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Side-by-side

The Business Platinum Card from Amex vs Petal 2 Cash Back, No Fees Visa

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the Petal 2 Cash Back, No Fees Visa from Petal 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 Petal 2 Cash Back, No Fees Visa's. Get the The Business Platinum Card from Amex first; revisit the Petal 2 Cash Back, No Fees Visa after you've earned that bonus.

FeatureThe Business Platinum Card from AmexPetal 2 Cash Back, No Fees 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 ExpressPetal
Card categorybusinesscredit-builder
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
    Petal 2 Cash Back, No Fees 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: Petal 2 Cash Back, No Fees Visa

    Common questions

    Which card has the bigger sign-up bonus, The Business Platinum Card from Amex or Petal 2 Cash Back, No Fees 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 Petal 2 Cash Back, No Fees Visa.
    Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the Petal 2 Cash Back, No Fees 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 Petal 2 Cash Back, No Fees Visa at $0/yr trades some perks for a lower commitment.
    Can I have both the The Business Platinum Card from Amex and Petal 2 Cash Back, No Fees Visa?
    Yes, since they're from different issuers (American Express and Petal) 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 Petal 2 Cash Back, No Fees 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. Petal 2 Cash Back, No Fees 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.