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 7/10).
| Scored on | American Express Business Platinum | Brex Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 6 | 6 |
| Fees & pricing | 5 | 9 |
| Customer support | 7 | 5 |
| Features | 9 | 8 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | None | 0% |
| Late Payment Fee | Up to $39 | Varies by bank partner |
| Additional Card Fee | — | $0 |
American Express Business Platinum in one paragraph
A high-octane travel tool that pays for itself only if you are willing to manage a complex list of statement credits.
Skip it if: Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
Brex Card in one paragraph
Brex is the gold standard for venture-backed startups needing high limits without personal risk, but it is no longer a viable option for traditional, non-funded small businesses.
Skip it if: You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.
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 7/10). Brex is the gold standard for venture-backed startups needing high limits without personal risk, but it is no longer a viable option for traditional, non-funded small businesses.
Who should skip American Express Business Platinum?
Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
Who should skip Brex Card?
You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.