{"id":215237,"date":"2025-07-04T18:00:29","date_gmt":"2025-07-04T18:00:29","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=215237\/"},"modified":"2026-04-08T14:18:40","modified_gmt":"2026-04-08T14:18:40","slug":"sapphire-reserve-business-vs-amex-business-platinum","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/sapphire-reserve-business-vs-amex-business-platinum\/","title":{"rendered":"Sapphire Reserve Business vs. Business Platinum: Which Card Offers Better Value for Your Business?"},"content":{"rendered":"<p>The target market for high-end business credit cards isn\u2019t individuals looking to squeeze every last cent out of statement credits to offset an annual fee. Instead, these cards are built for organizations that value premium benefits, luxury perks, and strong rewards on high-volume spending.<\/p>\n<p>If that sounds like you, there are some excellent options to choose from. Two notable ones are the <a data-ccid=\"5048384\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" rel=\"noopener nofollow sponsored\">Sapphire Reserve for Business\u2120<\/a>  (<a data-ccid=\"5048384\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1833067.10005328&type=3&u1=165cd9c38bb36d94714f1b9339ff6b75&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) and <a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/a>.<\/p>\n<p>Here\u2019s a side-by-side comparison of these two high-annual-fee business cards to help you determine which one delivers more value for your business.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/42f36a84-370d-4140-94a9-87f97a0dde86.png\" width=\"150\" alt=\"Sapphire Reserve for Business\u2120\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Sapphire Reserve for Business\u2120<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Sapphire Reserve for Business\u2120' data-ccid=\"5048384\" data-exit=\"ccw\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$795<span class=\"compare-terms\"><a data-ccid=\"5048384\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1833067.10005328&type=3&u1=165cd9c38bb36d94714f1b9339ff6b75&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>8X points on all Chase Travel\u2120 purchases<\/li>\r\n<li>5X total points on eligible Lyft rides through 9\/30\/2027<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on advertising purchases made with social media platforms and search engines<\/li>\r\n<li>1 point per dollar on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/19ca7b53-f41c-4639-ba3b-c44c7c44ba6f.png\"  width=\"150\" alt=\"The Business Platinum Card\u00ae from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/div><div class=\"compare-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 300,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='The Business Platinum Card\u00ae from American Express' data-ccid=\"4028096\" data-exit=\"ccw\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$895<span class=\"compare-terms\"><a data-ccid=\"4028096\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/business-platinum-charge-card\/42732-AJTnC-0?rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>Earn 5X points on flights and prepaid hotels on AmexTravel.com.<\/li>\r\n<li>Earn 2X points on each eligible purchase of $5,000 or more.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. shipping providers.<\/li>\r\n<li>2X earning rates are subject to a cap of $2 million in purchases per calendar year.<\/li><\/ul><\/div><\/div><\/div>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What_to_Consider_Before_Applying_for_the_Sapphire_Reserve_Business_or_Business_Platinum_Card\">What to Consider Before Applying for the Sapphire Reserve Business or Business Platinum Card<\/a><\/li><li><a href=\"#Which_Premium_Business_Card_Offers_More_Value\">Which Premium Business Card Offers More Value?<\/a><ul><li><a href=\"#Statement_credits\">Statement credits<\/a><\/li><li><a href=\"#Earning_rates\">Earning rates<\/a><\/li><li><a href=\"#Airport_lounge_access\">Airport lounge access<\/a><\/li><\/ul><\/li><li><a href=\"#Unlock_More_Value_With_a_Lower-Annual-Fee_Business_Card\">Unlock More Value With a Lower-Annual-Fee Business Card<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"What_to_Consider_Before_Applying_for_the_Sapphire_Reserve_Business_or_Business_Platinum_Card\">What to Consider Before Applying for the Sapphire Reserve Business or Business Platinum Card<\/span><\/h2>\n<p>On the surface, the <a data-ccid=\"5048384\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" rel=\"noopener nofollow sponsored\">Sapphire Reserve Business<\/a> and <a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Business Platinum Card<\/a> seem like very different cards. But in many ways, they\u2019re quite similar.<\/p>\n<p>Both charge a high annual fee, feature lucrative sign-up bonuses, come loaded with statement credits and a wide range of travel perks, and offer bonus points on select types of spending \u2014 while offering little for everyday, non-bonused purchases.<\/p>\n<figure id=\"attachment_177539\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-177539 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Laptop-Business-Work-Featured-Andrew-Neel-Unsplash.jpg\" alt=\"Notepad on a desk next to a cup of coffee.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Laptop-Business-Work-Featured-Andrew-Neel-Unsplash.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Laptop-Business-Work-Featured-Andrew-Neel-Unsplash-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Laptop-Business-Work-Featured-Andrew-Neel-Unsplash-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/08\/Laptop-Business-Work-Featured-Andrew-Neel-Unsplash-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Andrew Neel\/Unsplash<\/em><\/enter><\/figure>\n<p>Ultimately, the better-value option depends on a few key factors beyond just the annual fee and sign-up bonus, such as:<\/p>\n<ul>\n<li><strong>Is your business willing to utilize multiple statement credits to help justify the annual fee?<\/strong> This is the primary way to offset the high cost of either card. Trying to break even purely through rewards on spending would require a significant amount of spending.<\/li>\n<li><strong>What does your business spend money on?<\/strong> Each card offers different earning rates, and one provides a more diverse range of bonus categories than the other. Understanding where your business spends most can help you pick the card that will earn the most rewards.<\/li>\n<li><strong>How often (and where) does your business travel?<\/strong> Consider how frequently you or your employees are on the road. Both cards offer lounge access through their respective networks (plus additional locations via an enrollment-required Priority Pass\u2122 membership), but neither Amex Centurion<sup>\u00ae<\/sup> Lounges nor Chase Sapphire Lounges are available in every airport.<\/li>\n<\/ul>\n<p>If your business is comfortable managing statement credits, spends heavily on travel or select business purchases, and travels frequently, then either card could be an excellent fit. The best choice will depend on which credits you can realistically use, your primary spending categories, and the airports you frequent most.<\/p>\n<p>If your organization prefers to avoid juggling credits, doesn\u2019t spend significantly on travel, or travels infrequently, check out the section below on lower-annual-fee business cards that still deliver great value.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/how-to-get-a-business-credit-card\/\" rel=\"noopener\">Getting a Small Business Credit Card Is Easier Than You Think \u2014 Here\u2019s How to Apply<\/a><\/strong><\/p>\n<h2><span id=\"Which_Premium_Business_Card_Offers_More_Value\">Which Premium Business Card Offers More Value?<\/span><\/h2>\n<p>Between the <a data-ccid=\"5048384\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" rel=\"noopener nofollow sponsored\">Sapphire Reserve Business<\/a> and the <a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Business Platinum Card<\/a>, the best choice comes down to which card\u2019s statement credits you can use easily, which one aligns with your typical travel booking habits, and which offers lounge access at the airports you visit most.<\/p>\n<p>Here\u2019s how the two cards compare in these areas.<\/p>\n<h3><span id=\"Statement_credits\">Statement credits<\/span><\/h3>\n<p>Part of the appeal of premium business cards is the generous statement credits they offer. If you can use most or all of these credits, they can go a long way toward offsetting the card\u2019s annual fee. Here\u2019s a side-by-side look at the statement credits available on the <a data-ccid=\"5048384\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" rel=\"noopener nofollow sponsored\">Sapphire Reserve Business<\/a> and the <a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Business Platinum Card<\/a>:<\/p>\n\n<table id=\"tablepress-1085\" class=\"tablepress tablepress-id-1085 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Sapphire Reserve for Business\u2120<\/th><th class=\"column-2\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><strong>\u2022 $300 Travel Credit:<\/strong> Qualifying purchases receive up to $300 in credits each year (these purchases do not earn Chase points).<br \/>\n<strong>\u2022 The Edit Credit: <\/strong>Get up to $500 per year ($250 bi-annually) toward eligible reservations made through The Edit.<br \/>\n<strong>\u2022 ZipRecruiter Credit: <\/strong>Get up to $400 annually ($200 bi-annually) toward eligible ZipRecruiter purchases.<br \/>\n<strong>\u2022 Google Workspace Credit: <\/strong>Receive up to $200 in statement credits per year.<br \/>\n<strong>\u2022 Giftcards.com Credit: <\/strong>Get up to $100 in credits per year ($50 bi-annually) for eligible Giftcards.com purchases.<br \/>\n<strong>\u2022 Trusted Traveler Program Credit: <\/strong>Receive up to $120 every four years for Global Entry, TSA PreCheck<sup>\u00ae<\/sup>, or NEXUS.<br \/>\n<strong>\u2022 DoorDash Credits: <\/strong>Get up to $300 annually ($25 monthly) in DoorDash promotional credits.<br \/>\n<strong>\u2022 Lyft Credit:<\/strong> Get up to $120 in annual credits (up to $10 per month) for Lyft rides.<\/td><td class=\"column-2\"><strong>\u2022 Indeed Credit: <\/strong>Get up to $360 back annually for Indeed purchases \u2014 issued as $90 in quarterly statement credits.<br \/>\n<strong>\u2022 Airline Fee Credit: <\/strong>Receive up to $200 per calendar year in statement credits for incidental fees charged by your selected airline. Airline selection required.<br \/>\n<strong>\u2022 Dell Credit: <\/strong>Earn up to $150 in statement credits for Dell purchases and an additional $1,000 statement credit after you spend $5,000 per calendar year.<br \/>\n<strong>\u2022 Adobe Credit: <\/strong>Get up to $250 statement credit after you spend $600 or more on Adobe business purchases.<br \/>\n<strong>\u2022 CLEAR+ Credit: <\/strong>Receive up to $209 annually in statement credits for a CLEAR+ membership.<br \/>\n<strong>\u2022 Trusted Traveler Program Credit:<\/strong> Receive up to $120 back if you charge the application fee for TSA PreCheck (every 4.5 years) or Global Entry (every 4 years) to your card.<br \/>\n<strong>\u2022 Monthly Wireless Credit: <\/strong>Get up to $10 in monthly statement credits for wireless telephone service purchases made directly from U.S. providers.<br \/>\n<br \/>\n<em>Enrollment is required for select Amex benefits.<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>There\u2019s very little overlap between the statement credits these two cards offer. Ultimately, the most valuable credits are the ones you can use naturally without changing your spending habits. If a card\u2019s credits help offset expenses you\u2019d incur anyway, that\u2019s meaningful value. But if the credits apply to purchases you wouldn\u2019t normally make, they might not be as valuable as they appear on paper.<\/p>\n<p>It\u2019s also worth noting that each credit works differently. Some require you to enroll in advance, while others must be used quarterly, biannually, or annually. These credits generally don\u2019t roll over if you forget to use them, so you\u2019ll need to <a target=\"_blank\" href=\"\/credit-cards\/use-statement-credits\/\" rel=\"noopener\">keep track of when and how they need to be used<\/a>. If you can\u2019t or don't want to manage that, you may be better off with a simpler business card instead.<\/p>\n<figure id=\"attachment_162993\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-162993 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Tima-Miroshnichenko-Pexels-woman-on-phone-in-car-with-laptop-featured.jpg\" alt=\"woman talking on phone in back seat of car while holding a laptop\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Tima-Miroshnichenko-Pexels-woman-on-phone-in-car-with-laptop-featured.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Tima-Miroshnichenko-Pexels-woman-on-phone-in-car-with-laptop-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Tima-Miroshnichenko-Pexels-woman-on-phone-in-car-with-laptop-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Tima-Miroshnichenko-Pexels-woman-on-phone-in-car-with-laptop-featured-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Tima Miroshnichenko\/Pexels<\/em><\/enter><\/figure>\n<h3><span id=\"Earning_rates\">Earning rates<\/span><\/h3>\n<p>The <a data-ccid=\"5048384\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" rel=\"noopener nofollow sponsored\">Sapphire Reserve Business<\/a> and <a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Business Platinum Card<\/a> differ substantially in their earning rates. Here\u2019s how you\u2019ll earn <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/\" rel=\"noopener\">Chase Ultimate Rewards<\/a> and <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/\" rel=\"noopener\">Amex Membership Rewards<\/a> points on your business purchases:<\/p>\n\n<table id=\"tablepress-1084\" class=\"tablepress tablepress-id-1084 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Sapphire Reserve for Business\u2120<\/th><th class=\"column-2\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><ul>\r\n<li>8X points on all Chase Travel\u2120 purchases<\/li>\r\n<li>5X total points on eligible Lyft rides through 9\/30\/2027<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on advertising purchases made with social media platforms and search engines<\/li>\r\n<li>1 point per dollar on all other eligible purchases<\/li>\r\n<\/ul><\/td><td class=\"column-2\"><ul><li>Earn 5X points on flights and prepaid hotels on AmexTravel.com.