American Express Business Platinum vs Citizens Bank Business Platinum Mastercard: which one fits your business?
Side-by-side comparison of American Express Business Platinum 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 Platinum wins on our scorecard (7/10 vs 6.3/10).
| Scored on | American Express Business Platinum | Citizens Bank Business Platinum Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 6 |
| Ease of use | 6 | 7 |
| Fees & pricing | 5 | 9 |
| Customer support | 7 | 5 |
| Features | 9 | 4 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | None | 3% |
| Late Payment Fee | Up to $39 | Up to $40 |
| Intro Purchase APR | — | 0% for 12 months |
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.
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 Platinum or Citizens Bank Business Platinum Mastercard?
On our five-axis scorecard, American Express Business Platinum scores higher (7/10 vs 6.3/10). A high-octane travel tool that pays for itself only if you are willing to manage a complex list of statement credits.
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 Citizens Bank Business Platinum Mastercard?
You want to earn cash back or travel points on your daily business expenses.