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CitiBusiness / AAdvantage Platinum Select Mastercard vs Lowe's Business Rewards Card from American Express
Both are well-respected travel cards. The CitiBusiness / AAdvantage Platinum Select Mastercard comes from Citi at $99/yr; the Lowe's Business Rewards Card from American Express from American Express 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 ($973 more in estimated value) than the Lowe's Business Rewards Card from American Express's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Lowe's Business Rewards Card from American Express after you've earned that bonus.
| Feature | CitiBusiness / AAdvantage Platinum Select Mastercard | Lowe's Business Rewards Card from American Express |
|---|---|---|
| Annual fee | $99 | $0 |
| Sign-up bonus | 65,000 miles | $100 statement credit |
| Bonus value (est.) | $1,073 | $100 |
| Min spend to unlock bonus | $4,000 in 4 mo | $1,000 in 3 mo |
| Issuer | Citi | American Express |
| 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
Lowe's Business Rewards Card from American Express
$0/yr · $100 statement credit
Editorial take: Lowe's Business Rewards Card from American Express
Common questions
- Which card has the bigger sign-up bonus, CitiBusiness / AAdvantage Platinum Select Mastercard or Lowe's Business Rewards Card from American Express?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus $100 statement credit (~$100) on the Lowe's Business Rewards Card from American Express.
- Is the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 annual fee worth it compared to the Lowe's Business Rewards Card from American Express?
- 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 Lowe's Business Rewards Card from American Express's, pick the one whose perks you'll actually use.
- Can I have both the CitiBusiness / AAdvantage Platinum Select Mastercard and Lowe's Business Rewards Card from American Express?
- Yes, since they're from different issuers (Citi and American Express) 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 Lowe's Business Rewards Card from American Express 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. Lowe's Business Rewards Card from American Express: $1,000 in 3 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.