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