AmEx Business Platinum and Chase Ink preferred


American Express Business Platinum Card® and Ink Business Preferred® Credit Card Both Chase companies serve business travelers. The key difference is what it is:

  • American Express Business Platinum Card® There’s a simple rewards program that’s minuscule compared to other options, but you’ll be forced to find another business card with such a wide range of travel benefits. Worth a look for heavy travelers willing to pay for convenience.

  • this Ink Business Preferred® Credit Card Offers more generous rewards and a solid incentive to redeem those rewards for travel, but its travel perks are fairly utilitarian. However, if you’re looking for rewards on common business expenses, it may be a better option.

Rich travel benefits: American Express Business Platinum Card®

American Express Business Platinum Card®
NerdWallet Ratings

$200 airline fee credit

Cardholders receive up to $200 in annual credit toward incidental charges from an airline selected from a list of eligible partners. The points cover costs such as baggage fees, airport lounge guest passes and in-flight refreshments.

Global Entry or TSA Precheck fee credit

No need to wait in the general security line: Cardholders are eligible to receive a $100 statement credit every 4 years toward the Global Entry application fee, or an $85 statement credit every 4.5 years toward the Global Entry application fee. on TSA Precheck.

Use airport lounges

American Express Business Platinum Card® Travelers have access to more than 1,000 airport lounges, including Centurion Lounges, Delta Sky Clubs, Airspace Lounges and Priority Pass Lounges. Priority passes require registration. Terms apply.

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NerdWallet Ratings
NerdWallet Ratings
NerdWallet Ratings

regular annual interest rate

18.49%-24.49% variable annual interest rate

Annual interest rate introduction

0% introductory APR on purchases within 12 months

Annual interest rate introduction

Enjoy 0% introductory APR on purchases made within 12 months from account opening date

Recommended credit score

Recommended credit score

Recommended credit score

welcome bonus

If you can meet the minimum payout, you’ll also receive a generous bonus. Earn 120,000 Membership Rewards® points when you spend $15,000 in qualifying purchases with your Business Platinum Card within the first 3 months of card membership. Terms apply.

Ongoing rewards program American Express Business Platinum Card® It’s not spectacular, and like the perk, it’s mostly aimed at travelers. NerdWallet’s membership rewards are worth 0.5 to 1 cent each, and you’ll get the best value when redeeming for travel. You’ll earn 5 Membership Rewards points per $1 spent on flights and prepaid hotels booked through the American Express Travel website, and 1 Membership Rewards point per $1 spent on qualifying purchases.

Up to $200 per purchase on qualifying purchases at U.S. building materials and hardware suppliers, electronics retailers, software and cloud systems providers, and transportation providers, and purchases of $5,000 or more elsewhere For $10,000, you can also earn 1.5 points per calendar year. Terms apply. If you use Membership Rewards points to pay for your flight, you can get 35% of the points as a bonus.

Travel benefits offered American Express Business Platinum Card® Make its annual fee more reasonable. But if you don’t travel often, or you don’t use these specific services, you’ll be paying unnecessary fees.

Comprehensive rewards: Ink Business Preferred® Credit Card

Chase Ink Business Preferred Credit Card
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this Ink Business Preferred® Credit Card Doesn’t come with fancy travel perks American Express Business Platinum Card®. But what it lacks in luxury, it makes up for in bonus options.And its annual fee is far less scary American Express Business Platinum Card®.

High reward rate

this Ink Business Preferred® Credit Card This is certainly the more versatile option for those looking to get returns on their business spending. It provides:

  • Earn 3 points per dollar on the first $150,000 in combined purchases of telecommunications services (including wireless phone, landline, Internet and cable TV services); every account anniversary, shipping on social media and search engines, Travel and advertising.

  • Earn 1 point per $1 on all other purchases, unlimited.

High travel exchange rate

Chase Ultimate Rewards points can be redeemed for cash back or gift cards and are worth 1 cent each. When you redeem travel through the Ultimate Rewards travel website, the value jumps to 1.25 cents per point. That means 80,000 points can cover $1,000 worth of travel.

welcome bonus

this Ink Business Preferred® Credit Card Comes with a nice welcome bonus, but the spending requirements are so high that not everyone can meet them: Earn 100,000 bonus points after spending $8,000 in purchases within the first 3 months of account opening. Redeem through Chase Travel℠ and get $1,000 in cash back or $1,250 in travel credits..

Other business protection

Ink Business Preferred® Credit Card Provides many additional protections important to businesses:

  • If you’re traveling, you can purchase trip cancellation or interruption insurance, trip delay compensation, and lost or delayed baggage insurance.

  • Within a certain purchase timeframe, you’re covered for damaged or stolen items, you’re covered for the difference if you find an item you purchased at a lower price, and you can return it if the store doesn’t take it back.

  • You can also protect all phones that pay with your card. Here’s how it works: You can get up to $600 per claim for a stolen or damaged phone, with a $100 deductible per claim. You’re limited to three claims in a 12-month period, but considering how much you’re likely to spend on your mobile phone bill, this protection is worth noting.

Make a decision

American Express Business Platinum Card® and Ink Business Preferred® Credit Card Both have a lot of advantages, but not much overlap, which makes choosing between them fairly simple.

If your business requires you to travel frequently and you have used services covered by its benefits, American Express Business Platinum Card® Might be a good fit. Before you pull the trigger, compare how you value these benefits with the annual fee to see how they balance out.

this Ink Business Preferred® Credit Card Offers higher travel redemption rates and bonus points on common expenses, but no luxury perks like lounge access.If you spend a lot on general business expenses, you’ll have plenty of reward opportunities Ink Business Preferred® Credit Card almost none American Express Business Platinum Card®.

View rates and fees American Express Business Platinum Card®look this page.

Comparison card

NerdWallet Ratings
NerdWallet Ratings
NerdWallet Ratings
regular annual interest rate

18.49%-24.49% variable annual interest rate

Annual interest rate introduction

Enjoy 0% introductory APR on purchases made within 12 months from account opening date

Annual interest rate introduction

0% introductory APR on purchases within 12 months



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