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Side-by-side
Chime Credit Builder Secured Visa vs CitiBusiness / AAdvantage Platinum Select Mastercard
Both are well-respected travel cards. The Chime Credit Builder Secured Visa comes from Chime at $0/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 Chime Credit Builder Secured Visa's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Chime Credit Builder Secured Visa after you've earned that bonus.
| Feature | Chime Credit Builder Secured Visa | CitiBusiness / AAdvantage Platinum Select Mastercard |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | None | 65,000 miles |
| Bonus value (est.) | $0 | $1,073 |
| Min spend to unlock bonus | $0 in 0 mo | $4,000 in 4 mo |
| Issuer | Chime | Citi |
| Card category | secured | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | aadvantage |
| Headline benefits |
Read the full review
Chime Credit Builder Secured Visa
$0/yr · None
Read the full review
CitiBusiness / AAdvantage Platinum Select Mastercard
$99/yr · 65,000 miles
Editorial take: CitiBusiness / AAdvantage Platinum Select Mastercard
Common questions
- Which card has the bigger sign-up bonus, Chime Credit Builder Secured Visa or CitiBusiness / AAdvantage Platinum Select Mastercard?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus None (~$0) on the Chime Credit Builder Secured Visa.
- Is the Chime Credit Builder Secured Visa's $0 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
- The Chime Credit Builder Secured Visa has no annual fee, so the question is whether the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 fee is justified by its perks. If you'll use enough of the CitiBusiness / AAdvantage Platinum Select Mastercard's benefits to clear $99 in value annually, it's worth it; otherwise stick with the Chime Credit Builder Secured Visa.
- Can I have both the Chime Credit Builder Secured Visa and CitiBusiness / AAdvantage Platinum Select Mastercard?
- Yes, since they're from different issuers (Chime 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 Chime Credit Builder Secured Visa or the CitiBusiness / AAdvantage Platinum Select Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chime Credit Builder Secured Visa: $0 spend in 0 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.