CitiBusiness / AAdvantage Platinum Select Mastercard vs Citizens Bank Business Platinum Mastercard: which one fits your business?
Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard and Citizens Bank Business Platinum Mastercard — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: CitiBusiness / AAdvantage Platinum Select Mastercard wins on our scorecard (7.1/10 vs 6.3/10).
| Scored on | CitiBusiness / AAdvantage Platinum Select Mastercard | Citizens Bank Business Platinum Mastercard |
|---|---|---|
| Right fit for small biz | 8 | 6 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 9 |
| Customer support | 5 | 5 |
| Features | 7 | 4 |
| Annual Fee | $99 (waived first year) | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Purchase APR | 21.24% - 29.24% (Variable) | — |
| Employee Cards | $0 | — |
| Intro Purchase APR | — | 0% for 12 months |
| Late Payment Fee | — | Up to $40 |
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
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, CitiBusiness / AAdvantage Platinum Select Mastercard or Citizens Bank Business Platinum Mastercard?
On our five-axis scorecard, CitiBusiness / AAdvantage Platinum Select Mastercard scores higher (7.1/10 vs 6.3/10). A solid, cost-effective tool for AA-loyal small businesses that pays for itself through waived bag fees and a low annual cost.
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.
Who should skip Citizens Bank Business Platinum Mastercard?
You want to earn cash back or travel points on your daily business expenses.