CitiBusiness / AAdvantage Platinum Select Mastercard vs United Business Card: which one fits your business?
Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: United Business Card wins on our scorecard (7.4/10 vs 7.1/10).
| Scored on | CitiBusiness / AAdvantage Platinum Select Mastercard | United Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 8 |
| Customer support | 5 | 6 |
| Features | 7 | 7 |
| Annual Fee | $99 (waived first year) | $99 ($0 first year) |
| Foreign Transaction Fee | $0 | $0 |
| Purchase APR | 21.24% - 29.24% (Variable) | 21.49% - 28.49% 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
United Business Card in one paragraph
A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary credits.
Skip it if: You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.
Frequently asked questions
Which is better, CitiBusiness / AAdvantage Platinum Select Mastercard or United Business Card?
On our five-axis scorecard, United Business Card scores higher (7.4/10 vs 7.1/10). A top-tier choice for United loyalists that pays for itself through bag fee waivers and anniversary 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 United Business Card?
You don't live near a United hub or you prefer flying whichever airline is cheapest on Expedia.