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

This comparison aims to assist users in deciding between two popular business credit cards offered by American Express: The American Express Blue Business Cash™ Card and The Business Platinum Card® from American Express. Each card has unique features, rewards, and benefits tailored for different business needs and spending habits.

Card Overviews

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card is designed for small business owners who want to earn cash back on everyday purchases without the burden of an annual fee. Its straightforward rewards structure and valuable introductory offer make it an attractive option for businesses looking to maximize cash flow.

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express targets frequent travelers and high-spending business owners. With a higher annual fee, this card offers premium travel benefits, extensive rewards on travel-related purchases, and exclusive access to airport lounges, making it ideal for those who travel for business regularly.

Detailed Feature Comparison

Rewards Highlights

The American Express Blue Business Cash™ Card Rewards

• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
• 1% cash back on all eligible purchases after spending $50,000 per calendar year.

The Business Platinum Card® from American Express Rewards

• 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 on each eligible purchase at US 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

The American Express Blue Business Cash™ Card

• Pros: No annual fee, straightforward cash back rewards, flexible spending options with Expanded Buying Power.
• Cons: Lower rewards rate after reaching the $50,000 spending cap, limited premium benefits compared to higher-end cards.

The Business Platinum Card® from American Express

• Pros: Extensive travel benefits, high rewards potential on travel-related purchases, access to over 1,400 airport lounges.
• Cons: High annual fee, more complex rewards structure may not appeal to all users.

Who Should Consider Which Card?

• The American Express Blue Business Cash™ Card: Ideal for small business owners who prefer cash back rewards on everyday purchases and want to avoid an annual fee.
• The Business Platinum Card® from American Express: Best suited for frequent travelers and high-spending business owners who can take advantage of premium travel benefits and the extensive rewards structure.

Conclusion

When choosing between The American Express Blue Business Cash™ Card and The Business Platinum Card® from American Express, consider your individual spending habits and financial goals. The Blue Business Cash™ Card is a great choice for those seeking simplicity and cash back, while The Business Platinum Card® is tailored for those who frequently travel and are willing to invest in premium features.

“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.”