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 7/10).
| Scored on | American Express Business Platinum | U.S. Bank Triple Cash Rewards |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 6 | 7 |
| Fees & pricing | 5 | 9 |
| Customer support | 7 | 6 |
| Features | 9 | 8 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | None | 3% |
| Late Payment Fee | Up to $39 | — |
| Intro APR | — | 0% for 12 months |
| Software Credit | — | $100 annually |
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.
U.S. Bank Triple Cash Rewards in one paragraph
The U.S. Bank Triple Cash Rewards is the best no-fee option for service-based businesses that spend heavily on fuel and office supplies.
Skip it if: Skip it if you do most of your business spending at wholesale clubs like Costco or if you need to carry a balance long-term beyond the intro period.
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 7/10). The U.S. Bank Triple Cash Rewards is the best no-fee option for service-based businesses that spend heavily on fuel and office supplies.
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 U.S. Bank Triple Cash Rewards?
Skip it if you do most of your business spending at wholesale clubs like Costco or if you need to carry a balance long-term beyond the intro period.