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CitiBusiness / AAdvantage Platinum Select Mastercard vs Wells Fargo Active Cash Card
Both are well-respected travel cards. The CitiBusiness / AAdvantage Platinum Select Mastercard comes from Citi at $99/yr; the Wells Fargo Active Cash Card from Wells Fargo 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 ($873 more in estimated value) than the Wells Fargo Active Cash Card's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Wells Fargo Active Cash Card after you've earned that bonus.
| Feature | CitiBusiness / AAdvantage Platinum Select Mastercard | Wells Fargo Active Cash Card |
|---|---|---|
| Annual fee | $99 | $0 |
| Sign-up bonus | 65,000 miles | $200 cash rewards |
| Bonus value (est.) | $1,073 | $200 |
| Min spend to unlock bonus | $4,000 in 4 mo | $500 in 3 mo |
| Issuer | Citi | Wells Fargo |
| Card category | travel | cashback |
| 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
Wells Fargo Active Cash Card
$0/yr · $200 cash rewards
Editorial take: Wells Fargo Active Cash Card
Common questions
- Which card has the bigger sign-up bonus, CitiBusiness / AAdvantage Platinum Select Mastercard or Wells Fargo Active Cash Card?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus $200 cash rewards (~$200) on the Wells Fargo Active Cash Card.
- Is the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 annual fee worth it compared to the Wells Fargo Active Cash 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 Wells Fargo Active Cash Card's, pick the one whose perks you'll actually use.
- Can I have both the CitiBusiness / AAdvantage Platinum Select Mastercard and Wells Fargo Active Cash Card?
- Yes, since they're from different issuers (Citi and Wells Fargo) 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 Wells Fargo Active Cash 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. Wells Fargo Active Cash Card: $500 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.