CitiBusiness / AAdvantage Platinum Select Mastercard vs Ink Business Premier Credit Card: which one fits your business?
Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard and Ink Business Premier Credit Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ink Business Premier Credit Card wins on our scorecard (7.6/10 vs 7.1/10).
| Scored on | CitiBusiness / AAdvantage Platinum Select Mastercard | Ink Business Premier Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| 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) | 19.49% - 27.49% (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
Ink Business Premier Credit Card in one paragraph
A high-octane cash-back engine for businesses spending $5,000+ per transaction, marred only by its inability to transfer points to travel partners.
Skip it if: Skip it if you want to transfer points to airlines or if your average transaction size is under $5,000.
Frequently asked questions
Which is better, CitiBusiness / AAdvantage Platinum Select Mastercard or Ink Business Premier Credit Card?
On our five-axis scorecard, Ink Business Premier Credit Card scores higher (7.6/10 vs 7.1/10). A high-octane cash-back engine for businesses spending $5,000+ per transaction, marred only by its inability to transfer points to travel partners.
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 Ink Business Premier Credit Card?
Skip it if you want to transfer points to airlines or if your average transaction size is under $5,000.