American Express The Blue Business Plus Credit Card vs The Platinum Card
Both are American Express cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- The Blue Business Plus Credit Card 4.0% 2x base rate
- The Platinum Card 2.0% 1x base rate
Flights
- The Platinum Card 10.0% 5x, capped
- The Blue Business Plus Credit Card 4.0% 2x base rate
Flights · portal
- The Platinum Card · American Express Travel 10.0% 5x
Hotels · portal
- The Platinum Card · American Express Travel 10.0% 5x
What the numbers are doing
The Platinum Card's 5x on flights runs out: it applies to the first $500,000 of flights spend a year, and everything past that earns 1x.
Abroad the answer flips: The Blue Business Plus Credit Card charges a 2.7% foreign transaction fee, so once that comes off the rate The Platinum Card is the better card for everyday spend.
The table is earn rate only — annual fees are not netted out of it. These cards charge The Blue Business Plus Credit Card $0 and The Platinum Card $895 a year, so a thin lead in one category may not cover the difference.
| Category | Best card |
|---|---|
| Everything else | The Blue Business Plus Credit Card4.0% |
| Flights | The Platinum Card10.0% |
| Flights · portal | The Platinum Card · American Express Travel10.0% |
| Hotels · portal | The Platinum Card · American Express Travel10.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- The Blue Business Plus Credit Card — 4.0%
- The Platinum Card — 2.0%
Flights
- The Platinum Card — 10.0%
- The Blue Business Plus Credit Card — 4.0%
Flights · portal
- The Platinum Card · American Express Travel — 10.0%
Hotels · portal
- The Platinum Card · American Express Travel — 10.0%
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