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 (7.6/10 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 | 7 | 5 |
| Features | 9 | 7 |
| Annual Fee | $375 | $99 (waived first year) |
| Foreign Transaction Fee | $0 | $0 |
| Employee Card Fee | $0 up to 99 cards | — |
| Late Payment Fee | Up to $39 or 2.99% | — |
| Purchase APR | 19.49% - 28.49% (Variable) | 21.24% - 29.24% (Variable) |
| Employee Cards | — | $0 |
American Express Business Gold in one paragraph
A high-octane rewards engine for businesses spending heavily on ads and tech, provided you can stomach the $375 entry fee.
Skip it if: Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
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 (7.6/10 vs 7.1/10). A high-octane rewards engine for businesses spending heavily on ads and tech, provided you can stomach the $375 entry fee.
Who should skip American Express Business Gold?
Skip it if your monthly business spend is under $3,000 or you prefer a simple cash-back structure.
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.