Citi AAdvantage Platinum Select

Is the annual fee worth it?

It earns about $462 a year on the illustrative household's spending, which is $363 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $695 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.

Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

Where a year's rewards come from

Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.

Protections and travel benefits

From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.

• Free checked bag

What the issuer lists besides rewards

• First checked bag free on domestic American itineraries
• Preferred boarding
• Citi withdrew extended warranty, return protection and rental car coverage from its cards in September 2019

Similar cards

• Chase Rapid Rewards Plus — annual fee $99 a year
• Bank of America Atmos Rewards Ascent Visa Signature — annual fee $95 a year
• American Express Delta SkyMiles Gold — annual fee $150 a year
• Chase United Explorer — annual fee $150 a year
• Every airline card, ranked
• When an annual fee pays for itself
• The best two- and three-card combinations