American Express Business Platinum vs Ramp Card: which one fits your business?
Side-by-side comparison of American Express Business Platinum and Ramp Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.5/10 vs 7/10).
| Scored on | American Express Business Platinum | Ramp Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 6 | 8 |
| Fees & pricing | 5 | 10 |
| Customer support | 7 | 7 |
| Features | 9 | 9 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | None | None |
| Late Payment Fee | Up to $39 | Varies by contract |
| Additional Employee Cards | — | $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.
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Frequently asked questions
Which is better, American Express Business Platinum or Ramp Card?
On our five-axis scorecard, Ramp Card scores higher (8.5/10 vs 7/10). Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
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 Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.