American Express Business Gold vs CitiBusiness / AAdvantage Platinum Select Mastercard: which one fits your business?
Side-by-side comparison of American Express Business Gold 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 Business Gold wins on our scorecard (7.5/10 vs 7.1/10).
| Scored on | American Express Business Gold | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 8 |
| Customer support | 6 | 5 |
| Features | 9 | 7 |
| Annual Fee | $375 | $99 (waived first year) |
| Foreign Transaction Fee | $0 | $0 |
| Late Payment Fee | Up to $39 | — |
| Additional Employee Cards | $0 for first 99 cards | — |
| Purchase APR | — | 21.24% - 29.24% (Variable) |
| Employee Cards | — | $0 |
American Express Business Gold in one paragraph
The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Skip it if: Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
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 Business Gold or CitiBusiness / AAdvantage Platinum Select Mastercard?
On our five-axis scorecard, American Express Business Gold scores higher (7.5/10 vs 7.1/10). The best card for businesses spending six figures on ads or tech, provided you don't mind the $375 price of admission.
Who should skip American Express Business Gold?
Skip it if your primary business expenses are rent, payroll, or taxes, as none of these earn bonus points.
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.