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All comparisons
Head-to-head, 2026

American Express Blue Cash Preferred 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 Cash Preferred

American Express

Blue Cash Preferred

Annual fee
$95
Network
amex
Welcome value
$300
Min spend
$3,000 / 6mo

Top earning rates

  • 6×Groceries · Reward Dollar Balance
  • 6×Streaming · Reward Dollar Balance
  • 3×Gas · Reward Dollar Balance
  • 3×Transit · Reward Dollar Balance

Key benefits

  • Disney Streaming Credit · $10
  • Purchase Protection · $0
  • Extended Warranty · $0
  • Return Protection · $0
  • Car Rental Loss and Damage Insurance · $0
Full American Express Blue Cash Preferred review

American Express

Business Platinum

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

Top earning rates

  • 5×Hotels · Membership Rewards
  • 5×Flights · Membership Rewards
  • 1.5×Construction materials and hardware · Membership Rewards
  • 1.5×Electronics · Membership Rewards

Key benefits

  • American Express One AP Statement Credit (Spend Tier) · $2400
  • Amex Travel Online Flight Credit (Spend Tier) · $1200
  • Additional Dell Technologies Credit (Spend Tier) · $1000
  • ChatGPT Business Credit · $300
  • $600 Hotel Credit · $300
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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