American Express Blue Business Plus vs CitiBusiness / AAdvantage Platinum Select Mastercard: which one fits your business?
Side-by-side comparison of American Express Blue Business Plus and CitiBusiness / AAdvantage Platinum Select Mastercard — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: American Express Blue Business Plus wins on our scorecard (8.3/10 vs 7.1/10).
| Scored on | American Express Blue Business Plus | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 7 | 5 |
| Features | 8 | 7 |
| Annual Fee | $0 | $99 (waived first year) |
| Foreign Transaction Fee | 2.7% | $0 |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | — | 21.24% - 29.24% (Variable) |
| Employee Cards | — | $0 |
American Express Blue Business Plus in one paragraph
The best no-annual-fee business card for simple 2x rewards on the first $50,000 of annual overhead.
Skip it if: You spend more than $50,000 a year or frequently pay international vendors.
CitiBusiness / AAdvantage Platinum Select Mastercard in one paragraph
A solid, cost-effective tool for AA-loyal small businesses that pays for itself through waived bag fees and a low annual cost.
Skip it if: Skip it if your business spending is mostly digital (SaaS, Ads) rather than legacy utilities and travel.
Read the full CitiBusiness / AAdvantage Platinum Select Mastercard review
Frequently asked questions
Which is better, American Express Blue Business Plus or CitiBusiness / AAdvantage Platinum Select Mastercard?
On our five-axis scorecard, American Express Blue Business Plus scores higher (8.3/10 vs 7.1/10). The best no-annual-fee business card for simple 2x rewards on the first $50,000 of annual overhead.
Who should skip American Express Blue Business Plus?
You spend more than $50,000 a year or frequently pay international vendors.
Who should skip CitiBusiness / AAdvantage Platinum Select Mastercard?
Skip it if your business spending is mostly digital (SaaS, Ads) rather than legacy utilities and travel.