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Side-by-side

Delta SkyMiles Reserve Business American Express Card vs Citi AAdvantage Platinum Select

Both are well-respected travel cards. The Delta SkyMiles Reserve Business American Express Card comes from American Express at $650/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

If you're not sure you'll use premium perks, start with the Citi AAdvantage Platinum Select, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureDelta SkyMiles Reserve Business American Express CardCiti AAdvantage Platinum Select
Annual fee$650$99
Sign-up bonus70,000 miles60,000 miles
Bonus value (est.)$840$840
Min spend to unlock bonus$6,000 in 6 mo$3,500 in 4 mo
IssuerAmerican ExpressCiti
Card categoryairlinetravel
Best earning category (Delta)3x1x
Transfer partnersNoneNone
Headline benefits
  • 15 Sky Club visits/year
  • First-class companion cert
  • $20/mo resy credit
  • MQD Headstart
  • Free checked bag
  • Priority boarding
  • 2x on AA + dining + gas
  • First year free
Read the full review
Delta SkyMiles Reserve Business American Express Card
$650/yr · 70,000 miles
Read the full review
Citi AAdvantage Platinum Select
$99/yr · 60,000 miles

Editorial take: Delta SkyMiles Reserve Business American Express Card

Premium Delta business. Sky Club + first-class companion cert combined typically cover the fee for couples on a single trip. Stack with personal Delta Reserve only if you really want unlimited Sky Club.

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, Delta SkyMiles Reserve Business American Express Card or Citi AAdvantage Platinum Select?
The two cards offer comparable sign-up bonuses around $840. Pick based on which earning categories you actually use.
Is the Delta SkyMiles Reserve Business American Express Card's $650 annual fee worth it compared to the Citi AAdvantage Platinum Select?
Premium cards like the Delta SkyMiles Reserve Business American Express Card ($650/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $650+ 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 Delta SkyMiles Reserve Business American Express Card 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 Delta SkyMiles Reserve Business American Express Card or the Citi AAdvantage Platinum Select first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Reserve Business American Express Card: $6,000 spend in 6 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.