Amex Blue Cash Preferred vs Amex Business Platinum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
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Amex Blue Cash Preferred wins 3-2. Suburban families with kids — best US-supermarket card. Amex Business Platinum is still the right call if us-incorporated startups with $50k+/year corporate spend..
Side-by-side
| Criterion | Amex Blue Cash Preferred | Amex Business Platinum |
|---|---|---|
| Annual fee | $95 | · $695 |
| Joining fee | = None | = None |
| Top reward rate | 6% (shopping) | · 5% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | · 2.7% | No FX fee |
| Welcome bonus | = $250 statement credit after $3,000 in 6 months | = 150,000 Membership Rewards points after $20,000 spend in 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | 700 | · 720 |
| Editorial rating | = 4.5/5 | = 4.5/5 |
Benefits compared
Amex Blue Cash Preferred
- 6% cashback on US supermarkets (up to $6K/year, then 1%)
- 6% on streaming subscriptions
- 3% on US gas stations + transit
- 1% on everything else
- 0% intro APR for 12 months
Amex Business Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 1.5x on purchases ≥$5,000 (uncapped)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
FAQ
›Amex Blue Cash Preferred vs Amex Business Platinum: which is better?
Amex Blue Cash Preferred wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Preferred for its best categories, Amex Business Platinum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Blue Cash Preferred: $250 statement credit after $3,000 in 6 months. Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months.