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CitiBusiness / AAdvantage Platinum Select Mastercard vs Citi AAdvantage Platinum Select
Both are travel travel cards. The CitiBusiness / AAdvantage Platinum Select Mastercard comes from Citi 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
Both cards come from Citi and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Citi AAdvantage Platinum Select costs $99 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | CitiBusiness / AAdvantage Platinum Select Mastercard | Citi AAdvantage Platinum Select |
|---|---|---|
| Annual fee | $0 | $99 |
| Sign-up bonus | Not advertised | 60,000 miles |
| Bonus value (est.) | - | $840 |
| Min spend to unlock bonus | - | $3,500 in 4 mo |
| Issuer | Citi | Citi |
| Card category | travel | travel |
| Best earning category (Travel) | 2x | 1x |
| Transfer partners | aadvantage | None |
| Headline benefits |
|
Read the full review
CitiBusiness / AAdvantage Platinum Select Mastercard
$0/yr ·
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, CitiBusiness / AAdvantage Platinum Select Mastercard or Citi AAdvantage Platinum Select?
- The Citi AAdvantage Platinum Select has a public bonus (60,000 miles, worth roughly $840), while the CitiBusiness / AAdvantage Platinum Select Mastercard doesn't advertise one right now.
- Is the CitiBusiness / AAdvantage Platinum Select Mastercard's $0 annual fee worth it compared to the Citi AAdvantage Platinum Select?
- The CitiBusiness / AAdvantage Platinum Select Mastercard 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 CitiBusiness / AAdvantage Platinum Select Mastercard.
- Can I have both the CitiBusiness / AAdvantage Platinum Select Mastercard and Citi AAdvantage Platinum Select?
- Yes, though both are issued by Citi so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 CitiBusiness / AAdvantage Platinum Select Mastercard or the Citi AAdvantage Platinum Select first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. CitiBusiness / AAdvantage Platinum Select Mastercard: no published min spend. 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.