If you’re into commodities trading, then you know that platinum is nearly as valuable as gold. Credit card issuers love to attach the platinum moniker to their premium rewards cards, in the hopes that customers will find them to be equally valuable.
But is a card any better just because it includes “platinum” in its name? Let’s take a look at the business credit cards labeled platinum, and see if any of them are right for you:
The Business Platinum Card® from American Express
When most people talk about the “platinum card,” this is the one that they’re referring to. Limited Time Travel Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases on your Business Platinum Card® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25. Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points for each dollar you spend on eligible purchases.
Benefits include access to over 1,000 airport lounges that are part of the Delta SkyClub, Priority Pass Select (enrollment required) and American Express Centurion networks. You also receive a $200 annual airline fee credit, a $120 credit toward the Global Entry application fee, and a 35% rebate on points redeemed towards eligible first and business class tickets purchased through American Express Travel. There’s a $695 annual fee for this card, and if you’re worried about foreign transaction fees, there are None.
Earn elite status membership and premium perks for business travel.
Pros
- Access to multiple airport business lounges, $200 annual airline fee credits, elite status with hotel and rental car programs, and strong purchase protection policies
- This card also earns points in Amex’s excellent Membership Rewards program.
Cons
- This card has a steep annual fee.
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Welcome Offer
Delta SkyMiles® Platinum Business American Express Card
This card is designed to offer benefits to those who travel frequently with Delta Airlines. Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership..
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply.
Benefits when flying Delta include a free checked bag, priority boarding and a 20% savings on in-flight food and beverage purchases. There’s a $350 annual fee for this card, and no foreign transaction fees.
Delta SkyMiles® Platinum Business American Express Card
A great card for business travelers who are loyal Delta flyers. Generous welcome offer and access to next-level travel perks for you and your employees.
Pros
- Amazing limited time offer! Perks when flying with Delta
- Makes it easier to earn Medallion elite status.
Cons
- High annual fee
- Delta SkyMiles are not worth as much as other airline miles.
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Welcome Offer
Wells Fargo Business Platinum Credit Card
This small business credit card is designed for companies with annual sales of up to $2 million. Once approved, you’ll receive a credit line of up to $50,000 and you can earn your choice of cash-back or reward points. If you choose cash back, you earn 1.5% on all of your purchases, which is credited to your account or to your eligible checking or savings account each quarter.
If you choose rewards points, then you’ll earn one point per dollar spent and 1,000 bonus points when your company spend reaches $1,000 in any monthly billing period. Points can be redeemed for gift cards, merchandise, airline tickets and other rewards, plus you get a 10% bonus when you redeem points online. There’s no annual fee for this card, and no foreign transaction fees.
*All information about the Wells Fargo Business Platinum Credit Card credit card has been collected independently by Nav. This card is not currently available through Nav. To see what business credit cards are available, please visit Nav's credit card marketplace.
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Jason Steele
As one of the nation's leading experts in credit cards award travel, Jason Steele has been published in over 100 outlets. His articles are regularly syndicated to Yahoo! Finance, MSN Money and other mainstream outlets. Jason is also the founder of CardCon, which is the annual conference for credit card and consumer credit media.