Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.
Both are business travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the Chase Ink Business Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
For most people the The Business Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($700 more in estimated value) than the Chase Ink Business Preferred's. Get the The Business Platinum Card from Amex first; revisit the Chase Ink Business Preferred after you've earned that bonus.
| Feature | The Business Platinum Card from Amex | Chase Ink Business Preferred |
|---|---|---|
| Annual fee | $895 | $95 |
| Sign-up bonus | 150,000 Membership Rewards points | 100,000 points |
| Bonus value (est.) | $2,700 | $2,000 |
| Min spend to unlock bonus | $20,000 in 3 mo | $8,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | business | business |
| Best earning category (Flights_hotels_amextravel) | 5x | 1x |
| Transfer partners | amex-mr | chase-ur |
| Headline benefits |
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Only worth it if you'll actually use the Dell, Indeed, and Adobe credits, they total $910 per year but require repeat spending at each vendor. If you do, this is the most credit-rich card on the market.
The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on travel, shipping, internet/phone, and advertising (capped $150k/yr combined) plus full UR transfer access. Chase has added once-per-lifetime language; treat the bonus as a one-time opportunity.
TL;DR. Two business cards from opposite ends of the price ladder. Ink Preferred ($95) is the high-floor, low-friction choice: 3x on travel, shipping, internet/phone, and advertising (combined $150k cap), 100k-point welcome bonus, and full Ultimate Rewards transfer access. Business Platinum ($895) is a credits-and-perks card: 5x on flights and prepaid hotels via Amex Travel, 1.5x on purchases over $5k, Centurion Lounge access, and roughly $1,200 in Dell, Indeed, Adobe, and Walmart+ credits. Ink Preferred wins on earn-per-dollar-of-fee. Biz Plat wins only if you genuinely spend at Dell, Indeed, and Adobe.
The three dimensions that actually decide it. First, fee. $800 difference. That is the hurdle Biz Plat must clear in marginal value. Second, credits-vs-categories. Ink Preferred has zero credits and rewards behavior directly through earn. Biz Plat has six-ish credits that require quarterly or monthly engagement with specific vendors. Third, transfer partner overlap. Both transfer to flexible airline programs but Chase has Hyatt and United while Amex has more international carriers (ANA, Avianca LifeMiles, Air Canada Aeroplan).
Real customer scenario for each. If you are a sole prop or small agency spending $3k a month on Facebook ads and $500 on shipping, the Ink Preferred earns 12,600 points a month at 3x in those categories alone, roughly $250 in transferable point value, for $95 a year. If instead you run an agency that already spends on Dell hardware refreshes, Indeed job postings, and Adobe Creative Cloud, the Biz Plat's credits genuinely net out and the Centurion Lounge access for the founder is a real perk.
The trap to avoid. Opening the Biz Plat "for the bonus" then discovering the Dell credit splits into halves you cannot stack and the Adobe credit only works on annual plans paid monthly. The Ink Preferred bonus is 100k points for $8k spend in three months, often a better effective return than 150k Membership Rewards for $20k spend in three months when measured against fee.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.
