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Southwest Rapid Rewards Plus vs CitiBusiness / AAdvantage Platinum Select Mastercard

Both are travel travel cards. The Southwest Rapid Rewards Plus comes from Chase at $99/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 Southwest Rapid Rewards Plus's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Southwest Rapid Rewards Plus after you've earned that bonus.

FeatureSouthwest Rapid Rewards PlusCitiBusiness / AAdvantage Platinum Select Mastercard
Annual fee$99$99
Sign-up bonus50,000 bonus points65,000 miles
Bonus value (est.)-$1,073
Min spend to unlock bonus$1,000 in 3 mo$4,000 in 4 mo
IssuerChaseCiti
Card categorytraveltravel
Best earning category (Travel)2x2x
Transfer partnersNoneaadvantage
Headline benefits
  • $99 fee (post-2025 refresh)
  • 3k anniversary points
  • Free first checked bag
  • Companion Pass qualifying
    Read the full review
    Southwest Rapid Rewards Plus
    $99/yr · 50,000 bonus points
    Read the full review
    CitiBusiness / AAdvantage Platinum Select Mastercard
    $99/yr · 65,000 miles

    Editorial take: Southwest Rapid Rewards Plus

    The entry-level Southwest card after the 2025 refresh raised the fee to $99. Worth it primarily if you're chasing the Companion Pass; the Priority card delivers more value if you fly Southwest 2+ times per year.

    Editorial take: CitiBusiness / AAdvantage Platinum Select Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Southwest Rapid Rewards Plus or CitiBusiness / AAdvantage Platinum Select Mastercard?
    The CitiBusiness / AAdvantage Platinum Select Mastercard has a public bonus (65,000 miles, worth roughly $1,073), while the Southwest Rapid Rewards Plus doesn't advertise one right now.
    Is the Southwest Rapid Rewards Plus's $99 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
    At $99/yr, the Southwest Rapid Rewards Plus is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the CitiBusiness / AAdvantage Platinum Select Mastercard's, pick the one whose perks you'll actually use.
    Can I have both the Southwest Rapid Rewards Plus and CitiBusiness / AAdvantage Platinum Select Mastercard?
    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 Southwest Rapid Rewards Plus or the CitiBusiness / AAdvantage Platinum Select Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Southwest Rapid Rewards Plus: $1,000 spend in 3 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.