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American Express Blue Cash Everyday vs The Business Platinum Card

Both are American Express cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. The Business Platinum Card 2.0% 1x base rate
  2. Blue Cash Everyday 1.0% 1% base rate

Groceries

  1. Blue Cash Everyday 3.0% 3%, capped
  2. The Business Platinum Card 2.0% 1x base rate

Gas

  1. Blue Cash Everyday 3.0% 3%, capped
  2. The Business Platinum Card 2.0% 1x base rate

Online

  1. Blue Cash Everyday 3.0% 3%, capped
  2. The Business Platinum Card 2.0% 1x base rate

Electronics stores

  1. The Business Platinum Card 4.0% 2x
  2. Blue Cash Everyday 1.0% 1% base rate

Home improvement

  1. The Business Platinum Card 4.0% 2x
  2. Blue Cash Everyday 1.0% 1% base rate

Shipping

  1. The Business Platinum Card 4.0% 2x
  2. Blue Cash Everyday 1.0% 1% base rate

Flights · portal

  1. The Business Platinum Card · American Express Travel 10.0% 5x

Hotels · portal

  1. The Business Platinum Card · American Express Travel 10.0% 5x

What the numbers are doing

Blue Cash Everyday's 3% on groceries runs out: it applies to the first $6,000 of groceries spend a year, and everything past that earns 1%.

The Business Platinum Card tops everything else at 2.0% only because this table values its points at 2 cents each. Value them at one cent and Blue Cash Everyday wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Blue Cash Everyday $0 and The Business Platinum Card $895 a year, so a thin lead in one category may not cover the difference.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseThe Business Platinum Card2.0%
GroceriesBlue Cash Everyday3.0%
GasBlue Cash Everyday3.0%
OnlineBlue Cash Everyday3.0%
Electronics storesThe Business Platinum Card4.0%
Home improvementThe Business Platinum Card4.0%
ShippingThe Business Platinum Card4.0%
Flights · portalThe Business Platinum Card · American Express Travel10.0%
Hotels · portalThe Business 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

  1. The Business Platinum Card — 2.0%
  2. Blue Cash Everyday — 1.0%

Groceries

  1. Blue Cash Everyday — 3.0%
  2. The Business Platinum Card — 2.0%

Gas

  1. Blue Cash Everyday — 3.0%
  2. The Business Platinum Card — 2.0%

Online

  1. Blue Cash Everyday — 3.0%
  2. The Business Platinum Card — 2.0%

Electronics stores

  1. The Business Platinum Card — 4.0%
  2. Blue Cash Everyday — 1.0%

Home improvement

  1. The Business Platinum Card — 4.0%
  2. Blue Cash Everyday — 1.0%

Shipping

  1. The Business Platinum Card — 4.0%
  2. Blue Cash Everyday — 1.0%

Flights · portal

  1. The Business Platinum Card · American Express Travel — 10.0%

Hotels · portal

  1. The Business Platinum Card · American Express Travel — 10.0%
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