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Chase Sapphire Preferred vs Citi AAdvantage Platinum Select

Both are travel travel cards. The Chase Sapphire Preferred comes from Chase 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 Chase Sapphire Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($660 more in estimated value) than the Citi AAdvantage Platinum Select's. Get the Chase Sapphire Preferred first; revisit the Citi AAdvantage Platinum Select after you've earned that bonus.

FeatureChase Sapphire PreferredCiti AAdvantage Platinum Select
Annual fee$95$99
Sign-up bonus75,000 points60,000 miles
Bonus value (est.)$1,500$840
Min spend to unlock bonus$5,000 in 3 mo$3,500 in 4 mo
IssuerChaseCiti
Card categorytraveltravel
Best earning category (Travel)5x1x
Transfer partnerschase-urNone
Headline benefits
  • 5x on travel booked via Chase
  • 3x on dining & streaming
  • $50 annual hotel credit
  • Transfer to 13 partners (Hyatt 1:1)
  • Free checked bag
  • Priority boarding
  • 2x on AA + dining + gas
  • First year free
Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 points
Read the full review
Citi AAdvantage Platinum Select
$99/yr · 60,000 miles

Editorial take: Chase Sapphire Preferred

The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.

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, Chase Sapphire Preferred or Citi AAdvantage Platinum Select?
The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, versus 60,000 miles (~$840) on the Citi AAdvantage Platinum Select.
Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the Citi AAdvantage Platinum Select?
At $95/yr, the Chase Sapphire Preferred 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 Chase Sapphire Preferred and Citi AAdvantage Platinum Select?
Yes, since they're from different issuers (Chase 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 Chase Sapphire Preferred or the Citi AAdvantage Platinum Select first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 spend in 3 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.