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Side-by-side
CitiBusiness / AAdvantage Platinum Select Mastercard vs Home Depot Commercial Revolving Charge Card
Both are well-respected travel cards. The CitiBusiness / AAdvantage Platinum Select Mastercard comes from Citi at $99/yr; the Home Depot Commercial Revolving Charge Card from Citi Retail Services at $0/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 Home Depot Commercial Revolving Charge Card's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Home Depot Commercial Revolving Charge Card after you've earned that bonus.
| Feature | CitiBusiness / AAdvantage Platinum Select Mastercard | Home Depot Commercial Revolving Charge Card |
|---|---|---|
| Annual fee | $99 | $0 |
| Sign-up bonus | 65,000 miles | |
| Bonus value (est.) | $1,073 | - |
| Min spend to unlock bonus | $4,000 in 4 mo | - |
| Issuer | Citi | Citi Retail Services |
| Card category | travel | business |
| 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
Home Depot Commercial Revolving Charge Card
$0/yr ·
Editorial take: Home Depot Commercial Revolving Charge Card
Common questions
- Which card has the bigger sign-up bonus, CitiBusiness / AAdvantage Platinum Select Mastercard or Home Depot Commercial Revolving Charge Card?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has a public bonus (65,000 miles, worth roughly $1,073), while the Home Depot Commercial Revolving Charge Card doesn't advertise one right now.
- Is the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 annual fee worth it compared to the Home Depot Commercial Revolving Charge 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 Home Depot Commercial Revolving Charge Card's, pick the one whose perks you'll actually use.
- Can I have both the CitiBusiness / AAdvantage Platinum Select Mastercard and Home Depot Commercial Revolving Charge Card?
- Yes, since they're from different issuers (Citi and Citi Retail Services) 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 CitiBusiness / AAdvantage Platinum Select Mastercard or the Home Depot Commercial Revolving Charge 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. Home Depot Commercial Revolving Charge 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.