CitiBusiness / AAdvantage Platinum Select Mastercard vs PNC Visa Business Credit Card: which one fits your business?
Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard and PNC Visa Business Credit Card — 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 6.9/10).
| Scored on | CitiBusiness / AAdvantage Platinum Select Mastercard | PNC Visa Business Credit Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 9 |
| Customer support | 5 | 6 |
| Features | 7 | 5 |
| 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 9 months |
| Regular APR | — | 16.24% - 24.24% (Variable) |
| 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
PNC Visa Business Credit Card in one paragraph
The PNC Visa Business Credit Card is a no-frills, low-interest utility tool for owners who value cheap capital over rewards points.
Skip it if: You pay your balance in full every month and want to earn cash back or travel points.
Frequently asked questions
Which is better, CitiBusiness / AAdvantage Platinum Select Mastercard or PNC Visa Business Credit Card?
On our five-axis scorecard, CitiBusiness / AAdvantage Platinum Select Mastercard scores higher (7.1/10 vs 6.9/10). 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 PNC Visa Business Credit Card?
You pay your balance in full every month and want to earn cash back or travel points.