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Chime Credit Builder Secured Visa vs Citi AAdvantage Platinum Select
Both are well-respected travel cards. The Chime Credit Builder Secured Visa comes from Chime at $0/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 Citi AAdvantage Platinum Select is the stronger pick today, the sign-up bonus is meaningfully larger ($840 more in estimated value) than the Chime Credit Builder Secured Visa's. Get the Citi AAdvantage Platinum Select first; revisit the Chime Credit Builder Secured Visa after you've earned that bonus.
| Feature | Chime Credit Builder Secured Visa | Citi AAdvantage Platinum Select |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | None | 60,000 miles |
| Bonus value (est.) | $0 | $840 |
| Min spend to unlock bonus | $0 in 0 mo | $3,500 in 4 mo |
| Issuer | Chime | Citi |
| Card category | secured | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Chime Credit Builder Secured Visa
$0/yr · None
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, Chime Credit Builder Secured Visa or Citi AAdvantage Platinum Select?
- The Citi AAdvantage Platinum Select has the bigger bonus, 60,000 miles, worth roughly $840, 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 Citi AAdvantage Platinum Select?
- The Chime Credit Builder Secured Visa has no annual fee, so the question is whether the Citi AAdvantage Platinum Select's $99 fee is justified by its perks. If you'll use enough of the Citi AAdvantage Platinum Select'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 Citi AAdvantage Platinum Select?
- 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 Citi AAdvantage Platinum Select first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Chime Credit Builder Secured Visa: $0 spend in 0 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.