Amex Business Platinum Card vs CitiBusiness / AAdvantage Platinum Select Mastercard

Side-by-side comparison of Amex Business Platinum Card and CitiBusiness / AAdvantage Platinum Select Mastercard. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Amex Business Platinum Card	CitiBusiness / AAdvantage Platinum Select Mastercard
Issuer	American Express	Citi
Network	American Express	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$895.00	$99.00
Base Rate	1.00%	1.00%
Travel Rewards	0.00x	2.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Travel	5.0%	2.0%
Large Purchases	1.5%	1.0% (base)
Gas Stations	1.0% (base)	2.0%
Telecommunications	1.0% (base)	2.0%
Airline	1.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	20 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	10.99% - 21.74%	21.24% - 29.99%
Cash Advance APR	28.74%	29.99%
Penalty APR	29.99%	29.99%
Late Fee	$40	$41
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	Primary (when renting for business purposes)
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard