CitiBusiness / AAdvantage Platinum Select Mastercard vs IHG One Rewards Premier Business Credit Card: which one fits your business?
Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard and IHG One Rewards Premier Business Credit Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: IHG One Rewards Premier Business Credit Card wins on our scorecard (7.8/10 vs 7.1/10).
| Scored on | CitiBusiness / AAdvantage Platinum Select Mastercard | IHG One Rewards Premier Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 8 |
| Customer support | 5 | 6 |
| Features | 7 | 9 |
| Annual Fee | $99 (waived first year) | — |
| Foreign Transaction Fee | $0 | — |
| Purchase APR | 21.24% - 29.24% (Variable) | 21.49% - 28.49% variable |
| Employee Cards | $0 | — |
| Annual fee | — | $99 |
| Foreign transaction fee | — | $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
IHG One Rewards Premier Business Credit Card in one paragraph
A high-value travel tool that pays for itself through a single annual free night and United Airlines credits.
Skip it if: You prefer staying at boutique Airbnbs or don't want to be locked into a specific hotel brand's ecosystem.
Read the full IHG One Rewards Premier Business Credit Card review
Frequently asked questions
Which is better, CitiBusiness / AAdvantage Platinum Select Mastercard or IHG One Rewards Premier Business Credit Card?
On our five-axis scorecard, IHG One Rewards Premier Business Credit Card scores higher (7.8/10 vs 7.1/10). A high-value travel tool that pays for itself through a single annual free night and United Airlines credits.
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 IHG One Rewards Premier Business Credit Card?
You prefer staying at boutique Airbnbs or don't want to be locked into a specific hotel brand's ecosystem.