American Express vs Chase: Credit Card Bonus Comparison

Updated July 2026 — See which credit card bonus is better for you.

American Express Business Platinum Bonus

300,000 points bonus

Qualifying Period: 3 months
Requirements: Min $20,000 in eligible purchases within first 3 months of Card Membership; Spend $20,000 in eligible purchases within first 3 months of Card Membership; Spend $20,000 on eligible purchases within first 3 months of card membership; $20,000 in eligible purchases within the first 3 months of card membership; Spend $20,000 in eligible purchases within 3 months of card opening; $20,000 in eligible purchases within first 3 months of Card Membership; Spend $20,000 on eligible purchases in first 3 months; Minimum $20,000 in eligible purchases within the first 3 months of card membership; Spend $20,000 in eligible purchases within first 3 months; $20,000 minimum spend in eligible purchases within first 3 months; $20,000 in eligible purchases within first 3 months; Spend $20,000 in eligible purchases within the first 3 months of card membership; Minimum $20,000 spend in eligible purchases within first 3 months of card membership; Spend $20,000 or more in eligible purchases within first 3 months of card membership; Spend $20,000 on eligible purchases within first 3 months; $20,000 minimum spending within first 3 months of Card Membership; Spend $20,000 in eligible purchases in first 3 months; New account approval required; Eligible purchases exclude fees, interest, traveler's checks, prepaid cards, gift cards, person-to-person payments, and cash equivalents

100,000 points bonus

Qualifying Period: 4 months
Requirements: $8,000 in purchases within first 4 months from account opening; $8,000 in purchases in first 4 months from account opening

American Express offers a higher bonus (300,000 points vs 100,000 points). However, be sure to compare hold periods and requirements before deciding.