Citizens Bank Business Platinum Mastercard vs United Club Business Card: which one fits your business?
Side-by-side comparison of Citizens Bank Business Platinum Mastercard and United Club Business Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: United Club Business Card wins on our scorecard (7.7/10 vs 6.3/10).
| Scored on | Citizens Bank Business Platinum Mastercard | United Club Business Card |
|---|---|---|
| Right fit for small biz | 6 | 9 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 5 | 7 |
| Features | 4 | 9 |
| Annual Fee | $0 | $525 |
| Intro Purchase APR | 0% for 12 months | — |
| Foreign Transaction Fee | 3% | $0 |
| Late Payment Fee | Up to $40 | Up to $40 |
| 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
United Club Business Card in one paragraph
The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
Skip it if: You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.
Frequently asked questions
Which is better, Citizens Bank Business Platinum Mastercard or United Club Business Card?
On our five-axis scorecard, United Club Business Card scores higher (7.7/10 vs 6.3/10). The ultimate 'office in the sky' tool for United loyalists that pays for itself through bag fees and lounge productivity.
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 Club Business Card?
You fly less than four times a year or primarily use low-cost carriers like Southwest or Spirit.