Citizens Bank Business Platinum Mastercard vs Hilton Honors American Express Business Card: which one fits your business?
Side-by-side comparison of Citizens Bank Business Platinum Mastercard and Hilton Honors American Express Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Hilton Honors American Express Business Card wins on our scorecard (7.4/10 vs 6.3/10).
| Scored on | Citizens Bank Business Platinum Mastercard | Hilton Honors American Express Business Card |
|---|---|---|
| Right fit for small biz | 6 | 7 |
| Ease of use | 7 | 9 |
| Fees & pricing | 9 | 6 |
| Customer support | 5 | 7 |
| Features | 4 | 8 |
| Annual Fee | $0 | $195 |
| Intro Purchase APR | 0% for 12 months | — |
| Foreign Transaction Fee | 3% | $0 |
| Late Payment Fee | Up to $40 | Up to $40 |
| Purchase APR | — | 20.99% - 29.99% 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
Hilton Honors American Express Business Card in one paragraph
A powerhouse for Hilton loyalists that pays for itself through Gold status, though the $100k spend cap limits its utility for high-growth firms.
Skip it if: You don't stay at Hilton hotels or your annual business spend exceeds $100,000 in non-travel categories.
Read the full Hilton Honors American Express Business Card review
Frequently asked questions
Which is better, Citizens Bank Business Platinum Mastercard or Hilton Honors American Express Business Card?
On our five-axis scorecard, Hilton Honors American Express Business Card scores higher (7.4/10 vs 6.3/10). A powerhouse for Hilton loyalists that pays for itself through Gold status, though the $100k spend cap limits its utility for high-growth firms.
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 Hilton Honors American Express Business Card?
You don't stay at Hilton hotels or your annual business spend exceeds $100,000 in non-travel categories.