Citizens Bank Business Platinum Mastercard vs Delta SkyMiles Reserve Business American Express Card: which one fits your business?
Side-by-side comparison of Citizens Bank Business Platinum Mastercard and Delta SkyMiles Reserve Business American Express Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Delta SkyMiles Reserve Business American Express Card wins on our scorecard (7.2/10 vs 6.3/10).
| Scored on | Citizens Bank Business Platinum Mastercard | Delta SkyMiles Reserve Business American Express Card |
|---|---|---|
| Right fit for small biz | 6 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 5 |
| Customer support | 5 | 7 |
| Features | 4 | 9 |
| Annual Fee | $0 | $650 |
| Intro Purchase APR | 0% for 12 months | — |
| Foreign Transaction Fee | 3% | $0 |
| Late Payment Fee | Up to $40 | Up to $40 |
| Purchase APR | — | 21.24% - 29.24% (Variable) |
Citizens Bank Business Platinum Mastercard in one paragraph
A utilitarian tool for zero-interest financing that lacks the rewards needed to be a primary business spender.
Skip it if: You want to earn cash back or travel points on your daily business expenses.
Read the full Citizens Bank Business Platinum Mastercard review
Delta SkyMiles Reserve Business American Express Card in one paragraph
A high-priced status engine that makes sense only for Delta-dependent owners spending over $60k annually.
Skip it if: Skip it if you don't live near a Delta hub or your annual business spend is under $30,000.
Read the full Delta SkyMiles Reserve Business American Express Card review
Frequently asked questions
Which is better, Citizens Bank Business Platinum Mastercard or Delta SkyMiles Reserve Business American Express Card?
On our five-axis scorecard, Delta SkyMiles Reserve Business American Express Card scores higher (7.2/10 vs 6.3/10). A high-priced status engine that makes sense only for Delta-dependent owners spending over $60k annually.
Who should skip Citizens Bank Business Platinum Mastercard?
You want to earn cash back or travel points on your daily business expenses.
Who should skip Delta SkyMiles Reserve Business American Express Card?
Skip it if you don't live near a Delta hub or your annual business spend is under $30,000.