Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

The Business Platinum Card from American Express vs Wells Fargo Active Cash

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
Wells Fargo Active Cash card art
Wells Fargo Cash Rewards
Wells Fargo Active Cash
Wells Fargo
More Info
Annual Fee
$895/yr
No annual fee
Foreign Fees
None
3%
Signup Bonus
300,000 points
Spend $20,000 in 3 months
20,000 points
Spend $500 in 3 months
Top Earn Rates
  • Flights (Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • Purchases $5,000+ 1.5x
  • All Purchases 2x
Reward Type
miles
cashback
Key Credits
  • Dell Technologies Credit $200
  • Indeed Credit $360
  • Adobe Credit $150
  • +3 more
None
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
Open full comparison tool Compare more cards

Common Questions: The Business Platinum Card from American Express vs Wells Fargo Active Cash

Is the The Business Platinum Card from American Express or Wells Fargo Active Cash 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). Wells Fargo Active Cash offers 20,000 pts signup bonus (spend $500 in 3 months). The Business Platinum Card from American Express has the larger bonus.

Which card is better for international travel?

The Business Platinum Card from American Express charges no foreign transaction fees — the better pick for international use. Wells Fargo Active Cash charges 3% on foreign purchases.

Can I hold both the The Business Platinum Card from American Express and the Wells Fargo Active Cash?

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 Wells Fargo Active Cash is from Wells Fargo, so they're governed by separate bank policies.