Blue Business Plus vs Business Platinum
Blue Business Plus
$0/yr
7.0/10
VS
Business Platinum
$695/yr
5.5/10
Quick Answer
Blue Business Plus charges no annual fee with 1X base rewards. Business Platinum charges $695/yr with 1X base rewards. Blue Business Plus offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Blue Business Plus
Lower annual fee ($0 vs $695)
Rewards Earning
Business Platinum
6 earning categories
Benefits & Protection
Blue Business Plus
0 benefits vs 0
Statement Credits
Business Platinum
$1299 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Blue Business Plus wins for most people
The $695 fee difference is hard to justify unless you maximize premium benefits.
Apply for Blue Business PlusPREMIUM PICK
Business Platinum wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Business PlatinumRewards Earning: Detailed Comparison
Blue Business Plus
| Everything | 2.0X (up to $50,000) |
| Everything above $50K/year | 1.0X |
Business Platinum
| Flights & hotels (Amex Travel) | 5.0X |
| Eligible purchases $5,000+ | 1.5X (up to $2,000,000) |
| US construction material & hardware | 1.5X |
| US electronic goods retailers | 1.5X |
| US shipping providers | 1.5X |
| Everything else | 1.0X |