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Side-by-side
BECU Business Low Rate Credit Card vs CitiBusiness / AAdvantage Platinum Select Mastercard
Both are well-respected travel cards. The BECU Business Low Rate Credit Card comes from BECU 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 BECU Business Low Rate Credit Card's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the BECU Business Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Business Low Rate Credit Card | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | No welcome bonus | 65,000 miles |
| Bonus value (est.) | $0 | $1,073 |
| Min spend to unlock bonus | $0 in 0 mo | $4,000 in 4 mo |
| Issuer | BECU | Citi |
| Card category | low-interest | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | aadvantage |
| Headline benefits |
Read the full review
BECU Business Low Rate Credit Card
$0/yr · No welcome bonus
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, BECU Business Low Rate Credit Card or CitiBusiness / AAdvantage Platinum Select Mastercard?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus No welcome bonus (~$0) on the BECU Business Low Rate Credit Card.
- Is the BECU Business Low Rate Credit Card's $0 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
- The BECU Business Low Rate Credit 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 BECU Business Low Rate Credit Card.
- Can I have both the BECU Business Low Rate Credit Card and CitiBusiness / AAdvantage Platinum Select Mastercard?
- Yes, since they're from different issuers (BECU 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 BECU Business Low Rate Credit Card or the CitiBusiness / AAdvantage Platinum Select Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Business Low Rate Credit Card: $0 spend in 0 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.