Head to head
Business Platinum Card from American Express vs The American Express® Cobalt® Card
Fees, rates, rewards, and welcome offers side by side. Every figure links to the issuer's own page.
| Issuer | American Express | American Express |
| Network | American Express | American Express |
| Annual fee | $799 | $191.88 |
| Purchase APR | — | 21.99% |
| Cash advance APR | — | 21.99% |
| FX fee | n/a | n/a |
| Welcome (est. value) | ~$1000 | ~$300 |
| Top earn rate | 1.25x all_purchases | 5x Eats & drinks (eligible restaurants, food delivery, groceries in Canada) |
| Lounge visits | n/a | n/a |
| Min. income | n/a | n/a |
Frequently asked
- Is the Business Platinum Card from American Express or the The American Express® Cobalt® Card better?
- Neither is universally better. The Business Platinum Card from American Express charges a $799 annual fee at — purchase APR, while the The American Express® Cobalt® Card charges $191.88 at 21.99%. The right pick depends on how you spend and whether you carry a balance. Confirm all details on each issuer's page before applying.
- Where do these numbers come from?
- Every fee, rate, and offer here is pulled from the card issuer's own product and application pages, never an affiliate feed. Rates and offers change, so always verify on the official issuer page before you apply.
- Is this financial advice?
- No. This is an educational comparison to help you weigh two cards. It is not financial advice.
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