American Express vs Chase: Credit Card Bonus Comparison
Updated October 2026 — See which credit card bonus is better for you.
American Express Business Platinum Bonus
300,000 points bonus
- Qualifying Period
- 3 months
- Requirements
- $20,000 in eligible purchases within first 3 months of card membership; Spend $20,000 in eligible purchases on new Card within first 3 months of Card Membership; Spend $20,000 in eligible purchases within first 3 months of card membership; Purchases must be made by basic card member and authorized users; $20,000 spend in eligible purchases within first 3 months; Spend $20,000 on eligible purchases within first 3 months of card membership; $20,000 minimum spend in first 3 months; Spend $20,000 in eligible purchases within first 3 months; Spend $20,000 or more on eligible purchases within first 3 months; $20,000 in purchases within first 3 months; Minimum $20,000 in eligible purchases in first 3 months of Card Membership; Must own or operate a business; $20,000 spend in first 3 months of card membership; Min $20,000 in 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; Spend $20,000 on eligible purchases in first 3 months; Minimum $20,000 in eligible purchases within the first 3 months of card membership; $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
Chase Southwest Plus Bonus
$80,000 bonus
- Qualifying Period
- within 3 months of account opening
- Requirements
- Spend $1,000 on purchases in first 3 months from account opening
- Expires
- December 1, 2026
Bottom Line
Chase offers a higher bonus ($80,000 vs 300,000 points). However, be sure to compare hold periods and requirements before deciding.