premium benefits might include special hotel perks, fee credits and airport lounge access. Even if a platinum business card won’t afford you many rewards, you might still get it for its benefits.
  • Signup offer. Platinum business credit cards often come with lucrative signup bonuses or welcome offers. Before applying for one, consider whether you can reach its signup bonus spending requirement. You get one chance to fulfill the requirement — if you don’t meet it by the deadline, you won’t get another shot.

Pros and Cons of platinum business cards

Whether or not you stand to benefit from a platinum business credit card depends on your specific spending and business needs. Here’s a quick breakdown of the pros and cons:

Pros

  • Often comes with big signup bonuses
  • Strong rewards earning rates
  • Large number of perks and features suited to business and travel
  • High credit limits

Cons

  • Can come with a high annual fee and APR
  • You’ll need great credit and high income to qualify
  • Expensive if you don’t take advantage of the features

Bottom line

Consider a platinum business card if you want top-of-the-line benefits. It won’t be cheap, but you could enjoy premium perks like travel benefits or cash back.

If you’re not sure if a platinum business credit card is right for you, you might want to consider a luxury business card or compare other business credit cards.

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