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CitiBusiness / AAdvantage Platinum Select Mastercard vs Citi Strata Card
Both are travel travel cards. The CitiBusiness / AAdvantage Platinum Select Mastercard comes from Citi at $99/yr; the Citi Strata Card from Citi at $0/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 CitiBusiness / AAdvantage Platinum Select Mastercard costs $99 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | CitiBusiness / AAdvantage Platinum Select Mastercard | Citi Strata Card |
|---|---|---|
| Annual fee | $99 | $0 |
| Sign-up bonus | 65,000 miles | 20,000 bonus points |
| Bonus value (est.) | $1,073 | $340 |
| Min spend to unlock bonus | $4,000 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
$99/yr · 65,000 miles
Read the full review
Citi Strata Card
$0/yr · 20,000 bonus points
Editorial take: Citi Strata Card
Common questions
- Which card has the bigger sign-up bonus, CitiBusiness / AAdvantage Platinum Select Mastercard or Citi Strata Card?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus 20,000 bonus points (~$340) on the Citi Strata Card.
- Is the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 annual fee worth it compared to the Citi Strata Card?
- At $99/yr, the CitiBusiness / AAdvantage Platinum Select Mastercard is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Strata Card's, pick the one whose perks you'll actually use.
- Can I have both the CitiBusiness / AAdvantage Platinum Select Mastercard and Citi Strata 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 Strata Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 spend in 4 months. Citi Strata 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.