Editorial take: Citi AAdvantage Platinum Select
The free checked bag covers the fee on just one round-trip with a partner. Good if you fly AA more than twice a year, otherwise AAdvantage is worth collecting through other means.
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Side-by-side
Citi AAdvantage Platinum Select vs Navy Federal More Rewards / Flagship Rewards
Both are travel travel cards. The Citi AAdvantage Platinum Select comes from Citi at $99/yr; the Navy Federal More Rewards / Flagship Rewards from Navy Federal Credit Union at $49/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Citi AAdvantage Platinum Select is the stronger pick today, the sign-up bonus is meaningfully larger ($770 more in estimated value) than the Navy Federal More Rewards / Flagship Rewards's. Get the Citi AAdvantage Platinum Select first; revisit the Navy Federal More Rewards / Flagship Rewards after you've earned that bonus.
| Feature | Citi AAdvantage Platinum Select | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $99 | $49 |
| Sign-up bonus | 80,000 miles | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | $1,120 | $350 |
| Min spend to unlock bonus | $3,500 in 4 mo | $3,500 in ? mo |
| Issuer | Citi | Navy Federal Credit Union |
| Card category | travel | travel |
| Best earning category (American) | 2x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Citi AAdvantage Platinum Select
$99/yr · 80,000 miles
Read the full review
Navy Federal More Rewards / Flagship Rewards
$49/yr · 35,000 bonus points (a $350 value)
Editorial take: Navy Federal More Rewards / Flagship Rewards
Common questions
- Which card has the bigger sign-up bonus, Citi AAdvantage Platinum Select or Navy Federal More Rewards / Flagship Rewards?
- The Citi AAdvantage Platinum Select has the bigger bonus, 80,000 miles, worth roughly $1,120, versus 35,000 bonus points (a $350 value) (~$350) on the Navy Federal More Rewards / Flagship Rewards.
- Is the Citi AAdvantage Platinum Select's $99 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- At $99/yr, the Citi AAdvantage Platinum Select is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Navy Federal More Rewards / Flagship Rewards's, pick the one whose perks you'll actually use.
- Can I have both the Citi AAdvantage Platinum Select and Navy Federal More Rewards / Flagship Rewards?
- Yes, since they're from different issuers (Citi and Navy Federal Credit Union) 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 Citi AAdvantage Platinum Select or the Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi AAdvantage Platinum Select: $3,500 spend in 4 months. Navy Federal More Rewards / Flagship Rewards: $3,500 in ? 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.