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 (7.3/10 vs 6.3/10).
| Scored on | Citizens Bank Business Platinum Mastercard | The Plum Card from American Express |
|---|---|---|
| Right fit for small biz | 6 | 8 |
| Ease of use | 7 | 7 |
| Fees & pricing | 9 | 7 |
| Customer support | 5 | 6 |
| Features | 4 | 8 |
| Annual Fee | $0 | $250 (waived first year) |
| 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 | — | Up to 2.99% of past due amount |
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
The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
Skip it if: Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.
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 (7.3/10 vs 6.3/10). The Plum Card is a powerful liquidity tool for inventory-heavy businesses that value payment flexibility over travel perks.
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?
Skip it if you spend less than $14,000 a month or want to earn travel points for your business spending.