<\/li>\r\n<li>Earn 2X points on each eligible purchase of $5,000 or more.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. shipping providers.<\/li>\r\n<li>2X earning rates are subject to a cap of $2 million in purchases per calendar year.<\/li><\/ul><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>To put these bonus categories into perspective, it helps to consider what Chase Ultimate Rewards and Amex Membership Rewards points are actually worth. On average, AwardWallet users redeem these currencies for:<\/p>\n<ul>\n<li><strong>Chase Ultimate Rewards:<\/strong> <a target=\"_blank\" href=\"\/point-mile-values\/Amex\" rel=\"noopener\">2.02\u00a2\u00a0per point<\/a><\/li>\n<li><strong>Amex Membership Rewards:<\/strong> <a target=\"_blank\" href=\"\/point-mile-values\/Chase\" rel=\"noopener\">1.99\u00a2 per point<\/a><\/li>\n<\/ul>\n<p>At the time of writing, the average redemption values are fairly similar. That means the more valuable card for you will come down to which bonus categories best match your business spending habits \u2014 and which transfer partners you\u2019re most likely to use. That\u2019s ultimately how you\u2019ll maximize the value of your points.<\/p>\n<p><strong>If you\u2019d like to dive deeper, check out these resources:<\/strong><\/p>\n<ul>\n<li><a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/\" rel=\"noopener\">Amex transfer partners<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">Chase transfer partners<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/best-way-to-use-amex-points\/\" rel=\"noopener\">Best Ways to Redeem Amex Membership Rewards<\/a><\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/best-way-to-use-chase-points\/\" rel=\"noopener\">Best Ways to Redeem Chase Ultimate Rewards<\/a><\/li>\n<\/ul>\n<h3><span id=\"Airport_lounge_access\">Airport lounge access<\/span><\/h3>\n<p>Another major differentiating factor between the <a data-ccid=\"5048384\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" rel=\"noopener nofollow sponsored\">Sapphire Reserve Business<\/a> and the <a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Business Platinum Card<\/a> is the airport lounge access they provide. Each issuer grants cardholders entry to its own branded lounges, along with select partner networks.<\/p>\n<p>Here\u2019s a comparison of the lounge networks you can access with each card:<\/p>\n\n<table id=\"tablepress-1086\" class=\"tablepress tablepress-id-1086 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">&nbsp;<\/th><th class=\"column-2\">Sapphire Reserve for Business\u2120<\/th><th class=\"column-3\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><strong><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/centurion-lounge-locations\/\" target=\"_blank\" rel=\"noopener\">Amex Centurion Lounges<\/a><\/strong><\/td><td class=\"column-2\">No<\/td><td class=\"column-3\">Yes \u2014 unlimited access for the primary cardholder<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><strong><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-lounges\/\" target=\"_blank\" rel=\"noopener\">Chase Sapphire Lounges<\/a><\/strong><\/td><td class=\"column-2\">Yes \u2014 unlimited access for the primary cardholder<\/td><td class=\"column-3\">One visit per year with enrolled Priority Pass membership<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><strong>Airspace Lounges<\/strong><\/td><td class=\"column-2\">No<\/td><td class=\"column-3\">Yes<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><strong><a href=\"https:\/\/awardwallet.com\/airlines\/delta-skymiles\/delta-sky-club-access\/\" target=\"_blank\" rel=\"noopener\">Delta Sky Clubs<sup>\u00ae<\/sup><\/a><\/strong><\/td><td class=\"column-2\">No<\/td><td class=\"column-3\">Yes \u2014 when flying on a same-day Delta ticket<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><strong>Escape Lounges<\/strong><\/td><td class=\"column-2\">Only if available through Priority Pass<\/td><td class=\"column-3\">Yes<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><strong>Lufthansa Lounges<\/strong><\/td><td class=\"column-2\">No<\/td><td class=\"column-3\">Yes<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><strong>Plaza Premium