CitiBusiness / AAdvantage Platinum Select Mastercard vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard and The Plum Card from American Express — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: The Plum Card from American Express wins on our scorecard (7.3/10 vs 7.1/10).
| Scored on | CitiBusiness / AAdvantage Platinum Select Mastercard | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 7 |
| Customer support | 5 | 6 |
| Features | 7 | 8 |
| Annual Fee | $99 (waived first year) | $250 (waived first year) |
| Foreign Transaction Fee | $0 | $0 |
| Purchase APR | 21.24% - 29.24% (Variable) | — |
| Employee Cards | $0 | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | Up to 2.99% of past due amount |
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
The Plum Card from American Express in one paragraph
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
Frequently asked questions
Which is better, CitiBusiness / AAdvantage Platinum Select Mastercard or The Plum Card from American Express?
On our five-axis scorecard, The Plum Card from American Express scores higher (7.3/10 vs 7.1/10). The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
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 The Plum Card from American Express?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.