Editorial take: The Platinum Card from Amex
The granddaddy of premium cards with Centurion Lounge access, hotel elite status, and a mountain of credits. The $695 fee stings, but if you use even half the credits, you come out ahead.
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Side-by-side
The Platinum Card from Amex vs Chase Ink Business Premier
Both are well-respected travel cards. The The Platinum Card from Amex comes from American Express at $695/yr; the Chase Ink Business Premier from Chase at $195/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the Chase Ink Business Premier — its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | The Platinum Card from Amex | Chase Ink Business Premier |
|---|---|---|
| Annual fee | $695 | $195 |
| Sign-up bonus | 80,000 points | 100,000 points |
| Bonus value (est.) | $1,600 | $2,000 |
| Min spend to unlock bonus | $8,000 in 6 mo | $10,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | travel | business |
| Best earning category (Flights) | 5x | 1x |
| Transfer partners | amex-mr | chase-ur |
| Headline benefits |
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Read the full review
The Platinum Card from Amex
$695/yr · 80,000 points
Read the full review
Chase Ink Business Premier
$195/yr · 100,000 points
Editorial take: Chase Ink Business Premier
Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards — perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.
Common questions
- Which card has the bigger sign-up bonus, The Platinum Card from Amex or Chase Ink Business Premier?
- The Chase Ink Business Premier has the bigger bonus — 100,000 points, worth roughly $2,000, versus 80,000 points (~$1,600) on the The Platinum Card from Amex.
- Is the The Platinum Card from Amex's $695 annual fee worth it compared to the Chase Ink Business Premier?
- Premium cards like the The Platinum Card from Amex ($695/yr) earn their fee through credits — travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ of those credits, the math works. The Chase Ink Business Premier at $195/yr trades some perks for a lower commitment.
- Can I have both the The Platinum Card from Amex and Chase Ink Business Premier?
- Yes, since they're from different issuers (American Express and Chase) 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 Platinum Card from Amex or the Chase Ink Business Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. The Platinum Card from Amex: $8,000 spend in 6 months. Chase Ink Business Premier: $10,000 in 3 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.