Citizens Bank Business Platinum Mastercard vs Southwest Rapid Rewards Performance Business Credit Card: which one fits your business?
Side-by-side comparison of Citizens Bank Business Platinum Mastercard and Southwest Rapid Rewards Performance Business Credit Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Southwest Rapid Rewards Performance Business Credit Card wins on our scorecard (8/10 vs 6.3/10).
| Scored on | Citizens Bank Business Platinum Mastercard | Southwest Rapid Rewards Performance Business Credit Card |
|---|---|---|
| Right fit for small biz | 6 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 7 |
| Customer support | 5 | 7 |
| Features | 4 | 9 |
| Annual Fee | $0 | $199 |
| Intro Purchase APR | 0% for 12 months | — |
| Foreign Transaction Fee | 3% | $0 |
| Late Payment Fee | Up to $40 | — |
| Employee Cards | — | $0 |
| Late Payment | — | Up to $40 |
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
Southwest Rapid Rewards Performance Business Credit Card in one paragraph
The ultimate domestic travel tool for business owners who spend heavily on digital ads and want to fly a partner for free via the Companion Pass.
Skip it if: You primarily fly international routes or your business spend is mostly at physical retail stores rather than online services.
Read the full Southwest Rapid Rewards Performance Business Credit Card review
Frequently asked questions
Which is better, Citizens Bank Business Platinum Mastercard or Southwest Rapid Rewards Performance Business Credit Card?
On our five-axis scorecard, Southwest Rapid Rewards Performance Business Credit Card scores higher (8/10 vs 6.3/10). The ultimate domestic travel tool for business owners who spend heavily on digital ads and want to fly a partner for free via the Companion Pass.
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 Southwest Rapid Rewards Performance Business Credit Card?
You primarily fly international routes or your business spend is mostly at physical retail stores rather than online services.