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Compare platinum business cards

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

To find the right Platinum credit card for your business, consider the rewards and the annual fee. In the table below, select your credit score and choose "Show Cards" for a comparison of several platinum business cards, including a look at their annual fees and APR.

Name Product 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 1.5x points on all other purchases
Earn 120,000 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
Earn 90,000 miles and 5,000 MQMs after spending $3,000 in the first 3 months, plus $100 statement credit after making a Delta purchase in the same timeframe. 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)
Get a one-time $300 cash back bonus when you enroll in the cash back rewards program and spend $3,000 in the first 3 months

Compare up to 4 providers

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. Because of that, these are sometimes referred to as luxury business cards as well.

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:


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


  • 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

Examples of Platinum Business Cards

Platinum cards are often considered as premium or luxury business credit cards. But sometimes, a platinum card can mean a simple card with no annual fee.

Some common platinum luxury business credit cards include:

  • The Business Platinum Card® from American Express
  • Delta SkyMiles® Platinum Business American Express Card
  • The Marriott Bonvoy Business™ American Express® Card
  • The CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

And here are some of the not-so-luxury business cards that bear the platinum name:

  • Wells Fargo Business Platinum Credit Card
  • Bank of America® Platinum Plus® Mastercard® Business card
  • U.S. Bank Business Platinum

How to choose 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:

  • Are you willing to pay a high 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 (Terms apply, see rates & fees).
  • Do you want to earn rewards on your purchases? 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.
  • What kind of additional benefits your business needs? 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.
  • Does a signup bonus matter for your finances? 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.

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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