Chase Ink Business Cash vs CitiBusiness / AAdvantage Platinum Select Mastercard: which one fits your business?
Side-by-side comparison of Chase Ink Business Cash and CitiBusiness / AAdvantage Platinum Select Mastercard — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Chase Ink Business Cash wins on our scorecard (8.2/10 vs 7.1/10).
| Scored on | Chase Ink Business Cash | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 10 | 8 |
| Customer support | 6 | 5 |
| Features | 8 | 7 |
| Annual fee | $0 | — |
| Foreign transaction fee | 3% | — |
| Purchase APR | 18.49% - 24.49% variable | 21.24% - 29.24% (Variable) |
| Late payment fee | Up to $40 | — |
| Annual Fee | — | $99 (waived first year) |
| Foreign Transaction Fee | — | $0 |
| Employee Cards | — | $0 |
Chase Ink Business Cash in one paragraph
The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Skip it if: Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
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, Chase Ink Business Cash or CitiBusiness / AAdvantage Platinum Select Mastercard?
On our five-axis scorecard, Chase Ink Business Cash scores higher (8.2/10 vs 7.1/10). The absolute gold standard for no-fee business cards if your biggest costs are tech, phone, and office supplies.
Who should skip Chase Ink Business Cash?
Skip it if you spend more than $5,000 a year on international travel or foreign vendor payments.
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.