Lounges<\/strong><\/td><td class=\"column-2\">Only if available through Priority Pass<\/td><td class=\"column-3\">Yes<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><strong><a href=\"https:\/\/awardwallet.com\/travel\/priority-pass-lounges-guide\/\" target=\"_blank\" rel=\"noopener\">Priority Pass Lounges<\/a><\/strong><\/td><td class=\"column-2\">Yes \u2014 enrollment required for Priority Pass Select membership<\/td><td class=\"column-3\">Yes \u2014 enrollment required for a Priority Pass Select membership<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>Of the two, the Business Platinum Card offers access to a larger number of lounges worldwide. However, it\u2019s arguable that <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-lounges\/\" rel=\"noopener\">Chase Sapphire Lounges<\/a> come out ahead of <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/centurion-lounge-locations\/\" rel=\"noopener\">Amex Centurion Lounges<\/a> when it comes to the guest experience.<\/p>\n<p>Ultimately, though, the card that provides the most value will be the one that gives you lounge access at the airports you travel through most often.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/credit-cards-with-lounge-access\/\" rel=\"noopener\">Best Credit Cards for Airport Lounge Access<\/a><\/strong><\/p>\n<figure id=\"attachment_204209\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-204209 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/Chase-Sapphire-Lounge-San-Diego-Featured.png\" alt=\"The Chase Sapphire Lounge in San Diego.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/Chase-Sapphire-Lounge-San-Diego-Featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/Chase-Sapphire-Lounge-San-Diego-Featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/Chase-Sapphire-Lounge-San-Diego-Featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/03\/Chase-Sapphire-Lounge-San-Diego-Featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>The Chase Sapphire Lounge in San Diego. Credit: Chase<\/em><\/enter><\/figure>\n<h2><span id=\"Unlock_More_Value_With_a_Lower-Annual-Fee_Business_Card\">Unlock More Value With a Lower-Annual-Fee Business Card<\/span><\/h2>\n<p>Value is inherently subjective, and you may be able to unlock more of it with a business card that charges a much lower annual fee. For example, if your business spends heavily on miscellaneous purchases, doesn\u2019t want to pay a premium for hard-to-use statement credits, or simply prefers straightforward rewards and redemptions, you might find better value in something much simpler.<\/p>\n<p>Here are three business cards with lower annual fees than the <a data-ccid=\"5048384\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" rel=\"noopener nofollow sponsored\">Sapphire Reserve Business<\/a> or <a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Business Platinum Card<\/a> that still offer compelling value in their own way.<\/p>\n<ul>\n<li><strong>If you value airport lounge access and better return on everyday spending,<\/strong> the <a data-ccid=\"5048345\" href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsBusiness\" rel=\"noopener nofollow sponsored\">Capital One Venture X Business<\/a> is a top pick. With a $395 annual fee, this card provides unlimited access to Capital One Lounges and Landing, plus a complimentary Priority Pass\u2122 Select membership (enrollment required), granting access to more than 1,300 lounges worldwide. Cardholders earn 10X miles on hotels and rental cars booked through Capital One Business Travel, 5X miles on flights and vacation rentals booked through Capital One Business Travel, and 2X miles on all other purchases. <a target=\"_blank\" href=\"\/credit-cards\/capital-one-rewards\/venture-x-business\/\" rel=\"noopener\">Learn more in our full Venture X Business review<\/a>.<\/li>\n<li><strong>If your business spends heavily on travel but doesn\u2019t need airport lounge access or a suite of extra perks,<\/strong> consider the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=4f045623ea78e2e485856f8333b2ba94&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). Issued by Chase, this card earns 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year. It\u2019s one of our favorite business travel cards and comes with a modest $95 annual fee. <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/ink-business-preferred\/\" rel=\"noopener\">Learn more in our full Ink Preferred review<\/a>.