CitiBusiness / AAdvantage Platinum Select Mastercard vs U.S. Bank Triple Cash Rewards: which one fits your business?
Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard and U.S. Bank Triple Cash Rewards — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: U.S. Bank Triple Cash Rewards wins on our scorecard (7.8/10 vs 7.1/10).
| Scored on | CitiBusiness / AAdvantage Platinum Select Mastercard | U.S. Bank Triple Cash Rewards |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 8 | 9 |
| Customer support | 5 | 6 |
| Features | 7 | 8 |
| Annual Fee | $99 (waived first year) | $0 |
| Foreign Transaction Fee | $0 | 3% |
| Purchase APR | 21.24% - 29.24% (Variable) | — |
| Employee Cards | $0 | — |
| Intro APR | — | 0% for 12 months |
| Software Credit | — | $100 annually |
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
U.S. Bank Triple Cash Rewards in one paragraph
The U.S. Bank Triple Cash Rewards is the best no-fee option for service-based businesses that spend heavily on fuel and office supplies.
Skip it if: Skip it if you do most of your business spending at wholesale clubs like Costco or if you need to carry a balance long-term beyond the intro period.
Frequently asked questions
Which is better, CitiBusiness / AAdvantage Platinum Select Mastercard or U.S. Bank Triple Cash Rewards?
On our five-axis scorecard, U.S. Bank Triple Cash Rewards scores higher (7.8/10 vs 7.1/10). The U.S. Bank Triple Cash Rewards is the best no-fee option for service-based businesses that spend heavily on fuel and office supplies.
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 U.S. Bank Triple Cash Rewards?
Skip it if you do most of your business spending at wholesale clubs like Costco or if you need to carry a balance long-term beyond the intro period.