American Express Business Gold vs Citizens Bank Business Platinum Mastercard: which one fits your business?
Side-by-side comparison of American Express Business Gold 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 Business Gold wins on our scorecard (7.6/10 vs 6.3/10).
| Scored on | American Express Business Gold | Citizens Bank Business Platinum Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 6 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 9 |
| Customer support | 7 | 5 |
| Features | 9 | 4 |
| Annual Fee | $375 | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Employee Card Fee | $0 up to 99 cards | — |
| Late Payment Fee | Up to $39 or 2.99% | Up to $40 |
| Purchase APR | 19.49% - 28.49% (Variable) | — |
| Intro Purchase APR | — | 0% for 12 months |
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.
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 Business Gold or Citizens Bank Business Platinum Mastercard?
On our five-axis scorecard, American Express Business Gold scores higher (7.6/10 vs 6.3/10). 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 Citizens Bank Business Platinum Mastercard?
You want to earn cash back or travel points on your daily business expenses.