Compare Cards: The Business Platinum Card® from American Express vs. American Express Business Gold Card vs. Chase Sapphire Reserve® for Business

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Earning Rates	The Business Platinum Card® from American Express American Express lounge-accesspremiumtransferableno-foreign-transaction-fee Details	American Express Business Gold Card American Express lounge-accesspremiumtransferable Details	Chase Sapphire Reserve® for Business Chase businesslounge-accesspremiumtransferable Details
First-year value Welcome offer + annual credits − annual fee	+$5,924	+$3,570.4	+$4,645
Annual Fee	$895	$375	$795
Credit Required	Excellent	Excellent	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	300,000 pts As-high-as offer: apply and find out your welcome offer, as high as 300,000 Membership Rewards points after you spend $20,000 in purchases within the first 3 months. Welcome offers vary and you may not be eligible for an offer. Spend $20,000 in 3 mo	200,000 pts Earn 200,000 Membership Rewards points after spending $15,000 within 3 months of account opening. This is the highest available sign-up bonus for this card. Spend $15,000 in 3 mo	200,000 pts Limited-time offer: Earn 200,000 bonus points after spending $30,000 on purchases in the first 6 months from account opening. Spend $30,000 in 6 mo
Network	amex	amex	visa
Earning Rates
All Other Purchases	—	—	1× 1x points on all other purchases
Chase Travel	—	—	8× 8x points on all purchases through Chase Travel, including The Edit
Flights	5× Booked directly with airlines	5× Booked directly with airlines	—
Flights & Hotels Booked Direct	—	—	4× 4x points on flights & hotels booked direct
Hotels	5× On prepaid hotels	5× On prepaid hotels	—
Lyft	—	—	5× 5x total points on Lyft rides through 9/30/27
Other	1×	1×	—
Social Media & Search Engine Advertising	—	—	3× 3x points on social media & search engine advertising, on up to $1 million in spend each anniversary year (starting 11/15/26)
Benefits & Credits	Annual Credits Hotel Credit (FHR + Hotel Collection) - $300/half ($600/year) on prepaid stays at Fine Hotels & Resorts and The Hotel Collection Dell Credit (base) - $150/year on US Dell Technologies purchases Indeed Credit - $90/quarter ($360/year) on Indeed purchases Airline Fee Credit - $200/year on baggage fees and other airline incidentals for one selected qualifying airline CLEAR Plus Credit - $209/year on CLEAR Plus Membership (auto-renewal required) Hilton for Business Credit - Up to $50/quarter ($200/year cap) statement credit for purchases made directly with Hilton portfolio properties Hotel Status Marriott BonvoyGold Elite Lounge Access 0 1 Other Benefits Fine Hotels + Resorts: FHR program access The Hotel Collection: THC program access 35% Rebate on Business/First Class: Get 35% of points back when redeeming for business/first class flights (must select one airline)	Annual Credits Flexible Business Credit (FedEx / Grubhub / Office Supply) - $20/month ($240/yr) on US purchases at FedEx, Grubhub, or office supply stores Walmart+ Credit - Monthly Walmart+ membership credit (~$12 Squarespace Credit - $150/yr on US Squarespace purchases Hotel Status Marriott BonvoyGold Elite Lounge Access 0 1 Other Benefits Fine Hotels + Resorts:	Annual Credits Annual Travel Credit - $300 annual credit on travel purchases (auto-applied, no enrollment) The Edit Credit - Up to $500 annually for prepaid hotel bookings through The Edit by Chase Travel ($250 max per transaction) Lyft Credits - $10 monthly in-app Lyft credits ($120/year) through 9/30/27 Google Workspace Credit - $200 annual credit for Google Workspace purchases Global Entry Credit - Up to $120 every 4 years for Global Entry, TSA PreCheck, or NEXUS DoorDash Promos - With complimentary DashPass (activate by 12/31/27): up to $25 each month on DoorDash: a $5 monthly restaurant promo plus two $10 promos for groceries, retail and more ZipRecruiter Credit - Up to $400 per year in ZipRecruiter statement credits ($200 Jan–Jun and $200 Jul–Dec) Curated Gift Card Credit - Up to $100 per year in statement credits for gift cards purchased from a curated collection ($50 per half-year) Lounge Access 0 1 Other Benefits Priority Pass Select: Unlimited Priority Pass Select lounge access for cardmember and guests Global Entry/TSA PreCheck: Up to $120 reimbursement for Global Entry, TSA PreCheck, or NEXUS every 4 years Transfer Partners: 1:1 point transfer to 14+ airline/hotel partners including United, Southwest, Hyatt, Marriott, British Airways Primary Auto Rental Collision Damage Waiver: Primary rental car coverage worldwide Emergency Evacuation Coverage: Up to $100,000 for emergency medical evacuation Trip Cancellation/Interruption: Up to $20,000 per person and $40,000 per trip 24/7 Concierge: Access to travel and lifestyle concierge services Employee Cards at No Cost: Add employee cards at no additional annual fee FHR Benefits: Access to Chase's Luxury Hotel & Resort Collection (FHR) with breakfast, early check-in, upgrades, $100 experience credit The Hotel Collection: THC: Complimentary room upgrade and $100 food/beverage credit at THC properties
Insurance	Trip Delay Secondary Purchase Protection Extended Warranty	Trip Delay Secondary Purchase Protection Extended Warranty	Trip Cancellation Trip Delay Primary Purchase Protection Extended Warranty