CitiBusiness / AAdvantage Platinum Select Mastercard vs Hilton Honors American Express Business Card: which one fits your business?
Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard and Hilton Honors American Express Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Hilton Honors American Express Business Card wins on our scorecard (7.4/10 vs 7.1/10).
| Scored on | CitiBusiness / AAdvantage Platinum Select Mastercard | Hilton Honors American Express Business Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 9 |
| Fees & pricing | 8 | 6 |
| Customer support | 5 | 7 |
| Features | 7 | 8 |
| Annual Fee | $99 (waived first year) | $195 |
| Foreign Transaction Fee | $0 | $0 |
| Purchase APR | 21.24% - 29.24% (Variable) | 20.99% - 29.99% Variable |
| Employee Cards | $0 | — |
| 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
Hilton Honors American Express Business Card in one paragraph
A powerhouse for Hilton loyalists that pays for itself through Gold status, though the $100k spend cap limits its utility for high-growth firms.
Skip it if: You don't stay at Hilton hotels or your annual business spend exceeds $100,000 in non-travel categories.
Read the full Hilton Honors American Express Business Card review
Frequently asked questions
Which is better, CitiBusiness / AAdvantage Platinum Select Mastercard or Hilton Honors American Express Business Card?
On our five-axis scorecard, Hilton Honors American Express Business Card scores higher (7.4/10 vs 7.1/10). A powerhouse for Hilton loyalists that pays for itself through Gold status, though the $100k spend cap limits its utility for high-growth firms.
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 Hilton Honors American Express Business Card?
You don't stay at Hilton hotels or your annual business spend exceeds $100,000 in non-travel categories.