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All comparisons
Head-to-head, 2026

American Express Blue Business Plus American Express Business Platinum

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Blue Business Plus

American Express

Blue Business Plus

Annual fee
$0
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 2×all purchases · Membership Rewards
  • 1×all other purchases · Membership Rewards

Key benefits

  • 2x points on all purchases · $500
  • Amex Offers · $150
  • The Hotel Collection · $100
  • No Fee Employee Cards · $50
  • Car Rental Loss and Damage Insurance · $50
Full American Express Blue Business Plus review

American Express

Business Platinum

Annual fee
$895
Network
amex
Welcome value
$3,000
Min spend
$20,000 / 3mo

Top earning rates

  • 5×flights · Membership Rewards
  • 5×hotels · Membership Rewards
  • 1.5×business expenses · Membership Rewards
  • 1.5×large purchases · Membership Rewards

Key benefits

  • American Express One AP Statement Credit (Spend Tier) · $2400
  • Amex Travel Online Flight Statement Credit (Spend Tier) · $1200
  • Hotel Credit · $600
  • 35% Airline Bonus · $500
  • Hotel Elite Status · $400
Full American Express Business Platinum review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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