Amex Business Platinum Card vs. Chase Sapphire Reserve Card [Detailed Comparison]

- UPDATED: January 20, 2022

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When it comes to premium travel rewards cards, there’s just a short list of cards that stand out from the others. The Business Platinum Card® from American Express and the Chase Sapphire Reserve® Card are 2 cards that are frequently mentioned in this category.

A premium rewards card can deliver elevated earnings on your purchases, provide travel benefits that make your trip more comfortable, and offer redemption options that maximize your hard-earned rewards. Both of the cards we’re comparing today accomplish all of this and more.

If you’re considering a new premium rewards card and looked at either, or both, of these cards, you know there’s value to be found.

That potential value is the reason we’ve chosen these 2 popular cards for our comparison. Our article today will look at how each of these cards provides that value in the categories that matter most to travelers, but we’ll also include the alternate benefits being offered during this period of diminished travel activity.

Having all the information you need to select the right rewards card for your situation is important, so let’s get started.

Table of contents

Business Card vs. Personal Card
The Value of a Welcome Bonus
Membership Rewards Points vs. Ultimate Rewards Points
- Comparing Earning Potential
- Comparing Redemption Options
Worldwide Airport Lounge Access
Statement Credits
Hotel, Airline, and Car Rental Benefits
Travel Insurance and Protection Benefits
Shopping Benefits and Protections
Amex Business Platinum Card vs. Chase Sapphire Reserve Card — Summary
Final Thoughts

Table of Contents

Business Card vs. Personal Card
The Value of a Welcome Bonus
Membership Rewards Points vs. Ultimate Rewards Points
- Comparing Earning Potential
- Comparing Redemption Options
Worldwide Airport Lounge Access
Statement Credits
Hotel, Airline, and Car Rental Benefits
Travel Insurance and Protection Benefits
Shopping Benefits and Protections
Amex Business Platinum Card vs. Chase Sapphire Reserve Card — Summary
Final Thoughts

Business Card vs. Personal Card

Let’s quickly address the elephant in the room and acknowledge that the Amex Business Platinum card is obviously a business card and the Chase Sapphire Reserve card is a personal consumer card.

If you need a business credit card to keep business and personal purchases separated and to simplify expense organization, of course you’ll want to consider a business card.

If your expenses will be more of a personal nature, then a personal travel rewards card, cash-back card, or a card that earns on everyday purchases would be more appropriate.

If however, you’re ready to select just 1 card and it could be either of our featured cards, our comparison will help you immensely with your decision.

The Value of a Welcome Bonus

Welcome bonuses are normally earned on cards when you meet specific spending requirements within 3 months after you are approved for the card. These bonuses can be substantial and serve to jump-start the funding of your rewards account.

These welcome bonuses do fluctuate, so you’ll always want to thoroughly review the most current offer before applying for any card.

Here’s a snapshot of the welcome bonuses on our featured cards:

Amex Business Platinum Card

Credit Card	Benefits & Info
New Welcome Offer The Business Platinum Card® from American Express Learn More (at Amex's secure site)	Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening. Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required. $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline. $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership. The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021. Good to Excellent Credit Recommended (670-850) Annual Fee: $695 Terms Apply. For rates and fees of the Amex Business Platinum card, click here. $2,640 Must Reads: For more info on the Amex Business Platinum, see our insights on its benefits, top card FAQ’s and the best airport lounges you can access. Go here for our full review. This is one of several business credit cards from Amex.

Credit Card

Benefits & Info

The Business Platinum Card® from American Express

Learn More

(at Amex's secure site)

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
$179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
Good to Excellent Credit Recommended (670-850)
Annual Fee: $695
Terms Apply. For rates and fees of the Amex Business Platinum card, click here.

$2,640

Must Reads: For more info on the Amex Business Platinum, see our insights on its benefits, top card FAQ’s and the best airport lounges you can access. Go here for our full review. This is one of several business credit cards from Amex.

Chase Sapphire Reserve Card

Credit Card	Benefits & Info
Chase Sapphire Reserve® Learn More (at Chase's secure site)	Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards® $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards^®. For example, 50,000 points are worth $750 toward travel With Pay Yourself Back^SM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories 1:1 point transfer to leading airline and hotel loyalty programs Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry, TSA PreCheck®, or Nexus Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more Excellent Credit Recommended (740-850) Annual Fee: $550 $1,000 Must Reads: For more on the Chase Sapphire Reserve, see our thoughts on its benefits, global airport lounge access, and travel insurance protection. Take a look here for our full review.

Credit Card

Benefits & Info

Chase Sapphire Reserve®

Learn More

(at Chase's secure site)

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards^®. For example, 50,000 points are worth $750 toward travel
With Pay Yourself Back^SM, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry, TSA PreCheck®, or Nexus
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Excellent Credit Recommended (740-850)
Annual Fee: $550

$1,000

Must Reads: For more on the Chase Sapphire Reserve, see our thoughts on its benefits, global airport lounge access, and travel insurance protection. Take a look here for our full review.

Membership Rewards points can typically be redeemed for 1 cent each, however, with the Amex Business Platinum card, you may receive significantly more potential value when transferring points to travel partners or redeeming for travel via Amex Travel.

Ultimate Rewards points can be redeemed for 1.5 cents each for travel via the Chase travel portal and also have the potential for greater value when transferred to Chase’s airline and hotel partners.

Bottom Line: The Amex Business Platinum card comes with a welcome bonus that can exceed the value of the Chase Sapphire Reserve card bonus. However, the value of the welcome bonus you earn will be based on how points are redeemed. Also, welcome bonuses and point values can vary, so be sure to check current offers and values before applying.

Membership Rewards Points vs. Ultimate Rewards Points

United Polaris Lounge ORD View — Redeeming points for premium travel experiences is a key benefit of having a travel rewards card. United Polaris Lounge Chicago. Image Credit: Chris Hassan

The Amex Business Platinum card earns Membership Rewards points while the Chase Sapphire Reserve card earns Ultimate Rewards points.

It’s difficult to make a determination as to which points are more valuable as value is based on your own personal redemption preference.

You can have confidence, however, that regardless of which card you select, the rewards you earn will be some of the most valuable rewards available.

Let’s look at how the 2 compare when it comes to earning potential and redemption options.

Comparing Earning Potential

Selecting a card that matches your spending profile is a key element to maximizing earnings. Let’s look at how our featured cards earn rewards on the purchases you make.

Card	Earnings
Amex Business Platinum card	5x points on flights and prepaid hotels booked through Amex Travel 2x points on cruises purchased through Amex Travel 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies. 1 point per dollar spent on all other purchases Terms apply
Chase Sapphire Reserve card	10x points Chase dining, hotels, and car rental booked through the Chase Ultimate Rewards portal 10x points on Lyft rides 5x points on airfare booked through the Chase travel portal 3x points on travel and dining worldwide 1x point per dollar spent on all other purchases

Comparing Redemption Options

While the associated rewards programs have differences, there are similarities when it comes to redeeming your points for good value.

Here’s how the cards stack up when you’re ready to redeem your rewards.

Redemption Options	Amex Business Platinum Card	Chase Sapphire Reserve Card
Redeem for travel	Redeem points for 1 cent each via Amex Travel Receive a 35% rebate when using points to book flights via Amex Travel (airline pre-selection required and 500,000 point rebate maximum each year)	Redeem points for 1.5 cents each for travel via the Chase travel portal
Transfer points to travel partners	20+ airline/hotel partners, most transfer 1:1 ratio, small fee applies	10+ airline/hotel partners, 1:1 transfer ratio
Redeem for statement credits	Redeem for statement credits at the rate of 0.6 cents per point	Redeem via Pay Yourself Back at 1.5 cents per point when you redeem them for statement credits against existing purchases in select, rotating categories Redeem points at 1 cent each for statement credit or cash
Other redemption options	Gift cards, Amazon, Uber, and with other shopping partners	Gift cards, Amazon, Apple, and Chase Experiences

The best value for your points in either program is to redeem for travel, but Chase offers another, potentially desirable offer, to redeem points for specific everyday purchases at 1.5 cents per point. This available option, however, is currently temporary.

Bottom Line: You’ll realize the maximum potential redemption value with either Membership Rewards points or Ultimate Rewards points is by redeeming for travel via the associated proprietary travel portals or by transferring rewards points to airline/hotel partners. When we look at redeeming points for statement credits or cash, however, the Chase Sapphire Reserve card is superior.

Worldwide Airport Lounge Access

Amex Centurion Lounge PHX Conference Table — Lounge access can make your travel more comfortable. The Centurion Lounge PHX. Image Credit: James Larounis

You won’t find broader lounge access benefits than that which comes on the Amex Business Platinum card and also on the consumer version of The Platinum Card® from American Express.

The Chase Sapphire Reserve card, however, steps up with its own worldwide lounge access benefit. Its benefit, although not matching that of Amex, still offers access to plenty of lounge properties.

Let’s take a look at the options offered by both cards.

Amex Business Platinum Card

The Amex Business Platinum card offers access to over 1,300 lounge properties worldwide and includes the following networks:

Chase Sapphire Reserve Card

The Chase Sapphire Reserve card comes with Priority Pass Select membership that includes access to over 1,300 properties worldwide.

Bottom Line: Both of our featured cards come with worldwide lounge access. The Amex Business Platinum card, however, has a more expansive lounge network that includes the exclusive Centurion Lounges and Delta Sky Club access. Take a peek at some of the Amex Business Platinum card’s best lounge locations here.

Chase is also launching its own lounges in the near future, and both Chase Sapphire Reserve cardholders and those with a Priority Pass membership will be able to access them.

Statement Credits

Statement credits provide direct economic benefit by reimbursing you for specific purchases.

Here are the statement credits you can expect to see on our featured cards:

Card	Statement Credits
Amex Business Platinum card	Up to $200 airline incidental fee statement credit each calendar year Up to $400 Dell technology purchase statement credit per year Up to $100 for Global Entry or TSA PreCheck fee
Chase Sapphire Reserve card	$300 statement credit for travel purchases per card anniversary year Up to $100 for Global Entry, Nexus, or TSA PreCheck fee Complimentary DoorDash DashPass membership (Activate by 3/21/2022) Up to $120 in statement credits for qualifying Peloton purchases.

Bottom Line: While the Amex Business Platinum card exceeds the Chase Sapphire Reserve card in the number of potential statement credits, the Chase $300 travel credit may be easier to utilize. The better card for statement credits will ultimately be the one that has the most offers you can actually utilize.

Hotel, Airline, and Car Rental Benefits

The Langley, a Luxury Collection Hotel Buckinghamshire — Both of our featured cards come with plenty of hotel program benefits you can use. The Langley, a Luxury Collection Hotel, Buckinghamshire. Image Credit: Marriott

Hotel Program Benefits

Amex Business Platinum Card

With special benefits at 2 unique hotel collections and complimentary hotel elite status in 2 popular programs, the Amex Business Platinum card delivers value cardholders can use at thousands of properties.

Hilton Honors and Marriott Bonvoy Gold elite status upon enrollment
American Express Fine Hotels and Resorts benefits that include:
- Room upgrades when available
- Daily breakfast for 2
- Early check-in/late checkout
- Free Wi-Fi
- Unique local amenity worth $100 or more
The Hotel Collection benefits for 2-night stays or longer
- $100 per room credit to use onsite
- Upgraded room when available

Chase Sapphire Reserve Card

Although the Chase Sapphire Reserve card does not offer hotel program elite status, the card does come with elite-style benefits with several worldwide hotel programs.

Luxury Hotel and Resort Collection benefits that include:
- Local amenity unique to the property, such as dinner, spa, or resort credit, etc.
- Early check-in/late checkout when available
- Upgraded room if available
- Daily breakfast for 2
- Free Wi-Fi
Relais & Châteaux hotel benefits:
- VIP welcome amenity
- Complimentary breakfast
sbe Hotels benefits that include:
- $30 hotel credit
- Fourth-night free
- Complimentary Wi-Fi
- Upgraded room when available
- Free breakfast for 2 or a complimentary beverage
- Late checkout

Bottom Line: Although both cards offer plenty of benefits at various boutique hotel collections, with complimentary Hilton Honors and Marriott Bonvoy Gold elite status, the Amex Business Platinum card edges out the Chase Sapphire Preferred card when we compare hotel program benefits.

Airline Benefits

Amex Business Platinum Card

There are few airline-related perks offered on our featured cards, but the Amex Business Platinum card does offer these associated benefits:

International Airline Program — Enjoy discounted international airfare when purchasing business or first class airline tickets
Upgrade With Points — Upgrade your airline seating using Membership Rewards points
Delta Sky Club Access — Access for cardholders when flying same-day on Delta flights

Chase Sapphire Reserve Card

The Chase Sapphire Reserve card does not offer any airline-related benefits.

Car Rental Program Benefits

Amex Business Platinum Card

National Emerald Club Executive status
Avis Preferred American Express Benefits
Hertz Gold Rewards Benefits

Chase Sapphire Reserve Card

Cardholders receive several car rental program discounts and enhanced benefits such as car upgrades with partner car rental companies including Avis, Dollar, Hertz, and Silvercar. And, although not a specific rental car program benefit, the card also offers complimentary Lyft Pink membership.

Bottom Line: The Amex Business Platinum card comes out ahead of the Chase Sapphire Reserve card when comparing hotel, airline, and rental car program benefits.

Travel Insurance and Protection Benefits

Medical Evacuation Travel Medical Insurance — The travel insurance that comes with your credit card may provide coverage in case of an emergency while traveling. Image Credit: M Cisneros via Reshot

While the travel insurance that comes with your credit card doesn’t replace the need to consider purchasing travel insurance, you will find coverage that can be sufficient for trips that don’t involve a large non-refundable investment.

Here’s how our featured cards compare with the travel insurance coverages offered:

Benefit/Protection	Amex Business Platinum Card	Chase Sapphire Reserve Card
Car rental insurance	Secondary coverage with the option to purchase Premium Protection for 1 low fee that covers the entire rental period	Primary car rental insurance
Trip cancellation and trip interruption	$10,000 per trip, $20,000 maximum per eligible card each 12-month period	$10,000 per trip, $20,000 per incident, $40,000 per 12-month period
Trip delay reimbursement	Up to $500 per trip, maximum 2 claims per 12-month period	Up to $500 per trip for delays over 6 hours or overnight
Baggage insurance	Up to $2,000 per checked bag, $3,000 per carry-on bag for lost, damaged, or stolen baggage; no coverage for delayed baggage	Up to $3,000 per person, per trip for lost, damaged, or stolen baggage, and up to $500 for baggage delayed over 6 hours
Roadside assistance	Premium coverage that includes 4 service calls per year at no cost	Covers up to 4 service calls each year for a maximum of $50 per event
Emergency evacuation	Included with no stated limit via Global Assist Hotline	$100,000 emergency evacuation
Medical/dental coverage	None	$2,500 emergency medical/dental and up to $75 per day, up to 5 days, for related accommodations
Travel assistance services	Premium Global Assist Hotline	Travel and Emergency Services Assistance
Travel accident insurance	Up to $500,000	Up to $1,000,000

Bottom Line: While both cards do a good job of providing travel insurance benefits and protections, the edge goes to the Chase Sapphire Reserve card with primary car rental insurance, baggage delay, and emergency medical/dental. However, if either roadside assistance or having no limit on emergency evacuations is a priority for you, the Amex card does well in those areas compared to the Chase card.

Shopping Benefits and Protections

Extended Warranty

Amex Business Platinum Card — Adds 1 year to manufacturer’s warranties of 5 years or less; maximum of $1,000 per eligible item, up to $50,000 per year
Chase Sapphire Reserve Card — Extends the manufacturer’s warranty of 3 years or less for eligible products purchased with the card for 1 additional year; maximum $10,000 per claim, $50,000 per account

Purchase Protection

Amex Business Platinum Card — coverage for theft, damage, or loss on eligible purchases for 90 days from the purchase date; maximum $10,000 per purchase and $50,000 per card
Chase Sapphire Reserve Card — theft, damage, and accidental parting for 120 days from the date of purchase, up to $10,000 per claim, $50,000 per account

Return Protection

Amex Business Platinum Card — if the merchant will not accept the return within the first 90 days of an eligible item being purchased with your card, you could receive up to $300 per item, up to $1,000 per year
Chase Sapphire Reserve Card — returns not accepted by the merchant within 90 days of purchase could qualify for up to $500 per item, up to $1,000 maximum per year for eligible items

Shopping Offers

In addition to shopping benefits and protections, both Amex and Chase offer statement credits and elevated earnings offers via Amex and Chase Offers.

Amex Offers — sign in to your online Amex card account, scroll down the page, and you’ll find up to 100 Amex offers that can save you money or provide elevated earnings
Chase Offers — although not normally as lucrative as Amex Offers, Chase offers also earn cash-back on specific purchases

Amex Business Platinum Card vs. Chase Sapphire Reserve Card — Summary

While both cards offer premium benefits, respectable earning opportunities, and redemption options, one of these cards may be a better fit for your situation over the other.

Here’s our take on which card might have the edge in each category.

Best for Earning Points— The Chase Sapphire Reserve card appears to be the winner when it comes to earning rewards as it offers more ways to earn. However, if you spend a lot on flights and make large purchases of $5,000 or more, you may do better with the Amex Business Platinum card.
Best for Redemption Options — While both cards offer the potential for excellent value when redeeming points for travel, the Chase Sapphire Reserve card offers the additional option of redeeming points for cash-back at 1 cent per point and a temporary option to redeem toward specific everyday purchases for 1.5 cents per point.
Best for Statement Credits — The Amex Business Platinum card offers more statement credits than the Chase Sapphire Reserve card but the $300 travel credit on the Chase card may be easier to earn.
Best for Worldwide Lounge Access — The Amex Business Platinum card offers greater lounge access options with access to Centurion Lounges and the Delta Sky Club in addition to Priority Pass options also offered by the Chase Sapphire Reserve card.
Best for Travel Insurance and Protections —With primary car rental coverage, better baggage insurance, ancillary medical/dental coverage, and $1,000,000 travel accident insurance, the slight edge goes to the Chase Sapphire Reserve card. The Amex card, however, offers excellent evacuation insurance and complimentary roadside assistance.
Best for Shopping Benefits — Both cards offer similar shopping benefits and protections.

Keep in mind that this summary is just an overview — the actual value you receive will vary based on your priorities. The better card will be the one that fits your situation. Also, we have not included every benefit offered on each card, only core benefits that provide the most value.

Final Thoughts

Both of our featured cards offer excellent earning and redemption options, worldwide lounge access, and plenty of travel and shopping benefits.

The best card for you will be the one that best matches your spending and redemption goals and offers benefits that will deliver value.

If you’re a business traveler who travels internationally, the Amex Business Platinum card could provide plenty of value. If your travel is more of a personal nature but you still want premium travel benefits, the Chase Sapphire Reserve may work for you.

In the end, you won’t go wrong with either of these premium card options.

For rates and fees of The Business Platinum Card® from American Express, click here.

Featured Image Credit: Alexas_Fotos via Pexels

Frequently asked questions

Which card is better, the Amex Business Platinum card or the Chase Sapphire Reserve card?

The best card for you will be the card that matches your situation. If you need a business credit card to keep business expenses separate from personal expenses, you’ll want a business credit card, and the Amex Business Platinum card is a good choice.

If your spending is more personal but you want travel benefits, the Chase Sapphire Reserve may be a better match.

If you need to select just 1 card, select the card that rewards your greatest spending, has benefits you can use, and offers you value at redemption time.

Which rewards are better, Membership Rewards points or Ultimate Rewards points?

Both Membership Rewards points and Ultimate Rewards points have tremendous value due to their flexibility at redemption time.

When redeemed for travel via Amex Travel, Membership Rewards points are worth 1 cent each, but point redemptions with the Amex Business Platinum card also receive a 35% rebate. Ultimate Rewards points redeemed for travel via the Chase travel portal receive 1.5 cents each in value.

Both rewards have the potential for greater value when transferred to travel partner loyalty programs.

Ultimate Rewards points may also be redeemed for statement credits and cash-back at 1 cent per point. Membership Rewards points may not be redeemed for cash but receive 0.6 cents in value when redeemed for statement credits.

Does the Amex Business Platinum card get Uber credits?

No. Credits towards Uber purchases are a benefit of the personal consumer Amex Platinum card.

Does the Amex Business Platinum card have primary car rental insurance?

No, the Amex Business Platinum card comes with secondary car rental insurance which means you must first file a claim with any other insurance that applies to the loss.

However, cardholders have the option to purchase Premium Protection for just 1 low fee ($12.95 to $24.95) that covers the entire rental period. This can be a significant savings over per-day fees that the rental car agency may charge.

Can a business credit card be used for personal purchases?

Technically, yes. However, it is not prudent to do so. Keeping business and personal purchases separate is crucial to an effective business operation and can make tax time easier.

Additionally, credit card terms and conditions may state that the card must be used for business purchases only. Business cards may also offer card protections (such as maximum interest rates, etc.) that only apply to business purchases.

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About Christine Krzyszton

Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location. Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

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Featured Cards

Business Card vs. Personal Card

The Value of a Welcome Bonus

Amex Business Platinum Card

Chase Sapphire Reserve Card

Membership Rewards Points vs. Ultimate Rewards Points

Comparing Earning Potential

Comparing Redemption Options

Worldwide Airport Lounge Access

Amex Business Platinum Card

Chase Sapphire Reserve Card

Statement Credits

Hotel, Airline, and Car Rental Benefits

Hotel Program Benefits

Amex Business Platinum Card

Chase Sapphire Reserve Card

Airline Benefits

Amex Business Platinum Card

Chase Sapphire Reserve Card

Car Rental Program Benefits

Amex Business Platinum Card

Chase Sapphire Reserve Card

Travel Insurance and Protection Benefits

Shopping Benefits and Protections

Extended Warranty

Purchase Protection

Return Protection

Shopping Offers

Amex Business Platinum Card vs. Chase Sapphire Reserve Card — Summary

Final Thoughts

Frequently asked questions

Which card is better, the Amex Business Platinum card or the Chase Sapphire Reserve card?

Which rewards are better, Membership Rewards points or Ultimate Rewards points?

Does the Amex Business Platinum card get Uber credits?

Does the Amex Business Platinum card have primary car rental insurance?

Can a business credit card be used for personal purchases?

About Christine Krzyszton

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