Amex Business Platinum: 300k Bonus Points
The Amex Business Platinum card offers a generous welcome bonus and premium travel perks, while other top business cards deliver cash back, miles, or points tailored to different spending habits. This guide compares the best options for freelancers, retailers, and frequent travelers.
The American Express Business Platinum Card offers a welcome bonus of up to 300,000 Membership Rewards points after spending $20,000 in the first three months. TPG estimates that bonus at up to $6,000.
Card Comparison
| Card | Welcome Offer | Annual Fee |
|---|---|---|
| Amex Business Gold | Up to 200,000 points after $15,000 spend | $375 |
| Amex Blue Business Plus | 15,000 points after $3,000 spend | $0 |
| Amex Business Platinum | Up to 300,000 points after $20,000 spend | $895 |
| Capital One Venture Business | 100,000 miles after $10,000 spend | $95 |
| Capital One Venture X Business | 150,000 miles after $30,000 spend | $395 |
| Chase Sapphire Reserve for Business | 200,000 points after $30,000 spend | $795 |
| Ink Business Cash | $1,000 cash back after $8,000 spend | $0 |
| Ink Business Preferred | 100,000 points after $8,000 spend | $95 |
The table above lists each card’s welcome offer and annual fee, giving a quick snapshot of the upfront rewards and ongoing costs.
Key Features by Card
Amex Business Gold - Earn 4 points per dollar on the top two eligible categories each month, up to $150,000 in combined spending, then 1 point per dollar. The card also provides up to $240 in annual statement credits for U.S. purchases at FedEx, Grubhub, and office supply stores. TPG’s August 2026 valuations say the welcome offer could be worth up to $4,000. Katie Genter, a TPG lead writer, notes that she uses the card to order Grubhub meals monthly.
Amex Blue Business Plus - Receive 2 Membership Rewards points per dollar on all purchases up to $50,000 per year, then 1 point per dollar. No annual fee. The points can be transferred to Amex’s 20 loyalty partners.
Amex Business Platinum - Offers 2 points per dollar on U.S. construction material and hardware suppliers, electronics, software, and shipping providers, plus on purchases of $5,000 or more (up to $2 million per year). The card delivers up to $600 in statement credits for Fine Hotels + Resorts and The Hotel Collection bookings, and up to $200 in airline fee credits. It also grants automatic elite status with Hilton, Marriott, and Leading Hotels of the World.
Capital One Venture Business - Earn 5 miles per dollar on hotels, rental cars, and vacation rentals booked through Capital One Business Travel, and 2 miles on other purchases. The card includes a $50 annual travel credit, a $50 experience credit per year for qualifying stays, and a $120 statement credit for Global Entry or TSA PreCheck.
Capital One Venture X Business - Provides a $300 annual travel credit, 10,000 bonus miles each anniversary year, and a Global Entry/TSA statement credit. Cardholders earn at least 2 miles per dollar on all purchases and can transfer miles to 15+ partners.
Chase Sapphire Reserve for Business - Features airport lounge access, nearly $2,000 in annual credits, and uncapped 4 points per dollar on flights and hotels booked directly, plus 3 points per dollar on social media and search engine advertising. The points can be transferred to Chase’s hotel and airline partners or redeemed through Chase Travel.
Ink Business Cash - Offers 5% cash back on office supplies and select utilities (first $25,000 per anniversary year) and 2% on restaurants and gas stations (first $25,000 per anniversary year). The card includes primary rental car insurance for business trips.
Ink Business Preferred - Delivers 3 points per dollar on travel, shipping, social media, search engine advertising, and telecommunications (first $150,000 per year), then 1 point per dollar. Points can be redeemed for travel via Chase Travel or transferred to Chase partners.
Choosing the Right Card
The best card depends on where your business spends most of its money. If travel and high-value purchases dominate, the Amex Business Platinum or Chase Sapphire Reserve for Business offer the highest rewards and travel perks. For everyday office supplies and utilities, Ink Business Cash or Amex Blue Business Plus provide straightforward cash back or points. If you travel frequently but also need a lower annual fee, Capital One Venture Business or Venture X Business balance miles and credits.
For a deeper dive into card performance, see our stats page. Check the fixtures for upcoming card promotions and eligibility details.
The Amex Business Platinum card’s $20,000 spend requirement for the 300,000-point bonus remains a compelling incentive for businesses that can meet the threshold.
