Blue Business Plus vs Platinum (Morgan Stanley)
Blue Business Plus
$0/yr
7.0/10
VS
Platinum (Morgan Stanley)
$895/yr
5.5/10
Quick Answer
Blue Business Plus charges no annual fee with 1X base rewards. Platinum (Morgan Stanley) charges $895/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 $895)
Rewards Earning
Platinum (Morgan Stanley)
3 earning categories
Benefits & Protection
Blue Business Plus
0 benefits vs 0
Statement Credits
Platinum (Morgan Stanley)
$1439 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Blue Business Plus wins for most people
The $895 fee difference is hard to justify unless you maximize premium benefits.
Apply for Blue Business PlusPREMIUM PICK
Platinum (Morgan Stanley) wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Platinum (Morgan Stanley)Rewards Earning: Detailed Comparison
Blue Business Plus
| Everything | 2.0X (up to $50,000) |
| Everything above $50K/year | 1.0X |
Platinum (Morgan Stanley)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |