American Express Business Platinum vs CitiBusiness / AAdvantage Platinum Select Mastercard: which one fits your business?
Side-by-side comparison of American Express Business Platinum and CitiBusiness / AAdvantage Platinum Select Mastercard — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: CitiBusiness / AAdvantage Platinum Select Mastercard wins on our scorecard (7.1/10 vs 7/10).
| Scored on | American Express Business Platinum | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 6 | 7 |
| Fees & pricing | 5 | 8 |
| Customer support | 7 | 5 |
| Features | 9 | 7 |
| Annual Fee | $695 | $99 (waived first year) |
| Foreign Transaction Fee | None | $0 |
| Late Payment Fee | Up to $39 | — |
| Purchase APR | — | 21.24% - 29.24% (Variable) |
| Employee Cards | — | $0 |
American Express Business Platinum in one paragraph
A high-octane travel tool that pays for itself only if you are willing to manage a complex list of statement credits.
Skip it if: Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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 Platinum or CitiBusiness / AAdvantage Platinum Select Mastercard?
On our five-axis scorecard, CitiBusiness / AAdvantage Platinum Select Mastercard scores higher (7.1/10 vs 7/10). A solid, cost-effective tool for AA-loyal small businesses that pays for itself through waived bag fees and a low annual cost.
Who should skip American Express Business Platinum?
Skip it if you don't travel at least once a month or if your monthly business spend is under $5,000.
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.