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CitiBusiness / AAdvantage Platinum Select Mastercard vs Wells Fargo Signify Business Cash
Both are well-respected travel cards. The CitiBusiness / AAdvantage Platinum Select Mastercard comes from Citi at $99/yr; the Wells Fargo Signify Business Cash 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 ($573 more in estimated value) than the Wells Fargo Signify Business Cash's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Wells Fargo Signify Business Cash after you've earned that bonus.
| Feature | CitiBusiness / AAdvantage Platinum Select Mastercard | Wells Fargo Signify Business Cash |
|---|---|---|
| Annual fee | $99 | $0 |
| Sign-up bonus | 65,000 miles | $500 cash rewards bonus |
| Bonus value (est.) | $1,073 | $500 |
| Min spend to unlock bonus | $4,000 in 4 mo | $5,000 in 3 mo |
| Issuer | Citi | Wells Fargo |
| 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
Wells Fargo Signify Business Cash
$0/yr · $500 cash rewards bonus
Editorial take: Wells Fargo Signify Business Cash
Common questions
- Which card has the bigger sign-up bonus, CitiBusiness / AAdvantage Platinum Select Mastercard or Wells Fargo Signify Business Cash?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus $500 cash rewards bonus (~$500) on the Wells Fargo Signify Business Cash.
- Is the CitiBusiness / AAdvantage Platinum Select Mastercard's $99 annual fee worth it compared to the Wells Fargo Signify Business Cash?
- 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 Signify Business Cash's, pick the one whose perks you'll actually use.
- Can I have both the CitiBusiness / AAdvantage Platinum Select Mastercard and Wells Fargo Signify Business Cash?
- 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 Signify Business Cash 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 Signify Business Cash: $5,000 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.