The Business Platinum Card from American Express vs Chase Ink Business Preferred: sign-up bonus comparison (Oct 2026)

The Business Platinum Card from American Express: As high as 300,000 points after $20,000 spend in 3 months (offer varies) ($895 annual fee). Chase Ink Business Preferred: 100,000 points after $8,000 spend in 3 months ($95 annual fee). Chase Ink Business Preferred needs less spending to earn its bonus. The Business Platinum Card from American Express is closer to its all-time high right now (at its all-time high (elevated right now)). Data checked 2026-10-19; the right pick depends on which rewards you'll use and whether you can meet the spend with normal purchases.

By Tyler Kelly · Updated

The Business Platinum Card from American ExpressChase Ink Business Preferred
IssuerAmerican ExpressChase
TypeBusinessBusiness
Current offerAs high as 300,000 points after $20,000 spend in 3 months (offer varies)100,000 points after $8,000 spend in 3 months
Minimum spend$20,000 in 3 months$8,000 in 3 months
Annual fee$895$95
EarnsMembership Rewards pointsUltimate Rewards points
All-time highAs high as 300,000 points (current; 250,000-300,000 via YMMV links since Sep 2025) per Amex's offer terms and Doctor of Credit120,000 points after $8,000 (Jul-Sep 2024); a 160,000 offer (May-Nov 2021) was in-branch only
vs. recordBusiness AT RECORDBusiness 83% of record
Issuer rulesAmex once-per-lifetimeChase 5/24, Ink Preferred 'ever had' language
VerifiedNot fully, 2026-10-19Yes, 2026-10-19
ApplyAmerican Express siteChase site

Frequently asked questions

Which has the bigger bonus, The Business Platinum Card from American Express or Chase Ink Business Preferred?

The Business Platinum Card from American Express: As high as 300,000 points after $20,000 spend in 3 months (offer varies). Chase Ink Business Preferred: 100,000 points after $8,000 spend in 3 months. They earn different currencies (Membership Rewards points vs Ultimate Rewards points), so compare by how you'd redeem them.

Which bonus is easier to earn?

Chase Ink Business Preferred has the lower spend requirement.

Can I get both?

Possibly, if you meet each issuer's rules: The Business Platinum Card from American Express: Amex once-per-lifetime; Chase Ink Business Preferred: Chase 5/24, Ink Preferred 'ever had' language.

Can I afford the minimum spend? → · How long to wait between bonuses

Bonus history: The Business Platinum Card from American Express · Chase Ink Business Preferred

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