Citizens Bank Business Platinum Mastercard vs The Plum Card from American Express: which one fits your business?
Side-by-side comparison of Citizens Bank Business Platinum Mastercard and The Plum Card from American Express — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: The Plum Card from American Express wins on our scorecard (7.1/10 vs 6.3/10).
| Scored on | Citizens Bank Business Platinum Mastercard | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 6 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 5 | 6 |
| Features | 4 | 8 |
| Annual Fee | $0 | $250 |
| Intro Purchase APR | 0% for 12 months | — |
| Foreign Transaction Fee | 3% | $0 |
| Late Payment Fee | Up to $40 | — |
| Early Pay Discount | — | 1.5% |
| Late Fee | — | $39 or 2.99% |
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
The Plum Card from American Express in one paragraph
A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
Skip it if: You have steady cash flow and can always pay your balance in full within 30 days.
Frequently asked questions
Which is better, Citizens Bank Business Platinum Mastercard or The Plum Card from American Express?
On our five-axis scorecard, The Plum Card from American Express scores higher (7.1/10 vs 6.3/10). A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
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 The Plum Card from American Express?
You have steady cash flow and can always pay your balance in full within 30 days.