CitiBusiness / AAdvantage Platinum Select Mastercard vs Ramp Card: which one fits your business?
Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard and Ramp Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.5/10 vs 7.1/10).
| Scored on | CitiBusiness / AAdvantage Platinum Select Mastercard | Ramp Card |
|---|---|---|
| Right fit for small biz | 8 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 8 | 10 |
| Customer support | 5 | 7 |
| Features | 7 | 9 |
| Annual Fee | $99 (waived first year) | $0 |
| Foreign Transaction Fee | $0 | None |
| Purchase APR | 21.24% - 29.24% (Variable) | — |
| Employee Cards | $0 | — |
| Additional Employee Cards | — | $0 |
| Late Payment Fee | — | Varies by contract |
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
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Frequently asked questions
Which is better, CitiBusiness / AAdvantage Platinum Select Mastercard or Ramp Card?
On our five-axis scorecard, Ramp Card scores higher (8.5/10 vs 7.1/10). Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
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 Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.