CitiBusiness AAdvantage vs AAdvantage Platinum Select

Last updated Jun 17, 2026

CitiBusiness AAdvantage

−$99

net / year

AAdvantage Platinum Select

−$99

net / year

+ Add a card

Where each card wins

Six value dimensions, scored 0–100. The solid bar leads that dimension.

Earning power

Statement credits

Lounge access

Hotel & status

Protections

Low annual fee

CitiBusiness AAdvantageAAdvantage Platinum Select

Perk	CitiBusiness AAdvantageCitiBusiness	AAdvantage Platinum SelectCiti
Costs & value
Annual fee	$99 Inferred by source	$99 Inferred by source
Realized value*	$0	$0
Net / year	−$99	−$99
Value check	Earns its keep	Earns its keep
Rewards	miles	miles
Cash advance (ATM)	Either $10 or 5% of each cash advance, whichever is greater Inferred by source	Either $10 or 5% of each cash advance, whichever is greater Inferred by source
Points & MilesFull breakdown →
Earn rates	2× American Airlines purchases, restaurants & gas Inferred by source 1× Everything else Inferred by source	2× American Airlines purchases Inferred by source 2× Restaurants & gas stations Inferred by source 1× Everything else Inferred by source
Redemption ValueFull breakdown →
Portal value	1.4¢ per pt Estimated by source	1.4¢ per pt Estimated by source
Hotel PerksFull breakdown →
Free first checked bag	Included Inferred by source	Included Inferred by source
Preferred boarding	Included Inferred by source	Included Inferred by source
25% inflight savings	—	Included Inferred by source
CreditsFull breakdown →
Credits	1 credit · $0/yr	1 credit · $0/yr
ProtectionsFull breakdown →
Purchase protection	—	Up to $10,000/incident, $50,000/year; covers new purchases against damage and theft for 90 days Inferred by source
Extended warranty	—	Extends manufacturer's warranty by 24 months; max $10,000/claim; total coverage cannot exceed 7 years from purchase Inferred by source
Foreign Tx FeesFull breakdown →
Fee	None Inferred by source	None Inferred by source
Apply & freshness
Data last verified	Jun 5, 2026	Jun 17, 2026
Apply	Apply	Apply

*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it

Frequently asked

Is the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® or the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® better?

They net about the same by realized value minus fee, so it comes down to your spending and which perks you'll actually use.

Which has the lower annual fee, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® or the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®?

Both have a $99 annual fee.

Does the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® or the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® have better airport lounge access?

Neither includes airport lounge access.