Amex Business Platinum vs Chase Ink Business Preferred
Amex Business Platinum edges Chase Ink Business Preferred on year-1 math ($5,458 more value at 1.8¢/pt).
Quick verdict
Amex Business Platinum edges Chase Ink Business Preferred on year-1 math ($5,458 more value at 1.8¢/pt)
Amex Business Platinum: $2,658 recurring credits + $3,600 welcome bonus − $895 AF = $5,363 net. Chase Ink Business Preferred: $0 recurring credits + $0 welcome bonus − $95 AF = -$95 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Amex Business Platinum | Chase Ink Business Preferred | |
|---|---|---|
| Annual fee | $895 | $95 |
| Welcome bonus | 200,000 pts after $20,000 in 3mo | — |
| Welcome bonus value @ 1.8¢ | $3,600 | — |
| Free-night cert | — | — |
| Recurring credits / year | $2,658 | $0 |
| Year-1 net @ 1.8¢ | $5,363 | -$95 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Amex Business Platinum
9 recurring credits
- Wireless Credit$10 · Monthly
- Indeed Credit$90 · Quarterly
- FHR/Hotel Collection$300 · Semi-annual
- Dell Technologies$75 · Semi-annual
- Priority Pass Select$469 · Annual
- Centurion Lounge access$300 · Annual
- Adobe Credit$250 · Annual
- CLEAR Plus$209 · Annual
- Hilton Credit$200 · Annual
Chase Ink Business Preferred
1 recurring credit
- Cell Phone Protection (deductible coverage)$0 · Monthly
Pick Amex Business Platinum if
the recurring credits stack is richer ($2,658 vs $0); the welcome bonus pays more at 1.8¢/pt ($3,600 vs $0).
Pick Chase Ink Business Preferred if
the AF is meaningfully lower ($95 vs $895).