Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs Citi AAdvantage Platinum Select
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the Citi AAdvantage Platinum Select from Citi at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Business Gold is the stronger pick today, the sign-up bonus is meaningfully larger ($960 more in estimated value) than the Citi AAdvantage Platinum Select's. Get the American Express Business Gold first; revisit the Citi AAdvantage Platinum Select after you've earned that bonus.
| Feature | American Express Business Gold | Citi AAdvantage Platinum Select |
|---|---|---|
| Annual fee | $375 | $99 |
| Sign-up bonus | 100,000 Membership Rewards points | 60,000 miles |
| Bonus value (est.) | $1,800 | $840 |
| Min spend to unlock bonus | $15,000 in 3 mo | $3,500 in 4 mo |
| Issuer | American Express | Citi |
| Card category | business | travel |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
Citi AAdvantage Platinum Select
$99/yr · 60,000 miles
Editorial take: Citi AAdvantage Platinum Select
The free checked bag covers the fee on just one round-trip with a partner. Good if you fly AA more than twice a year, otherwise AAdvantage is worth collecting through other means.
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Citi AAdvantage Platinum Select?
- The American Express Business Gold has the bigger bonus, 100,000 Membership Rewards points, worth roughly $1,800, versus 60,000 miles (~$840) on the Citi AAdvantage Platinum Select.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Citi AAdvantage Platinum Select?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi AAdvantage Platinum Select's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Citi AAdvantage Platinum Select?
- Yes, since they're from different issuers (American Express and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the American Express Business Gold or the Citi AAdvantage Platinum Select first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Citi AAdvantage Platinum Select: $3,500 in 4 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.