Chase Ink Business Unlimited vs CitiBusiness / AAdvantage Platinum Select Mastercard: which one fits your business?
Side-by-side comparison of Chase Ink Business Unlimited 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 Unlimited wins on our scorecard (8.5/10 vs 7.1/10).
| Scored on | Chase Ink Business Unlimited | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Right fit for small biz | 9 | 8 |
| Ease of use | 9 | 7 |
| Fees & pricing | 10 | 8 |
| Customer support | 6 | 5 |
| Features | 8 | 7 |
| Annual Fee | $0 | $99 (waived first year) |
| Foreign Transaction Fee | 3% | $0 |
| Introductory APR | 0% for 12 months | — |
| Late Payment Fee | $40 | — |
| Purchase APR | — | 21.24% - 29.24% (Variable) |
| Employee Cards | — | $0 |
Chase Ink Business Unlimited in one paragraph
The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
Skip it if: Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.
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 Unlimited or CitiBusiness / AAdvantage Platinum Select Mastercard?
On our five-axis scorecard, Chase Ink Business Unlimited scores higher (8.5/10 vs 7.1/10). The best zero-fee 'catch-all' card for U.S.-based businesses that want simple 1.5% cash back without tracking complicated categories.
Who should skip Chase Ink Business Unlimited?
Skip this card if your business regularly buys inventory from international suppliers or requires frequent overseas travel due to the foreign transaction fees.
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.