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Sapphire Reserve for Business vs Citi AAdvantage Platinum Select
Both are well-respected travel cards. The Sapphire Reserve for Business comes from Chase at $795/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 Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($1,755 more in estimated value) than the Citi AAdvantage Platinum Select's. Get the Sapphire Reserve for Business first; revisit the Citi AAdvantage Platinum Select after you've earned that bonus.
| Feature | Sapphire Reserve for Business | Citi AAdvantage Platinum Select |
|---|---|---|
| Annual fee | $795 | $99 |
| Sign-up bonus | 150,000 points | 60,000 miles |
| Bonus value (est.) | $2,595 | $840 |
| Min spend to unlock bonus | $20,000 in 3 mo | $3,500 in 4 mo |
| Issuer | Chase | Citi |
| Card category | business | travel |
| Best earning category (Chase_travel) | 8x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
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Read the full review
Sapphire Reserve for Business
$795/yr · 150,000 points
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, Sapphire Reserve for Business or Citi AAdvantage Platinum Select?
- The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus 60,000 miles (~$840) on the Citi AAdvantage Platinum Select.
- Is the Sapphire Reserve for Business's $795 annual fee worth it compared to the Citi AAdvantage Platinum Select?
- Premium cards like the Sapphire Reserve for Business ($795/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $795+ of those credits, the math works. The Citi AAdvantage Platinum Select at $99/yr trades some perks for a lower commitment.
- Can I have both the Sapphire Reserve for Business 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 Sapphire Reserve for Business or the Citi AAdvantage Platinum Select first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sapphire Reserve for Business: $20,000 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.