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BECU Business Low Rate Credit Card vs Citi AAdvantage Platinum Select
Both are well-respected travel cards. The BECU Business Low Rate Credit Card comes from BECU at $0/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 Citi AAdvantage Platinum Select is the stronger pick today, the sign-up bonus is meaningfully larger ($840 more in estimated value) than the BECU Business Low Rate Credit Card's. Get the Citi AAdvantage Platinum Select first; revisit the BECU Business Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Business Low Rate Credit Card | Citi AAdvantage Platinum Select |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | No welcome bonus | 60,000 miles |
| Bonus value (est.) | $0 | $840 |
| Min spend to unlock bonus | $0 in 0 mo | $3,500 in 4 mo |
| Issuer | BECU | Citi |
| Card category | low-interest | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
BECU Business Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Citi AAdvantage Platinum Select
$99/yr · 60,000 miles
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, BECU Business Low Rate Credit Card or Citi AAdvantage Platinum Select?
- The Citi AAdvantage Platinum Select has the bigger bonus, 60,000 miles, worth roughly $840, 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 Citi AAdvantage Platinum Select?
- The BECU Business Low Rate Credit Card has no annual fee, so the question is whether the Citi AAdvantage Platinum Select's $99 fee is justified by its perks. If you'll use enough of the Citi AAdvantage Platinum Select'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 Citi AAdvantage Platinum Select?
- 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 Citi AAdvantage Platinum Select 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. 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.