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The Business Platinum Card from Amex vs CitiBusiness / AAdvantage Platinum Select Mastercard

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the CitiBusiness / AAdvantage Platinum Select Mastercard 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 The Business Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($1,627 more in estimated value) than the CitiBusiness / AAdvantage Platinum Select Mastercard's. Get the The Business Platinum Card from Amex first; revisit the CitiBusiness / AAdvantage Platinum Select Mastercard after you've earned that bonus.

FeatureThe Business Platinum Card from AmexCitiBusiness / AAdvantage Platinum Select Mastercard
Annual fee$895$99
Sign-up bonus150,000 Membership Rewards points65,000 miles
Bonus value (est.)$2,700$1,073
Min spend to unlock bonus$20,000 in 3 mo$4,000 in 4 mo
IssuerAmerican ExpressCiti
Card categorybusinesstravel
Best earning category (Flights_hotels_amextravel)5x1x
Transfer partnersamex-mraadvantage
Headline benefits
  • 150k MR bonus
  • $910 in shopping credits
  • Centurion lounge access
  • 35% flight rebate
    Read the full review
    The Business Platinum Card from Amex
    $895/yr · 150,000 Membership Rewards points
    Read the full review
    CitiBusiness / AAdvantage Platinum Select Mastercard
    $99/yr · 65,000 miles

    Editorial take: The Business Platinum Card from Amex

    Only worth it if you'll actually use the Dell, Indeed, and Adobe credits, they total $910 per year but require repeat spending at each vendor. If you do, this is the most credit-rich card on the market.

    Editorial take: CitiBusiness / AAdvantage Platinum Select Mastercard

    Common questions

    Which card has the bigger sign-up bonus, The Business Platinum Card from Amex or CitiBusiness / AAdvantage Platinum Select Mastercard?
    The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus 65,000 miles (~$1,073) on the CitiBusiness / AAdvantage Platinum Select Mastercard.
    Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
    Premium cards like the The Business Platinum Card from Amex ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The CitiBusiness / AAdvantage Platinum Select Mastercard at $99/yr trades some perks for a lower commitment.
    Can I have both the The Business Platinum Card from Amex and CitiBusiness / AAdvantage Platinum Select Mastercard?
    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 The Business Platinum Card from Amex or the CitiBusiness / AAdvantage Platinum Select Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. The Business Platinum Card from Amex: $20,000 spend in 3 months. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 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.