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Side-by-side

The Business Platinum Card from Amex vs Citi AAdvantage Platinum Select

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/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 The Business Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($1,580 more in estimated value) than the Citi AAdvantage Platinum Select's. Get the The Business Platinum Card from Amex first; revisit the Citi AAdvantage Platinum Select after you've earned that bonus.

FeatureThe Business Platinum Card from AmexCiti AAdvantage Platinum Select
Annual fee$895$99
Sign-up bonus150,000 Membership Rewards points80,000 miles
Bonus value (est.)$2,700$1,120
Min spend to unlock bonus$20,000 in 3 mo$3,500 in 4 mo
IssuerAmerican ExpressCiti
Card categorybusinesstravel
Best earning category (Flights_hotels_amextravel)5x1x
Transfer partnersamex-mrNone
Headline benefits
  • 150k MR bonus
  • $910 in shopping credits
  • Centurion lounge access
  • 35% flight rebate
  • Free checked bag
  • Priority boarding
  • 2x on AA + dining + gas
  • First year free
Read the full review
The Business Platinum Card from Amex
$895/yr · 150,000 Membership Rewards points
Read the full review
Citi AAdvantage Platinum Select
$99/yr · 80,000 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: 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, The Business Platinum Card from Amex or Citi AAdvantage Platinum Select?
The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus 80,000 miles (~$1,120) on the Citi AAdvantage Platinum Select.
Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the Citi AAdvantage Platinum Select?
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 Citi AAdvantage Platinum Select at $99/yr trades some perks for a lower commitment.
Can I have both the The Business Platinum Card from Amex 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 The Business Platinum Card from Amex or the Citi AAdvantage Platinum Select 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. 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.