<\/li>\n<li><strong>If you\u2019d prefer to avoid an annual fee altogether but still want solid point earnings,<\/strong> consider <a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a>. This no-annual-fee card  (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) earns 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply. Even better, the points you earn can be transferred to all American Express transfer partners. <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/blue-business-plus\/\" rel=\"noopener\">Learn more in our full Blue Business Plus review<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CardArt-CapitalOneVentureXRewardsBusiness.png\" width=\"150\" alt=\"Capital One Venture X Business\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Venture X Business<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"5048345\" data-exit=\"ccw\" class=\"btn-use qs-how-apply\" title='Capital One Venture X Business' href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsBusiness\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$395<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>10X miles per $1 on hotels and rental cars booked via Capital One Business Travel<\/li>\r\n<li>5X miles per $1 on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles per $1 on flights booked via Capital One Business Travel<\/li>\r\n<li>5X miles per $1 on vacation rentals booked via Capital One Business Travel<\/li>\r\n<li>2X miles per $1 on other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" data-exit=\"ccw\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=4f045623ea78e2e485856f8333b2ba94&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/div><div class=\"compare-offer\"><strong>Welcome Offer:<\/strong>\r\nEarn 15,000 Membership Rewards<sup>\u00ae<\/sup> points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" data-exit=\"ccw\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>No annual fee<span class=\"compare-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.<\/li><\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-business-credit-cards\/\" rel=\"noopener\">Best Business Credit Card Offers for This Month<\/a><\/strong><\/p>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>When it comes to premium business cards, there\u2019s no one-size-fits-all solution. The <a data-ccid=\"5048384\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" rel=\"noopener nofollow sponsored\">Sapphire Reserve Business<\/a> and the <a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Business Platinum Card<\/a> are distinct enough to suit different types of businesses, yet similar enough that any organization considering either will need to actively manage statement credits to justify the high annual fees. Otherwise, there are lower-fee business cards that can deliver comparable value with less effort.<\/p>\n<p>It\u2019s also worth noting that the Business Platinum Card is expected to <a target=\"_blank\" href=\"https:\/\/www.americanexpress.com\/en-us\/newsroom\/articles\/products-and-services\/american-express-announces-major-updates-coming-to-u-s--consumer.html\" rel=\"noopener\">undergo a refresh later this year<\/a>. Its benefits and annual fee may change, so if you\u2019re leaning toward this card over the Sapphire Reserve Business, be sure to factor in how those potential changes might impact its long-term value for your business. The refresh could make the card an even better fit \u2014 or might prompt you to look elsewhere.<\/p>\n<p><em>Of these two cards, which do you think would work best for your business, and why? Share your thoughts in the comments below!<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re deciding on a premium business card, two great options are The Business Platinum Card\u00ae from American Express and the Sapphire Reserve for Business\u2120. Here\u2019s a side-by-side comparison of their key benefits to help you choose the best fit for your business.<\/p>\n","protected":false},"author":80,"featured_media":215239,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12790,12657,12520,12786],"coauthors":[36432],"class_list":["post-215237","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-american-express","tag-business","tag-card-benefits","tag-chase"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/215237","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=215237"}],"version-history":[{"count":30,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/215237\/revisions"}],"predecessor-version":[{"id":251845,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/215237\/revisions\/251845"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/215239"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=215237"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=215237"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=215237"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=215237"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}