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CitiBusiness / AAdvantage Platinum Select Mastercard vs Citi Simplicity Card
Both are well-respected travel cards. The CitiBusiness / AAdvantage Platinum Select Mastercard comes from Citi at $0/yr; the Citi Simplicity Card from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | CitiBusiness / AAdvantage Platinum Select Mastercard | Citi Simplicity Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | Not advertised | No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | Citi | Citi |
| Card category | 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 Simplicity Card
$0/yr · No welcome bonus; product is a 0% intro APR balance-transfer card with no late fees, no penalty APR, and no rewards program
Editorial take: Citi Simplicity Card
Common questions
- Which card has the bigger sign-up bonus, CitiBusiness / AAdvantage Platinum Select Mastercard or Citi Simplicity Card?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the CitiBusiness / AAdvantage Platinum Select Mastercard's $0 annual fee worth it compared to the Citi Simplicity Card?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has no annual fee, so the question is whether the Citi Simplicity Card's $0 fee is justified by its perks. If you'll use enough of the Citi Simplicity Card's benefits to clear $0 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 Simplicity Card?
- 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 Simplicity Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. CitiBusiness / AAdvantage Platinum Select Mastercard: no published min spend. Citi Simplicity Card: no published min spend. 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.