American Express Business Platinum vs Brex Card: which one fits your business?
Side-by-side comparison of American Express Business Platinum and Brex Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Brex Card wins on our scorecard (7.3/10 vs 6.6/10).
| Scored on | American Express Business Platinum | Brex Card |
|---|---|---|
| Right fit for small biz | 5 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 4 | 7 |
| Customer support | 8 | 6 |
| Features | 9 | 8 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | $0 | $0 |
| Intro APR | N/A (Charge Card) | — |
| Monthly Platform Fee | — | $0 (Standard) / Varies (Premium) |
| Late Payment Fee | — | Account Suspension |
American Express Business Platinum in one paragraph
A powerhouse for high-spend travelers, but a calculated liability for the average local small business owner.
Skip it if: Skip it if your annual business travel budget is under $5,000 and you don't use Dell or Adobe products.
Brex Card in one paragraph
Brex is the premier choice for venture-backed startups that need to scale spend quickly without personal liability, provided they can maintain the high cash balance requirements.
Skip it if: Skip it if you are a solo entrepreneur or a small business with less than $50,000 in consistent bank deposits.
Frequently asked questions
Which is better, American Express Business Platinum or Brex Card?
On our five-axis scorecard, Brex Card scores higher (7.3/10 vs 6.6/10). Brex is the premier choice for venture-backed startups that need to scale spend quickly without personal liability, provided they can maintain the high cash balance requirements.
Who should skip American Express Business Platinum?
Skip it if your annual business travel budget is under $5,000 and you don't use Dell or Adobe products.
Who should skip Brex Card?
Skip it if you are a solo entrepreneur or a small business with less than $50,000 in consistent bank deposits.