Chase Sapphire Preferred vs Amex Business Platinum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Chase Sapphire Preferred wins 3-1. First-time travel-rewards card, sweet-spot earn rates Amex Business Platinum is still the right call if us-incorporated startups with $50k+/year corporate spend..
Side-by-side
| Criterion | Chase Sapphire Preferred | Amex Business Platinum |
|---|---|---|
| Annual fee | $95 | · $695 |
| Joining fee | = None | = None |
| Top reward rate | = 5% (travel) | = 5% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel) | = 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 | 4.7/5 | · 4.5/5 |
Benefits compared
Chase Sapphire Preferred
- 5x points on travel booked through Chase Ultimate Rewards
- 3x on dining (incl. takeout & delivery)
- 2x on all other travel
- 25% more value when redeeming for travel via Chase Ultimate Rewards portal
- No foreign transaction fees
- Trip cancellation/interruption insurance, primary auto rental coverage
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
›Chase Sapphire Preferred vs Amex Business Platinum: which is better?
Chase Sapphire Preferred wins on more dimensions (3 vs 1). 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 Chase Sapphire 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?
Chase Sapphire Preferred: 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel). Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months.