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 (7.5/10 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 | 6 | 5 |
| Features | 9 | 4 |
| Annual Fee | $375 | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Late Payment Fee | Up to $39 | Up to $40 |
| Additional Employee Cards | $0 for first 99 cards | — |
| Intro Purchase APR | — | 0% for 12 months |
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.
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 (7.5/10 vs 6.3/10). 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 Citizens Bank Business Platinum Mastercard?
You want to earn cash back or travel points on your daily business expenses.