Editorial take: Bank of America Premium Rewards
Only a standout if you're a BoA Preferred Rewards member, that boost can push earnings to 2.625x on everything, 3.5x on travel and dining. Without it, Venture and Sapphire both beat it.
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Side-by-side
Bank of America Premium Rewards vs Citi AAdvantage Platinum Select
Both are travel travel cards. The Bank of America Premium Rewards comes from Bank of America at $95/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 Bank of America Premium Rewards's. Get the Citi AAdvantage Platinum Select first; revisit the Bank of America Premium Rewards after you've earned that bonus.
| Feature | Bank of America Premium Rewards | Citi AAdvantage Platinum Select |
|---|---|---|
| Annual fee | $95 | $99 |
| Sign-up bonus | Not advertised | 60,000 miles |
| Bonus value (est.) | - | $840 |
| Min spend to unlock bonus | - | $3,500 in 4 mo |
| Issuer | Bank of America | Citi |
| Card category | travel | travel |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Bank of America Premium Rewards
$95/yr ·
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, Bank of America Premium Rewards or Citi AAdvantage Platinum Select?
- The Citi AAdvantage Platinum Select has a public bonus (60,000 miles, worth roughly $840), while the Bank of America Premium Rewards doesn't advertise one right now.
- Is the Bank of America Premium Rewards's $95 annual fee worth it compared to the Citi AAdvantage Platinum Select?
- At $95/yr, the Bank of America Premium Rewards is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi AAdvantage Platinum Select's, pick the one whose perks you'll actually use.
- Can I have both the Bank of America Premium Rewards and Citi AAdvantage Platinum Select?
- Yes, since they're from different issuers (Bank of America 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 Bank of America Premium Rewards or the Citi AAdvantage Platinum Select first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Premium Rewards: no published min spend. 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.