Chase Ink Business Preferred vs CitiBusiness / AAdvantage Platinum Select Mastercard: which one fits your business?
Side-by-side comparison of Chase Ink Business Preferred 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 Preferred wins on our scorecard (7.3/10 vs 7.1/10).
| Scored on | Chase Ink Business Preferred | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 7 | 8 |
| Customer support | 6 | 5 |
| Features | 8 | 7 |
| Annual Fee | $95 | $99 (waived first year) |
| Foreign Transaction Fee | $0 | $0 |
| Employee Cards | $0 | $0 |
| Purchase APR | 21.24% - 26.24% (Variable) | 21.24% - 29.24% (Variable) |
Chase Ink Business Preferred in one paragraph
The best all-around value for businesses spending under $150k on ads and travel who want high-value transfer partners.
Skip it if: Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.
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 Preferred or CitiBusiness / AAdvantage Platinum Select Mastercard?
On our five-axis scorecard, Chase Ink Business Preferred scores higher (7.3/10 vs 7.1/10). The best all-around value for businesses spending under $150k on ads and travel who want high-value transfer partners.
Who should skip Chase Ink Business Preferred?
Skip it if you spend more than $20,000 a month on advertising or have opened more than 5 personal cards in the last two years.
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.