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Card vs Card Comparison

Amex Business Platinum
vs
Chase Ink Business Unlimited.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Business Platinum

Annual fee

$695

Points

Membership Rewards

Signup bonus

150K points after $20K in 3 months

Top earning rates

  • →5x on flights and prepaid hotels (Amex Travel)
  • →1.5x on purchases over $5K
  • →1x on everything else

Top perks

  • →$200 hotel credit (Fine Hotels + Resorts and Hotel Collection)
  • →$200 airline incidental credit
  • →$400 Dell credit annually
See Amex Business Platinum detailsarrow_forward

Chase

Chase Ink Business Unlimited

Annual fee

Free

Points

Ultimate Rewards (with Sapphire pairing)

Signup bonus

$900 cash back after $6K in 3 months

Top earning rates

  • →1.5x flat on every business purchase
  • →Pairs with Sapphire Preferred or Reserve to unlock Chase transfer partners

Top perks

  • →$0 annual fee forever
  • →Primary rental car coverage on business rentals
  • →Purchase protection and extended warranty
See Chase Ink Business Unlimited detailsarrow_forward

The verdict

When each card wins.

Amex Business Platinum wins if

Pick this if you run a business with regular $5K+ purchases and can use the Dell, Indeed, and Adobe credits.

Honest downside: Credits are business-specific. Personal travelers get more value from the personal Platinum.

Chase Ink Business Unlimited wins if

Pick this if you want a flat-rate business cashback card with no fee, or to pair with a Chase Sapphire to convert cashback into Hyatt and United points.

Honest downside: On its own, it earns only cashback. Real value unlocks only when paired with a Sapphire card.

At a glance

Side-by-side spec sheet.

SpecAmex Business PlatinumChase Ink Business Unlimited
Annual fee$695Free
Points currencyMembership RewardsUltimate Rewards (with Sapphire pairing)
Signup bonus150K points$900 cash back
Top earn category5x on flights and prepaid hotels (Amex Travel)1.5x flat on every business purchase
Second earn category1.5x on purchases over $5KPairs with Sapphire Preferred or Reserve to unlock Chase transfer partners
Third earn category1x on everything elseStandard 1x earn
Signature perk$200 hotel credit (Fine Hotels + Resorts and Hotel Collection)$0 annual fee forever
IssuerAmerican ExpressChase

Questions

Frequently asked.

Which is better, Amex Business Platinum or Chase Ink Business Unlimited?

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Amex Business Platinum wins if you run a business with regular $5K+ purchases and can use the Dell, Indeed, and Adobe credits. Chase Ink Business Unlimited wins if you want a flat-rate business cashback card with no fee, or to pair with a Chase Sapphire to convert cashback into Hyatt and United points.

Can I have both the Amex Business Platinum and the Chase Ink Business Unlimited?

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Yes. These are issued by different banks (American Express and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Amex Business Platinum or Chase Ink Business Unlimited?

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Amex Business Platinum has the higher annual fee at $695, compared to $0 for Chase Ink Business Unlimited. Whether the pricier card is worth the difference depends on which credits and perks you use each year.