Citizens Bank Business Platinum Mastercard vs Ramp Card: which one fits your business?
Side-by-side comparison of Citizens Bank Business Platinum Mastercard and Ramp Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Ramp Card wins on our scorecard (8.5/10 vs 6.3/10).
| Scored on | Citizens Bank Business Platinum Mastercard | Ramp Card |
|---|---|---|
| Right fit for small biz | 6 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 10 |
| Customer support | 5 | 7 |
| Features | 4 | 9 |
| Annual Fee | $0 | $0 |
| Intro Purchase APR | 0% for 12 months | — |
| Foreign Transaction Fee | 3% | None |
| Late Payment Fee | Up to $40 | Varies by contract |
| Additional Employee Cards | — | $0 |
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
Ramp Card in one paragraph
Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
Skip it if: Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.
Frequently asked questions
Which is better, Citizens Bank Business Platinum Mastercard or Ramp Card?
On our five-axis scorecard, Ramp Card scores higher (8.5/10 vs 6.3/10). Ramp is the gold standard for mid-sized businesses looking to kill administrative overhead and secure 1.5% cash back without risking personal credit.
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 Ramp Card?
Skip it if you are a sole proprietor or your business bank balance consistently sits below $75,000.