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 (6.6/10 vs 6.3/10).
| Scored on | American Express Business Platinum | Citizens Bank Business Platinum Mastercard |
|---|---|---|
| Right fit for small biz | 5 | 6 |
| Ease of use | 7 | 7 |
| Fees & pricing | 4 | 9 |
| Customer support | 8 | 5 |
| Features | 9 | 4 |
| Annual Fee | $695 | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Intro APR | N/A (Charge Card) | — |
| Intro Purchase APR | — | 0% for 12 months |
| Late Payment Fee | — | Up to $40 |
American Express Business Platinum in one paragraph
A powerhouse for high-spend travelers, but a calculated liability for the average local small business owner.
Skip it if: Skip it if your annual business travel budget is under $5,000 and you don't use Dell or Adobe products.
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 (6.6/10 vs 6.3/10). A powerhouse for high-spend travelers, but a calculated liability for the average local small business owner.
Who should skip American Express Business Platinum?
Skip it if your annual business travel budget is under $5,000 and you don't use Dell or Adobe products.
Who should skip Citizens Bank Business Platinum Mastercard?
You want to earn cash back or travel points on your daily business expenses.