Blue Cash Preferred vs Business Platinum
Blue Cash Preferred
$95/yr
7.0/10
VS
Business Platinum
$695/yr
5.5/10
Quick Answer
Blue Cash Preferred charges $95/yr with 1X base rewards. Business Platinum charges $695/yr with 1X base rewards. Blue Cash Preferred 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 Cash Preferred
Lower annual fee ($95 vs $695)
Rewards Earning
Business Platinum
6 earning categories
Benefits & Protection
Blue Cash Preferred
4 benefits vs 0
Statement Credits
Business Platinum
$1299 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Blue Cash Preferred wins for most people
The $600 fee difference is hard to justify unless you maximize premium benefits.
Apply for Blue Cash PreferredPREMIUM 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 Cash Preferred
| US supermarkets | 6.0X (up to $6,000) |
| Streaming services | 6.0X |
| Transit | 3.0X |
| US gas stations | 3.0X (up to $6,000) |
| Everything else | 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 |
Card Benefits: Detailed Comparison
Blue Cash Preferred (4 benefits)
- Car Rental Loss and Damage Insurance
- Purchase Protection (up to $1,000)
- Extended Warranty
- Return Protection (up to $300)
Business Platinum (0 benefits)
See full review for benefits details.