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Side-by-side
Apple Card vs CitiBusiness / AAdvantage Platinum Select Mastercard
Both are well-respected travel cards. The Apple Card comes from Goldman Sachs at $0/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 CitiBusiness / AAdvantage Platinum Select Mastercard is the stronger pick today, the sign-up bonus is meaningfully larger ($1,073 more in estimated value) than the Apple Card's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Apple Card after you've earned that bonus.
| Feature | Apple Card | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | 65,000 miles | |
| Bonus value (est.) | - | $1,073 |
| Min spend to unlock bonus | - | $4,000 in 4 mo |
| Issuer | Goldman Sachs | Citi |
| Card category | cashback | travel |
| Transfer partners | None | aadvantage |
| Headline benefits |
Read the full review
Apple Card
$0/yr ·
Read the full review
CitiBusiness / AAdvantage Platinum Select Mastercard
$99/yr · 65,000 miles
Editorial take: CitiBusiness / AAdvantage Platinum Select Mastercard
Common questions
- Which card has the bigger sign-up bonus, Apple Card or CitiBusiness / AAdvantage Platinum Select Mastercard?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has a public bonus (65,000 miles, worth roughly $1,073), while the Apple Card doesn't advertise one right now.
- Is the Apple Card's $0 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
- The Apple Card has no annual fee, so the question is whether the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 fee is justified by its perks. If you'll use enough of the CitiBusiness / AAdvantage Platinum Select Mastercard's benefits to clear $99 in value annually, it's worth it; otherwise stick with the Apple Card.
- Can I have both the Apple Card and CitiBusiness / AAdvantage Platinum Select Mastercard?
- Yes, since they're from different issuers (Goldman Sachs 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 Apple Card or the CitiBusiness / AAdvantage Platinum Select Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Apple Card: no published min spend. 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.