BILL Divvy Card vs Citizens Bank Business Platinum Mastercard: which one fits your business?
Side-by-side comparison of BILL Divvy Card and Citizens Bank Business Platinum 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 6.3/10).
| Scored on | BILL Divvy Card | Citizens Bank Business Platinum Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 6 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 9 |
| Customer support | 6 | 5 |
| Features | 9 | 4 |
| Annual Fee | $0 | $0 |
| Per-User Fee | $0 | — |
| Late Payment Fee | 2.99% or $38 | Up to $40 |
| Foreign Transaction Fee | 0% - 1% | 3% |
| Intro Purchase APR | — | 0% for 12 months |
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.
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, BILL Divvy Card or Citizens Bank Business Platinum Mastercard?
On our five-axis scorecard, BILL Divvy Card scores higher (8/10 vs 6.3/10). 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 Citizens Bank Business Platinum Mastercard?
You want to earn cash back or travel points on your daily business expenses.