Blue Cash Everyday® Card from American Express vs The Business Platinum Card® from American Express

This comparison aims to help users decide between the Blue Cash Everyday® Card from American Express and The Business Platinum Card® from American Express. Both cards offer unique benefits geared toward different spending habits and financial goals.

Card Overviews

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card is designed for everyday consumers looking to earn cash back on their regular purchases without an annual fee. It excels in providing rewards at supermarkets, gas stations, and online retailers.

The Business Platinum Card® from American Express

The Business Platinum Card® is tailored for business owners who travel frequently and want to maximize their rewards on business-related expenses. It offers premium travel benefits and a robust rewards structure for flights and hotels.

Detailed Feature Comparison

Rewards Highlights

Rewards for Blue Cash Everyday® Card from American Express

• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• 1% Cash Back on other purchases.

Rewards for The Business Platinum Card® from American Express

• Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at U.S. construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• Earn 1X points on other eligible purchases.

Pros and Cons

Blue Cash Everyday® Card from American Express

• Pros:
  • No annual fee.
  • Strong cash back rewards on everyday spending categories.
  • Flexible redemption options through statement credits.
• Cons:
  • Lower rewards for non-bonus categories.
  • Cap on cash back at supermarkets, gas stations, and online retailers.

The Business Platinum Card® from American Express

• Pros:
  • Exceptional travel benefits and lounge access.
  • High rewards on travel-related purchases.
  • Significant welcome bonus and statement credits.
• Cons:
  • High annual fee.
  • Complex rewards structure may be overwhelming for casual users.

Who Should Consider Which Card?

Blue Cash Everyday® Card from American Express: Ideal for individuals and families who frequently shop at supermarkets, gas stations, and online retailers but prefer to avoid annual fees. This card suits those who want straightforward cash back rewards on their everyday purchases.

The Business Platinum Card® from American Express: Best for business owners who travel often and want to maximize rewards on travel-related expenses. This card is perfect for those seeking premium benefits such as airport lounge access and substantial welcome offers while being willing to pay an annual fee for these advantages.

Conclusion

Choosing between the Blue Cash Everyday® Card from American Express and The Business Platinum Card® from American Express ultimately depends on your spending habits and financial goals. Consider your priorities, whether cash back on everyday purchases or travel rewards and benefits are more aligned with your lifestyle.

“Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.”