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Side-by-side

The Business Platinum Card from Amex vs Chime Credit Builder Secured Visa

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the Chime Credit Builder Secured Visa from Chime at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the The Business Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($2,700 more in estimated value) than the Chime Credit Builder Secured Visa's. Get the The Business Platinum Card from Amex first; revisit the Chime Credit Builder Secured Visa after you've earned that bonus.

FeatureThe Business Platinum Card from AmexChime Credit Builder Secured Visa
Annual fee$895$0
Sign-up bonus150,000 Membership Rewards pointsNone
Bonus value (est.)$2,700$0
Min spend to unlock bonus$20,000 in 3 mo$0 in 0 mo
IssuerAmerican ExpressChime
Card categorybusinesssecured
Best earning category (Flights_hotels_amextravel)5x1x
Transfer partnersamex-mrNone
Headline benefits
  • 150k MR bonus
  • $910 in shopping credits
  • Centurion lounge access
  • 35% flight rebate
    Read the full review
    The Business Platinum Card from Amex
    $895/yr · 150,000 Membership Rewards points
    Read the full review
    Chime Credit Builder Secured Visa
    $0/yr · None

    Editorial take: The Business Platinum Card from Amex

    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.

    Editorial take: Chime Credit Builder Secured Visa

    Common questions

    Which card has the bigger sign-up bonus, The Business Platinum Card from Amex or Chime Credit Builder Secured Visa?
    The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus None (~$0) on the Chime Credit Builder Secured Visa.
    Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the Chime Credit Builder Secured Visa?
    Premium cards like the The Business Platinum Card from Amex ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The Chime Credit Builder Secured Visa at $0/yr trades some perks for a lower commitment.
    Can I have both the The Business Platinum Card from Amex and Chime Credit Builder Secured Visa?
    Yes, since they're from different issuers (American Express and Chime) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the The Business Platinum Card from Amex or the Chime Credit Builder Secured Visa first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. The Business Platinum Card from Amex: $20,000 spend in 3 months. Chime Credit Builder Secured Visa: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    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.