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Side-by-side

United Club Business Card vs Citi AAdvantage Platinum Select

Both are well-respected travel cards. The United Club Business Card comes from Chase at $695/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 United Club Business Card 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 United Club Business Card first; revisit the Citi AAdvantage Platinum Select after you've earned that bonus.

FeatureUnited Club Business CardCiti AAdvantage Platinum Select
Annual fee$695$99
Sign-up bonus100,000 miles + 2,000 PQP60,000 miles
Bonus value (est.)$1,500$840
Min spend to unlock bonus$5,000 in 3 mo$3,500 in 4 mo
IssuerChaseCiti
Card categorybusinesstravel
Best earning category (United)2x1x
Transfer partnersNoneNone
Headline benefits
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
  • Free checked bag
  • Priority boarding
  • 2x on AA + dining + gas
  • First year free
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Read the full review
Citi AAdvantage Platinum Select
$99/yr · 60,000 miles

Editorial take: United Club Business Card

Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

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, United Club Business Card or Citi AAdvantage Platinum Select?
The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 60,000 miles (~$840) on the Citi AAdvantage Platinum Select.
Is the United Club Business Card's $695 annual fee worth it compared to the Citi AAdvantage Platinum Select?
Premium cards like the United Club Business Card ($695/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ 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 United Club Business Card 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 United Club Business Card or the Citi AAdvantage Platinum Select first?
Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Business Card: $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.