Blue Business Plus vs Platinum (Schwab)
Blue Business Plus
$0/yr
7.0/10
VS
Platinum (Schwab)
$895/yr
5.5/10
Quick Answer
Blue Business Plus charges no annual fee with 1X base rewards. Platinum (Schwab) 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 (Schwab)
3 earning categories
Benefits & Protection
Blue Business Plus
0 benefits vs 0
Statement Credits
Platinum (Schwab)
$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 (Schwab) wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Platinum (Schwab)Rewards Earning: Detailed Comparison
Blue Business Plus
| Everything | 2.0X (up to $50,000) |
| Everything above $50K/year | 1.0X |
Platinum (Schwab)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |