What credit score do I need for the Ink Business Premier card?

You will need an excellent credit score, typically 740 or above, to be considered for the Ink Business Premier card.

Can I transfer points earned on the Ink Business Premier card to airline programs?

No. The Ink Business Premier card earns points that can be redeemed for cash-back, travel via the Chase travel portal, statement credits, gift cards, and shopping with Amazon, and PayPal. Points cannot be transferred to other Chase cards or to airline or hotel loyalty programs.

Does the Ink Business Premier card have cell phone protection?

Yes, the Ink Business Premier card offers cell phone protection. Pay your monthly bill, and those of your employees, with your card and receive coverage for damage or theft up to $1,000 per claim with a limit of 3 claims per 12-month period. Each claim is subject to a $100 deductible.

Ink Business Premier vs. Amex Business Platinum Card [2023]

Q: Which card is better, the Ink Business Premier card or the Amex Business Platinum card?

The better card for your business will depend on your priorities. If earning cash-back works well for your business, the Ink Business Premier card has a robust earning structure that can fit that requirement. If you value premium travel benefits and flexible travel redemption options that can provide greater potential value, the Amex Business Platinum card has much more to offer. While the Amex Business Platinum card has a higher annual fee, it offers hundreds of dollars in statement credits that, if used, can provide value that can exceed the cost of the annual fee.

If you’re taking the time to read this article, chances are you’re a business owner who understands the value of a business credit card for managing your business operation. You probably already know the value of keeping personal and business purchases separated, managing the purchases of your employees, and simplifying accounting at tax time.

But selecting the right business credit card for your specific operation can take some research.

Our comparison today looks at 2 excellent business credit card choices: the New Business Card! Ink Business Premier℠ Credit Card and The Business Platinum Card® from American Express.

Both cards can help you manage your business operations, but since the cards have different earning structures, redemption options, and additional protections and benefits, one may fit your business situation better than the other.

All of the factors that can influence your card decision deserve a closer look, and that’s what we’ve prepared for you today. Here’s how the cards compare.

Table of contents

Ink Business Premier Card vs. Amex Business Platinum Card — Overview
The Value of a Welcome Offer
Earning and Redemption Options
- Earning
- Redemption Options
Travel Protections and Benefits
- Ink Business Premier Card
- Amex Business Platinum Card
Shopping Protections and Benefits
- Ink Business Premier Card
- Amex Business Platinum Card
Annual Fees and Authorized Users
Final Thoughts

Table of Contents

Ink Business Premier Card vs. Amex Business Platinum Card — Overview
The Value of a Welcome Offer
Earning and Redemption Options
- Earning
- Redemption Options
Travel Protections and Benefits
- Ink Business Premier Card
- Amex Business Platinum Card
Shopping Protections and Benefits
- Ink Business Premier Card
- Amex Business Platinum Card
Annual Fees and Authorized Users
Final Thoughts

Ink Business Premier Card vs. Amex Business Platinum Card — Overview

We’ll get into the details of the individual benefits of the Ink Business Premier card and Amex Business Platinum card shortly, but first, let’s look at a high-level comparison of our featured cards.

Note that some benefits requirement enrollment so be sure to check your account portal to get the most out of your card’s benefits.

	New Business Card! Ink Business Premier℠ Credit Card	The Business Platinum Card® from American Express
Welcome Offer	Earn $1,000 cash-back after you spend $10,000 on purchases in the first 3 months.	Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
Earning	5% cash-back on travel via the Chase travel portal 2.5% cash-back on all purchases of $5,000 or more 2% cash-back on all other purchases	5x points on flights and prepaid hotels via Amex Travel 1.5x points on select business category purchases and on all purchases of $5,000 or more, up to $2 million dollars in purchases each year 1x points on all other purchases
Redemption Options	Travel via the Chase travel portal Cash-back Gift cards, online shopping, PayPal, Amazon	Redeem for travel via Amex Travel Transfer points to airline and hotel partners to redeem for award flights and hotel nights Bid for flight upgrades Statement credits, gift cards, shopping at select shopping partners
Travel Protections and Benefits	Primary car rental insurance Trip cancellation, trip interruption, and trip delay insurance Lost luggage and baggage delay insurance Roadside Dispatch Travel and emergency assistance services Luxury Hotel Collection benefits Visa Signature Concierge	Secondary rental car insurance with access to Premium Protection Trip cancellation and interruption insurance Trip delay reimbursement Lost luggage insurance Access to the American Express Global Lounge Collection Up to $200 airline incidental fees credit Up to $189 CLEAR credit Up to $100 Global Entry or up to $85 TSA PreCheck application fee statement credit 35% points rebate for booking eligible flights with points via Amex Travel Fine Hotels + Resorts and The Hotel Collection benefits and up to $200 in statement credits Hotel and rental car program elite status and perks Premium Global Assist Hotline with emergency evacuation and access to the Business Platinum Concierge
Shopping Protections and Benefits	Purchase protection, extended warranty No foreign transaction fees Chase Offers Shop through Chase	Return protection, purchase protection, extended warranty No foreign transaction fees (rates and fees) Cell phone protection Up to $400 in Dell credits Up to $350 in Indeed credits Up to $150 in Adobe credits Up to $120 in wireless credits Amex Offers No preset spending limit
Annual Fee and Authorized Users	Annual fee of $195 No charge to add employee cards	Annual fee of $695 (rates and fees) $350 annual fee per employee card (rates and fees)

The Value of a Welcome Offer

Immediately after you’re approved for either the Ink Business Premier card or the Amex Business Platinum card, you’ll have an opportunity to earn a welcome bonus. Just meet the specific minimum spending requirement within the allotted period and you’ll jumpstart your rewards earning.

Here are the current welcome offers for each card.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 150,000 points with the Amex Business Platinum card! (The current public offer is 120,000 points.)

Bottom Line: Both the Ink Business Premier card and Amex Business Platinum card have welcome bonuses you can earn after card approval. These welcome bonus offers fluctuate but you can count on earning a significant amount of rewards after meeting minimum spending requirements in the specified period following card approval.

Earning and Redemption Options

Passenger connects on Delta domestic first class — Both of our featured cards earn rewards on travel purchases and allow you to redeem rewards for travel. Image Credit: Delta

The Ink Business Premier card is marketed as a cash-back earning card but earns rewards initially in the form of points that can be redeemed for cash-back. The Amex Business Platinum card earns flexible Membership Rewards points.

Earning levels differ for each card depending on the spending category and the amount of the purchase.

Let’s review how you can expect to earn rewards on either of our featured cards.

Earning

Regardless of the size of your business, earning rewards on every purchase your business makes can bring value to your bottom line.

Both the Ink Business Premier card and Amex Business Platinum card earn well on travel via each card’s proprietary travel portal, have bonus earnings for purchases of $5,000 or more, and offer flat-rate earnings on all other purchases.

Here’s how you’ll earn rewards on each card:

Earning Category	Ink Business Premier Card	Amex Business Platinum Card
Travel	5% cash-back on travel via the Chase travel portal	5x points on flights and prepaid hotels via Amex Travel
All Other Purchases	2.5% cash-back on all purchases of $5,000 or more 2% cash-back on all other purchases	1.5x points on select business purchases and purchases of $5,000 or more in all other categories 1x points on all other purchases

If your business makes a lot of large purchases, earning 2.5% cash-back with the Ink Business Premier card can be beneficial, plus you’ll also earn 2% cash-back on all other purchases. In the earnings category, the Ink Business Premier card appears to be the best card overall.

The Amex Business Platinum earns 1.5x points on key business categories. These categories include U.S. construction material and hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers.

Yet earnings are just one factor to consider when determining the value of a card. Let’s continue to look at redemption options and benefits for the whole picture.

Bottom Line: Both the Ink Business Premier card and Amex Business Platinum card earn well on travel purchased via their respective travel portals. The Ink Business Premier card has much greater earnings on purchases of $5,000 or more and on all other purchases.

Redemption Options

Once you’ve accumulated a sufficient amount of rewards, you’ll be interested in your options at redemption time.

The Ink Business Premier card offers options that result in 1 cent in value per point. However, the Amex Business Platinum card offers options that can result in significantly more value.

Here are your choices when it’s time to redeem your rewards:

Redemption Option

Ink Business Premier Card

Amex Business Platinum Card

Travel

Redeem points for travel via the Chase travel portal for 1 cent each

Redeem points for flights via Amex Travel for 1 cent each
Transfer points to airline and hotel partners for potentially greater value
Receive a 35% Pay With Points rebate for flights booked with your pre-selected airline or premium flights booked with any airline when booked through Amex Travel (up to 1,000,000 points per year)
Bid for flight upgrades

Additional Redemption Options

Cash-back, gift cards, shop with Amazon, PayPal

Statement credits, gift cards, Amazon, Uber, Ticketmaster, and select shopping partners

While the Ink Business Premier card has a better earning structure, the Amex Business Platinum card earns flexible rewards that can be redeemed for potentially greater value.

To illustrate, let’s assume you were to spend $50,000 on everyday business purchases with the Ink Business Premier card. With all purchases under $5,000 each, you would earn $1,000 in value. That same $50,000 in purchases on the Amex Business Platinum card would earn 50,000 Membership Rewards points that could potentially be redeemed for $1,100 in value (assuming a 2.2 cent value for each point).

The card that is better for you will depend on which is more important to your business — cash-back or travel.

Still, earning and redemption options don’t entirely illustrate the value of each card to your business. Protections and benefits can offer additional value that may be important to you.

Bottom Line: The Ink Business Premier card has limited flat-rate redemption options. The Amex Business Platinum card earns flexible rewards that can be redeemed for flights or transferred to airline and hotel partners for greater potential value. You’ll receive a 35% rebate when redeeming points for qualifying flights via Amex Travel.

Travel Protections and Benefits

Man with laptop and briefcase — If your business involves travel, you may find value in complimentary travel protections and benefits. Image Credit: nappy via Pexels

Travel protections can provide assistance when things go wrong during your trip and offer peace of mind that you’ll have coverage for additional expenses. Travel benefits can make your trip more comfortable with elite-style benefits, providing credits for purchasing expedited airport security and offsetting the cost of travel in general.

We’ll expand on the details shortly, but first let’s look at a summary of the travel protections and benefits you’ll find on the Ink Business Premier card and the Amex Business Platinum card:

Benefit	Ink Business Premier Card	Amex Business Platinum Card
Car Rental Insurance	Primary coverage	Secondary coverage with the option to purchase Premium Protection
Trip Cancellation, Trip Interruption, Trip Delay Insurance	Up to $5,000 reimbursement per covered trip for trip cancellation or trip interruption If a covered trip is delayed more than 12 hours or overnight, up to $500 per trip	$10,000 per covered trip, $20,000 per card per 12-month period for trip cancellation or trip interruption If a covered trip is delayed more than 6 hours, up to $500 per trip, a limit of 2 claims per 12-month period
Baggage Insurance	Up to $3,000 for carry-on, $2,000 for checked bags If bags are delayed more than 6 hours, up to $100 per day for 5 days for covered incidentals	Up to $3,000 for carry-on, $2,000 for checked bags
Roadside Assistance	Roadside Dispatch for 1 low price, includes standard winching, limited towing, changing of an inflated spare flat tire, emergency fuel, lockout service, and jump-start	None
Worldwide Lounge Access	None	Complimentary access to over 1,400 lounge properties worldwide
Statement Credits	None	Up to $200 airline fee credit Up to $189 CLEAR credit Up to $100 Global Entry or up to $85 TSA PreCheck application fee reimbursement statement credit
Luxury Hotel Program Benefits	Visa Signature elite-style benefits with the Chase Luxury Hotel & Resort Collection	Fine Hotels & Resorts and The Hotel Collection benefits Up to $200 hotel credit each year
Hotel, Flight, and Car Rental Program Benefits	Visa Signature discounts and perks with Avis, Budget, and Audi on demand	Hilton Honors and Marriott Bonvoy Gold elite status 35% Rebate for Pay With Points Flights Discounts, perks, and status with Avis, Hertz, and National
Concierge Service and Travel Assistance	Visa Signature Concierge Travel and Emergency Assistance Services	Global Premium Assist Hotline with Business Platinum Concierge and evacuation coverage
Additional Benefits	No foreign transaction fees

There are certain protections and benefits that you’ll find on both the Ink Business Premier card and the Amex Business Platinum card. Here are the key benefits both cards have in common.

Car Rental Insurance — Use either of our featured cards to reserve and pay for your car rental, decline the rental agency’s CDW/LDW coverage, and receive coverage for theft and damage. The Ink Business Premier card comes with primary car rental insurance for business rentals and rentals outside the U.S., which means you do not have to file a claim with any other applicable insurance before card coverage kicks in. The Amex Business Platinum card comes with secondary coverage, requiring you to file a claim first with any other insurance that may apply. However, you can purchase Premium Protection for 1 low fee (as low as $12.25) that covers the entire rental period of up to 42 consecutive days.
Trip Cancellation, Trip Interruption Insurance — Pay for your trip with your Ink Business Premier card and receive up to $5,000 reimbursement per covered trip for eligible prepaid non-refundable expenses when your trip needs to be canceled or is interrupted due to a covered reason. Pay for the entire cost of the trip transportation with your Amex Business Platinum card and you could receive up to $10,000 per covered trip, up to $20,000 per card per 12-month period.
Trip Delay Coverage — Pay for a portion of your trip with your Ink Business Premier card and if your trip is delayed more than 12 hours or overnight you could receive up to $500 per trip. With the Amex Business Platinum card, pay for your entire trip with your card and if your trip is delayed 6 hours or more, you could receive up to $500 per trip, with a limit of 2 claims per 12-month period.
Concierge Service — If you need assistance booking a hard-to-secure restaurant reservation, finding the perfect last-minute gift, or even arranging transportation, the Ink Business Premier card Visa Signature Concierge or the Amex Business Platinum card Concierge may be able to help (available via the Global Premium Assist Hotline).
No Foreign Transaction Fees — Both of our featured cards travel well with neither charging foreign transaction fees

In addition to the above protections and benefits, each of our featured cards has its own unique set of benefits.

Ink Business Premier Card

Roadside Assistance — With Roadside Dispatch you can receive help 24/7 and pay just 1 low price for a service call that can include limited towing, standard winching, lockout service, tire changing of an inflated spare, emergency fuel, and jumpstart service.
Rental Car Program Benefits — Receive up to a 25% discount on Avis and Budget, waived additional driver fees, a 15% discount on Audi on demand, and more.
Luxury Hotel & Resort Collection Benefits — Enjoy daily breakfast for 2, an upgraded room when available, free Wi-Fi, early check-in/late checkout when available, and a unique on-site amenity with every stay.

Amex Business Platinum Card

Worldwide Airport Lounge Access — Enjoy complimentary access to over 1,400 airport lounges worldwide, including prestigious Centurion Lounges, Priority Pass lounges, Delta Sky Clubs (when flying Delta), select Lufthansa Lounges (when flying Lufthansa Group), and more.
Airline Incidentals Credit — Receive up to $200 in statement credits each calendar year when you charge airline incidental fees to your card.
CLEAR Credit — Pay for your CLEAR application or renewal fee with your card and receive reimbursement of up to $189 as a statement credit.
35% Rebate for Pay With Points Flights — Book a flight with your preselected airline or any premium economy, business, or first-class fare with any airline, pay with Membership Rewards points, and receive a 35% point rebate. The maximum rebate amount is 1,000,000 points per year.
Fine Hotels & Resorts and The Hotel Collection Benefits — Receive up to $200 in statement credits and elite-style benefits such as complimentary breakfast, onsite amenities, upgraded room when available, early check-in/late checkout, and more when you book a qualifying stay.
Hotel Program Elite Status — Enjoy Gold status with Hilton Honors and Gold Elite status with Marriott Bonvoy hotel loyalty programs. Registration is required.
Car Rental Program Benefits — Receive discounts, perks, and status with Avis, Hertz, and National.
Premium Global Assist Hotline — The hotline offers assistance 24/7 when your trip is disrupted. Receive help arranging emergency transportation, medical and legal referrals, or assistance replacing a lost passport. Premium benefits also include valuable emergency medical evacuation coverage.

Bottom Line: The Amex Business Platinum card has considerably more travel protections and benefits than the Ink Business Premier card, although the card does charge a higher annual fee. However, worldwide lounge access plus hundreds of dollars in statement credits for airline incidental fees, CLEAR membership credits, hotel statement credits, and points rebates could add enough value to offset that fee.

Shopping Protections and Benefits

Cell phone — Shopping protections and benefits can save money and provide protection when you need it. Image Credit: Markus Winkler via Unsplash

Shopping protections can help if an eligible item you purchase with your card becomes damaged or is stolen. Shopping benefits can save you money or offer greater reward-earning opportunities on purchases you make with your card.

Here are the shopping protections and benefits you’ll find on both the Ink Business Premier card and the Amex Business Platinum card:

Cell Phone Protection — Pay your monthly cell phone bill, and those of your employees, with your card and receive protection for damage or theft. With the Ink Business Premier card, coverage is limited to $1,000 per claim, a limit of 3 claims per 12-month period, and each claim is subject to a $100 deductible. With the Amex Business Platinum card, you could receive up to $800 per claim with a limit of 2 claims per 12-month period. Each claim is subject to a $50 deductible.
Purchase Protection — Eligible items purchased with either card receive coverage for damage or theft for 120 days from the purchase date. Coverage is limited to $10,000 per item, up to $50,000 per account.
Extended Warranty — Eligible items purchased with either of our featured cards may qualify for extended warranty protection. The Ink Business Premier card extends warranties for 1 additional year for eligible items that have manufacturer’s warranties of 3 years or less. The Amex Business Platinum card provides an additional 2 years for items with U.S. manufacturer’s warranties of 5 years or less.
No Foreign Transaction Fees — Both of our featured cards travel well as neither charges foreign transaction fees.

In addition to the above shopping protections and benefits, each card offers its own select shopping perks:

Ink Business Premier Card

Chase Offers — Login to your online Chase card account, select your desired Chase Offers, and earn additional cash-back on purchases made with specific retailers and service providers.
Shop through Chase — Before shopping online, you’ll want to visit Shop through Chase for extra rewards-earning offers.

Amex Business Platinum Card

Return Protection — If an eligible item purchased with your card is not accepted for return by the selling merchant within 90 days of the purchase date, you could receive up to $300 per item, up to $1,000 per year.
Dell Credits — Receive up to $200 in statement credits for the period from January through June and an additional $200 from July through December in statement credits for purchases with Dell Technologies.

Hot Tip: Since Dell is an electronics retailer, you could earn 1.5x points on Dell purchases as well as receive a statement credit for up to $200 each year, as noted above.

Indeed Credit — Receive up to $90 each quarter in statement credits, up to $360 each year, when you use your card for purchases with the employment website Indeed.
Adobe Credit — Use your card for an eligible purchase or subscription and receive up to $150 each year in statement credits. Enrollment is required.
$120 Annual Wireless Credit — Each month you can receive up to $10 in statement credits when you make a payment on your U.S. wireless provider phone bill with your card.
Amex Offers — Login to your online card account, scroll down, and select offers to add to your card from up to 100 retailers and service providers. You’ll earn extra Membership Rewards points or statement credits for select purchases.
No Preset Spending Limit — It can be helpful in months of low cash flow to utilize the benefit of not having a preset spending limit on your card.

Bottom Line: Both the Ink Business Premier card and Amex Business Platinum card come with shopping protections and benefits such as cell phone protection, purchase protection, and extended warranty protection. The Amex Business Platinum card, however, offers return protection plus statement credits for Dell, Indeed, Adobe, and wireless expenses that can add greater value if your business can use these benefits.

Annual Fees and Authorized Users

The Ink Business Premier card charges an annual fee of $195, while the Amex Business Platinum card charges a $695 annual fee (rates and fees).

There is no cost to add authorized users to your Ink Business Premier card. Additional users receive their own card and share in travel benefits including cell phone protection when their bill is paid for with the card.

The Amex Business Platinum card charges $350 for each authorized Amex Business Platinum card user (rates and fees). The additional user will receive their own card, worldwide lounge access, Global Entry or TSA PreCheck fee reimbursement, and hotel and car rental elite status benefits. Additionally, you can add Gold card authorized users for $45 each, and Green card authorized users at no charge (rates and fees).

Final Thoughts

If premium travel benefits are not a priority and cash-back works better for your business, the Ink Business Premier card could be a decent choice.

If your business involves travel, even occasional travel, you may find greater value with the Amex Business Platinum card. We like the idea of earning flexible rewards that can give you options at redemption time and have the opportunity for potentially greater value than a fixed rate of just 1 cent each.

The value of protections and benefits is also a factor in comparing these featured cards, as the Amex Business Platinum card offers a better collection that includes worldwide lounge access, hundreds of dollars in statement credits, and hotel and car rental elite benefits and discounts. You will, however, pay a higher annual fee for the card.

Deciding between the 2 cards should not be difficult as earning, redemption, and benefit offerings for each card are so different. The better card for your business can easily be based on your preferences and which one delivers more bottom-line value.

For the car rental collision damage coverage benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation and interruption insurance and trip delay insurance benefits of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the baggage insurance plan benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the extended warranty and purchase protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the cell phone protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. For the return protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. For the Premium Global Assist Hotline benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, card members may be responsible for the costs charged by third-party service providers.

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

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Ink Business Premier Card vs. Amex Business Platinum Card [Detailed Comparison]

Ink Business Premier Card vs. Amex Business Platinum Card — Overview

The Value of a Welcome Offer

Earning and Redemption Options

Earning

Redemption Options

Travel Protections and Benefits

Ink Business Premier Card

Amex Business Platinum Card

Shopping Protections and Benefits

Ink Business Premier Card

Amex Business Platinum Card

Annual Fees and Authorized Users

Final Thoughts

Frequently asked questions

Which card is better, the Ink Business Premier card or the Amex Business Platinum card?

What credit score do I need for the Ink Business Premier card?

Can I transfer points earned on the Ink Business Premier card to airline programs?

Does the Ink Business Premier card have cell phone protection?

About Christine Krzyszton

Any thoughts or questions? Comment below! Cancel reply

Advertiser Disclosure

Ink Business Premier Card vs. Amex Business Platinum Card — Overview

The Value of a Welcome Offer

Earning and Redemption Options

Earning

Redemption Options

Travel Protections and Benefits

Ink Business Premier Card

Amex Business Platinum Card

Shopping Protections and Benefits

Ink Business Premier Card

Amex Business Platinum Card

Annual Fees and Authorized Users

Final Thoughts

Frequently asked questions

Which card is better, the Ink Business Premier card or the Amex Business Platinum card?

What credit score do I need for the Ink Business Premier card?

Can I transfer points earned on the Ink Business Premier card to airline programs?

Does the Ink Business Premier card have cell phone protection?

About Christine Krzyszton

Any thoughts or questions? Comment below! Cancel reply

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Advertiser Disclosure