Apple Card vs Amex Business Platinum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Amex Business Platinum wins 3-2. US-incorporated startups with $50K+/year corporate spend. Apple Card is still the right call if apple ecosystem users — daily cashback, instant in wallet..
Side-by-side
| Criterion | Apple Card | Amex Business Platinum |
|---|---|---|
| Annual fee | No annual fee | · $695 |
| Joining fee | = None | = None |
| Top reward rate | · 3% (shopping) | 5% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = No welcome bonus — daily cashback model | = 150,000 Membership Rewards points after $20,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 660 | · 720 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
Apple Card
- 3% Daily Cash on Apple purchases + select merchants (Uber, Walgreens, T-Mobile)
- 2% Daily Cash on all Apple Pay transactions
- 1% Daily Cash on physical-card purchases
- No annual fee, no foreign transaction fee, no late fees
- High-yield savings account at 4.4% APY
- Privacy-first: no purchase data sold
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
›Apple Card vs Amex Business Platinum: which is better?
Amex Business Platinum 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 Apple Card 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?
Apple Card: No welcome bonus — daily cashback model. Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months.