Citizens Bank Business Platinum Mastercard vs United Business Card: which one fits your business?
Side-by-side comparison of Citizens Bank Business Platinum Mastercard and United Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: United Business Card wins on our scorecard (7.3/10 vs 6.3/10).
| Scored on | Citizens Bank Business Platinum Mastercard | United Business Card |
|---|---|---|
| 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 | $99 (often $0 for the first year) |
| Intro Purchase APR | 0% for 12 months | — |
| Foreign Transaction Fee | 3% | $0 |
| Late Payment Fee | Up to $40 | Up to $40 |
| Employee Card Fee | — | $0 |
| Purchase APR | — | 21.49% - 28.49% 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
United Business Card in one paragraph
A reliable workhorse for United loyalists that pays for itself through waived bag fees and expanded award seat access.
Skip it if: You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.
Frequently asked questions
Which is better, Citizens Bank Business Platinum Mastercard or United Business Card?
On our five-axis scorecard, United Business Card scores higher (7.3/10 vs 6.3/10). A reliable workhorse for United loyalists that pays for itself through waived bag fees and expanded award seat access.
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 United Business Card?
You primarily fly other airlines or prefer simple cash back to complicated airline mile redemption math.