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Card Comparison

The Business Platinum Card from American Express vs Visa Signature® Flagship Rewards

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

The Business Platinum Card from American Express card art
American Express Membership Rewards
The Business Platinum Card from American Express
American Express
More Info
Visa Signature® Flagship Rewards card art
Navy Federal Credit Union
Visa Signature® Flagship Rewards
Navy Federal Credit Union
More Info
Annual Fee
$895/yr
$49/yr
Foreign Fees
None
None
Signup Bonus
300,000 points
Spend $20,000 in 3 months
35,000 points
Spend $3,500 in 3 months
Top Earn Rates
  • Flights (Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • Purchases $5,000+ 1.5x
  • Travel 3x
  • All Other Purchases 2x
Reward Type
miles
cashback
Key Credits
  • Dell Technologies Credit $200
  • Indeed Credit $360
  • Adobe Credit $150
  • +3 more
  • Amazon Prime $139
  • Global Entry/TSA PreCheck Credit $120
Card Perks
  • Centurion Lounge Access
  • Priority Pass Select
  • Fine Hotels + Resorts
  • +5 more
None listed
Transfer Partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
Cash back only
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Common Questions: The Business Platinum Card from American Express vs Visa Signature® Flagship Rewards

Is the The Business Platinum Card from American Express or Visa Signature® Flagship Rewards better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

The Business Platinum Card from American Express currently offers 300,000 pts signup bonus (spend $20,000 in 3 months). Visa Signature® Flagship Rewards offers 35,000 pts signup bonus (spend $3,500 in 3 months). The Business Platinum Card from American Express has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the The Business Platinum Card from American Express and the Visa Signature® Flagship Rewards?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. The Business Platinum Card from American Express is from American Express and Visa Signature® Flagship Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.