American Express Blue Business Plus vs Citizens Bank Business Platinum Mastercard: which one fits your business?
Side-by-side comparison of American Express Blue Business Plus and Citizens Bank Business Platinum 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 (8.5/10 vs 6.3/10).
| Scored on | American Express Blue Business Plus | Citizens Bank Business Platinum Mastercard |
|---|---|---|
| Right fit for small biz | 9 | 6 |
| Ease of use | 9 | 7 |
| Fees & pricing | 9 | 9 |
| Customer support | 7 | 5 |
| Features | 8 | 4 |
| Annual Fee | $0 | $0 |
| Foreign Transaction Fee | 2.7% | 3% |
| Purchase APR | 18.49% - 26.49% Variable | — |
| Intro APR | 0% for 12 months | — |
| Employee Cards | $0 | — |
| Intro Purchase APR | — | 0% for 12 months |
| Late Payment Fee | — | Up to $40 |
American Express Blue Business Plus in one paragraph
The best 'set-it-and-forget-it' card for businesses spending under $50,000 a year who value flexible travel rewards over simple cash back.
Skip it if: You spend more than $5,000 per month or frequently purchase inventory from international suppliers who trigger the 2.7% foreign transaction fee.
Citizens Bank Business Platinum Mastercard in one paragraph
A utilitarian tool for zero-interest financing that lacks the rewards needed to be a primary business spender.
Skip it if: You want to earn cash back or travel points on your daily business expenses.
Read the full Citizens Bank Business Platinum Mastercard review
Frequently asked questions
Which is better, American Express Blue Business Plus or Citizens Bank Business Platinum Mastercard?
On our five-axis scorecard, American Express Blue Business Plus scores higher (8.5/10 vs 6.3/10). The best 'set-it-and-forget-it' card for businesses spending under $50,000 a year who value flexible travel rewards over simple cash back.
Who should skip American Express Blue Business Plus?
You spend more than $5,000 per month or frequently purchase inventory from international suppliers who trigger the 2.7% foreign transaction fee.
Who should skip Citizens Bank Business Platinum Mastercard?
You want to earn cash back or travel points on your daily business expenses.