CitiBusiness / AAdvantage Platinum Select Mastercard vs United Club Business Card: which one fits your business?
Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard and United Club Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: United Club Business Card wins on our scorecard (7.7/10 vs 7.1/10).
| Scored on | CitiBusiness / AAdvantage Platinum Select Mastercard | United Club Business Card |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 8 | 6 |
| Customer support | 5 | 7 |
| Features | 7 | 9 |
| Annual Fee | $99 (waived first year) | $525 |
| Foreign Transaction Fee | $0 | $0 |
| Purchase APR | 21.24% - 29.24% (Variable) | — |
| Employee Cards | $0 | $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 Club Business Card in one paragraph
The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
Skip it if: You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.
Frequently asked questions
Which is better, CitiBusiness / AAdvantage Platinum Select Mastercard or United Club Business Card?
On our five-axis scorecard, United Club Business Card scores higher (7.7/10 vs 7.1/10). The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
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 Club Business Card?
You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.