Amex Business Platinum vs Amex Blue Cash Everyday
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
EXPRESS
Amex Business Platinum wins 4-2. US-incorporated startups with $50K+/year corporate spend. Amex Blue Cash Everyday is still the right call if no-fee amex with 3% supermarket — blue cash preferred minus the fee..
Side-by-side
| Criterion | Amex Business Platinum | Amex Blue Cash Everyday |
|---|---|---|
| Annual fee | · $695 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (shopping) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | No FX fee | · 2.7% |
| Welcome bonus | = 150,000 Membership Rewards points after $20,000 spend in 3 months | = $200 statement credit after $2,000 spend in first 6 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 720 | 670 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
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)
Amex Blue Cash Everyday
- 3% on US supermarkets (up to $6K/year)
- 3% on US gas stations + online retail
- 1% on everything else
- No annual fee
FAQ
›Amex Business Platinum vs Amex Blue Cash Everyday: which is better?
Amex Business Platinum wins on more dimensions (4 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 Business Platinum for its best categories, Amex Blue Cash Everyday for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months. Amex Blue Cash Everyday: $200 statement credit after $2,000 spend in first 6 months.