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 (7.5/10 vs 6.3/10).
| Scored on | Citizens Bank Business Platinum Mastercard | United Club Business Card |
|---|---|---|
| Right fit for small biz | 6 | 7 |
| Ease of use | 7 | 8 |
| Fees & pricing | 9 | 6 |
| Customer support | 5 | 7 |
| Features | 4 | 9 |
| Annual Fee | $0 | $450 |
| Intro Purchase APR | 0% for 12 months | — |
| Foreign Transaction Fee | 3% | $0 |
| Late Payment Fee | Up to $40 | — |
| Purchase APR | — | 21.49%–28.49% (Variable) |
| Late Fee | — | 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
United Club Business Card in one paragraph
A powerhouse for United loyalists who need a mobile office in the lounge, but the $450 fee is a high price for those who don't live in a hub city.
Skip it if: You don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.
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 (7.5/10 vs 6.3/10). A powerhouse for United loyalists who need a mobile office in the lounge, but the $450 fee is a high price for those who don't live in a hub city.
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 don't fly United at least five times a year or you prefer to use multiple different airlines for the lowest price.