BILL Divvy Card vs CitiBusiness / AAdvantage Platinum Select Mastercard: which one fits your business?
Side-by-side comparison of BILL Divvy Card and CitiBusiness / AAdvantage Platinum Select Mastercard — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: BILL Divvy Card wins on our scorecard (8/10 vs 7.1/10).
| Scored on | BILL Divvy Card | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 8 |
| Customer support | 6 | 5 |
| Features | 9 | 7 |
| Annual Fee | $0 | $99 (waived first year) |
| Per-User Fee | $0 | — |
| Late Payment Fee | 2.99% or $38 | — |
| Foreign Transaction Fee | 0% - 1% | $0 |
| Purchase APR | — | 21.24% - 29.24% (Variable) |
| Employee Cards | — | $0 |
BILL Divvy Card in one paragraph
A powerhouse for teams needing strict budget controls, though its best rewards are locked behind a weekly payment schedule.
Skip it if: You are a solo business owner who prefers to pay your credit card bill once a month and wants simple, flat-rate cash back.
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, BILL Divvy Card or CitiBusiness / AAdvantage Platinum Select Mastercard?
On our five-axis scorecard, BILL Divvy Card scores higher (8/10 vs 7.1/10). A powerhouse for teams needing strict budget controls, though its best rewards are locked behind a weekly payment schedule.
Who should skip BILL Divvy Card?
You are a solo business owner who prefers to pay your credit card bill once a month and wants simple, flat-rate cash back.
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.