Annual fee $895. 5X flights and prepaid hotels via Amex Travel; 2X eligible key categories or purchases of $5K+ up to cap; 1X other.
See if it fits my walletThe 3 reviewed business cards that share the most card types and features with the Business Platinum.
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Very high fee; credits and higher earn require specific channels
Check current offer This link goes to American Express’s site. Dean earns nothing if you apply.Annual fee: $795, against $895 for the Business Platinum. Best fit: Business owners who travel heavily and use premium credits. Dean’s catalog lists it as: Premium business travel, Transferable points, Lounge.
Read Dean’s reviewAnnual fee: $375, against $895 for the Business Platinum. Best fit: Businesses with concentrated ad, software, dining, gas, transit, or wireless spend. Dean’s catalog lists it as: Business, Transferable points.
Read Dean’s reviewAnnual fee: $0, against $895 for the Business Platinum. Best fit: Small businesses wanting simple transferable points. Dean’s catalog lists it as: Business, Transferable points.
Read Dean’s review| Card | Annual fee | Rewards and benefit summary | Best fit | Main drawback | Source |
|---|---|---|---|---|---|
| Business PlatinumAmerican Express | $895 | 5X flights and prepaid hotels via Amex Travel; 2X eligible key categories or purchases of $5K+ up to cap; 1X otherGlobal Lounge Collection; 35% Pay with Points airline rebate; business and travel credits | Businesses with substantial travel and large purchases | Very high fee; credits and higher earn require specific channels | American Express Checked 2026-07-22 |
| Sapphire Reserve for BusinessChase | $795 | Premium Chase travel and direct travel categories under current terms$300 travel credit; Sapphire and Priority Pass lounge access for primary cardmember; business and partner credits | Business owners who travel heavily and use premium credits | Very high fee; employee lounge access differs from primary cardholder | Chase Checked 2026-07-22 |
| Business GoldAmerican Express | $375 | 4X on the 2 eligible categories with highest spend each billing cycle up to annual cap; 3X Amex Travel flights and prepaid hotelsBusiness credits and expense tools; employee cards | Businesses with concentrated ad, software, dining, gas, transit, or wireless spend | High fee and category cap | American Express Checked 2026-07-22 |
| Blue Business PlusAmerican Express | $0 | 2X Membership Rewards on eligible purchases up to annual cap, then 1XEmployee cards; expense management; expanded buying power under terms | Small businesses wanting simple transferable points | 2X cap; foreign transaction fee | American Express Checked 2026-07-22 |
5X flights and prepaid hotels via Amex Travel; 2X eligible key categories or purchases of $5K+ up to cap; 1X other.
Global Lounge Collection; 35% Pay with Points airline rebate; business and travel credits.
Dean treats these as the reasons to hold the Business Platinum. If you would not use them, the card is worth less to you than its marketing says.
As high as 300,000 Membership Rewards points after $20,000 in purchases in the first 3 months. Amex shows your exact amount before approval, and it may be less.
Dean read this offer on American Express’s own page on October 24, 2026. A welcome offer is paid once. Judge the card on what it does for you in year 2.
Dean lists the Business Platinum for excellent credit. It is a business card on the Amex network. Availability: public national.
A listed credit range is a starting point, not an approval promise. American Express decides approval, your credit limit, and your rate when you apply.
Very high fee; credits and higher earn require specific channels.
Annual fee: $895. Dean checked the fee and terms against American Express on July 22, 2026. Terms can change after that date, so read the live offer before you apply.
Bank points can transfer to airline or hotel partners and can also be redeemed through a travel portal. Flexible travel partners, outsized award value, pooling across a card family.
Best for: Travelers willing to learn loyalty programs. Watch for: Poor redemptions, award availability, and transfer risk can erase value.
Miles or points offset travel purchases at a defined rate. Simple travel redemptions with fewer blackout concerns.
Best for: Travelers who value ease over award optimization. Watch for: Travel-only redemptions can be less flexible than cash.
High-fee cards bundle lounge access, travel credits, status, and protections. Airport lounges, hotel programs, travel credits, concierge, insurance.
Best for: Frequent travelers who naturally use the credits. Watch for: High fees and fragmented credits create breakage.
Transferred debt receives a temporary low or 0% APR. Can reduce interest while paying down existing card debt.
Best for: Borrowers who can repay within the promotional period. Watch for: Transfer fees, deadlines, excluded same-issuer debt, and post-offer APR matter.
Rewards common business expenses and supports employee cards. Cash rewards, expense separation, employee controls, accounting exports.
Best for: Sole proprietors and small businesses wanting simple rewards. Watch for: Consumer protections can be weaker and issuer eligibility rules differ.
Business card with points, airline, hotel, or premium travel benefits. Employee cards, travel protections, lounges, category rewards, large-spend bonuses.
Best for: Businesses with recurring travel or advertising, shipping, and software spend. Watch for: High fees and portal requirements must match real company spend.
Same rate on most eligible purchases.
Conditions to check: Excluded cash-like transactions and redemption value. Best for simplicity and uncategorized spend.
Higher earn rate for named merchant categories.
Conditions to check: Merchant category code, caps, activation, and geographic limits. Verify how the merchant codes, not how it describes itself.
Moves bank points to airline or hotel loyalty programs.
Conditions to check: Transfer ratios, minimums, availability, expiration, and irreversible transfers. Transfer only after confirming an award.
Dean links directly to the issuer. Card terms and eligibility can change after the review date.