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Compare the Features and Benefits of The Business Platinum Card® from American Express and
Chase Freedom Rise®

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Trip Protections
Extended Warranty
Purchase Protection
Free Access to Credit Score
Annual Statement Credits
Airport Lounge Access
Grants Car Rental Status
Grants Hotel Status
Earns Transferable Points
Global Entry / TSA PreCheck Reimbursement
Cell Phone Protection
Secondary Car Rental CDW Waiver
Return Protection
Does Not Report Credit Line to Personal Credit Profile
Concierge Services
Has No Preset Spending Limit
Metal Card
Amex Offers
Annual Fee
$695 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
18.49%-27.49% (Variable)
Balance transfers fees
-
Best Multiplier
5x Airfare

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

5x Hotels

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

1.5x Single Charges over $5,000
1.5x U.S. Electronic Goods Retailers / Software / Cloud System Providers
1.5x Shipping
1x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.017
Bonus Offer
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

💳 This card earns American Express Membership Rewards points. American Express often runs transfer bonuses where you can get even more points when you transfer to airline or hotel partners at designated times. Transfer bonuses are awesome. Get 20%, 30%, 40% or more bonus miles when you transfer points at the right times. But they are easy to miss!

You can see all past Transfer Bonuses from American Express Membership Rewards here.

Even better? Get notified when a new transfer bonus comes out and again before it ends (either or both, your choice). Sign up for free alerts right here. 🔔

The Amex Business Platinum is the one of the most expensive travel rewards cards on the market today. However, while its annual fee might be a bit on the higher side, the perks that come along with it are second to none, both from the business perspective as well as the travel angle.

For small business owners that hit the road (or skies) regularly, there really isn’t another card quite like this one.

On the travel perks side of things, the Amex Business Platinum has a laundry list of embedded extras from hotel and rental car elite statuses to complimentary access to airport lounges through the Global Lounge Collection. (See the key features and benefits above.)

However, this is a business card, after all, and where this card shines is in its statement credits. If you have business expenses that are with specific merchants, such as Indeed, Dell, and Adobe, the Business Platinum can tangibly help cut reduce costs. In addition, card holders get an extra half point per dollar (1.5X) on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, and purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. While a 1.5X bonus isn’t huge, it’s helpful that this spans a wide variety of business categories (and is capped at $2 million).

The perk of $50 in quarterly statement credits (enrollment required) at Hilton properties – up to $200 a year – adds real additional value as well.

The Amex Business Platinum isn’t a card for everyone — that’s for sure. But for high-spending business owners who travel often (either for business or pleasure), this just might be the card for you.

Rates and fees for The Business Platinum Card® from American Express

Read more
Unique Card Benefits
yes
Trip Protections
yes
Extended Warranty
yes
Purchase Protection
yes
Free Access to Credit Score
yes
Annual Statement Credits
yes
Airport Lounge Access
yes
Grants Car Rental Status
yes
Grants Hotel Status
yes
Earns Transferable Points
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes
Secondary Car Rental CDW Waiver
yes
Return Protection
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Concierge Services
yes
Has No Preset Spending Limit
yes
Metal Card
yes
Amex Offers
yes
Annual Fee
$0
Avg. Min. Credit Score
670-850
Ongoing APR
25.99% (Variable)
Balance transfers fees
$5 or 5% of the amount of each transfer, whichever is greater
Best Multiplier
5x Lyft

Through March 2025

1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Chase Freedom Rise® is specifically aimed at those people who haven’t yet established credit, whether they are young or new to the country.

What’s great about this card is that unlike most “starter” credit cards, this credit card actually earns cash back and a handsome 1.5% cash back at that – all with no annual fee and it’s not a secured credit card, meaning you are being given credit the same as anyone else and you’ll be able to build your credit score by using the card and making on time payments. The cash back is awarded as Chase Ultimate Rewards points, but they are not transferable points – only cash back.

There are no intro 0% APR offers on this card so it’s best for someone that will be able to pay their bills on time and, ideally, in full.

Read more
Unique Card Benefits
yes
Trip Protections
yes
Extended Warranty
yes
Purchase Protection
yes
Free Access to Credit Score
yes
Annual Statement Credits
no
Airport Lounge Access
no
Grants Car Rental Status
no
Grants Hotel Status
no
Earns Transferable Points
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
Secondary Car Rental CDW Waiver
no
Return Protection
no
Does Not Report Credit Line to Personal Credit Profile
no
Concierge Services
no
Has No Preset Spending Limit
no
Metal Card
no
Amex Offers
no

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