American Express Business Platinum vs U.S. Bank Triple Cash Rewards: which one fits your business?
Side-by-side comparison of American Express Business Platinum and U.S. Bank Triple Cash Rewards — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: U.S. Bank Triple Cash Rewards wins on our scorecard (7.8/10 vs 6.6/10).
| Scored on | American Express Business Platinum | U.S. Bank Triple Cash Rewards |
|---|---|---|
| Right fit for small biz | 5 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 4 | 9 |
| Customer support | 8 | 6 |
| Features | 9 | 8 |
| Annual Fee | $695 | — |
| Foreign Transaction Fee | $0 | — |
| Intro APR | N/A (Charge Card) | — |
| Annual fee | — | $0 |
| Intro purchase APR | — | 0% for 12 months |
| Regular APR | — | 18.24% - 27.24% (Variable) |
| Foreign transaction fee | — | 3% |
| Late fee | — | Up to $40 |
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.
U.S. Bank Triple Cash Rewards in one paragraph
A top-tier no-annual-fee card for businesses that live on the road and want simple cash rewards without complex travel math.
Skip it if: You frequently travel internationally or buy most of your office supplies from Amazon rather than dedicated stores like Staples.
Frequently asked questions
Which is better, American Express Business Platinum or U.S. Bank Triple Cash Rewards?
On our five-axis scorecard, U.S. Bank Triple Cash Rewards scores higher (7.8/10 vs 6.6/10). A top-tier no-annual-fee card for businesses that live on the road and want simple cash rewards without complex travel math.
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 U.S. Bank Triple Cash Rewards?
You frequently travel internationally or buy most of your office supplies from Amazon rather than dedicated stores like Staples.