Brex Card vs Citizens Bank Business Platinum Mastercard: which one fits your business?
Side-by-side comparison of Brex Card and Citizens Bank Business Platinum Mastercard — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Brex Card wins on our scorecard (7.3/10 vs 6.3/10).
| Scored on | Brex Card | Citizens Bank Business Platinum Mastercard |
|---|---|---|
| Right fit for small biz | 7 | 6 |
| Ease of use | 6 | 7 |
| Fees & pricing | 9 | 9 |
| Customer support | 5 | 5 |
| Features | 8 | 4 |
| Annual Fee | $0 | $0 |
| Foreign Transaction Fee | 0% | 3% |
| Late Payment Fee | Varies by bank partner | Up to $40 |
| Additional Card Fee | $0 | — |
| Intro Purchase APR | — | 0% for 12 months |
Brex Card in one paragraph
Brex is the gold standard for venture-backed startups needing high limits without personal risk, but it is no longer a viable option for traditional, non-funded small businesses.
Skip it if: You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.
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, Brex Card or Citizens Bank Business Platinum Mastercard?
On our five-axis scorecard, Brex Card scores higher (7.3/10 vs 6.3/10). Brex is the gold standard for venture-backed startups needing high limits without personal risk, but it is no longer a viable option for traditional, non-funded small businesses.
Who should skip Brex Card?
You are a bootstrapped local business without at least $50,000 in liquid cash or professional venture backing.
Who should skip Citizens Bank Business Platinum Mastercard?
You want to earn cash back or travel points on your daily business expenses.