Bank of America Business Advantage Unlimited Cash Rewards vs Citi® / AAdvantage® Platinum Select®
Side-by-side comparison
| Bank of America Business Advantage Unlimited Cash Rewards | Citi® / AAdvantage® Platinum Select® | |
|---|---|---|
| Annual fee | No annual fee | $99 |
| Welcome offer | $300 statement credit | |
| Advertising | 1.5% | 1% |
| Shipping | 1.5% | 1% |
| Office supplies | 1.5% | 1% |
| Phone & internet | 1.5% | 1% |
| Travel | 1.5% | 1% |
| Everything else | 1.5% | 1% |
| Est. yearly rewards* | $675 | $492 |
| Points type | Cash back only | Locked to American Airlines AAdvantage |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Bank of America Business Advantage Unlimited Cash Rewards earns about $675 a year in rewards and the Citi® / AAdvantage® Platinum Select® about $492, valuing every point at a flat 1 cent. The Bank of America Business Advantage Unlimited Cash Rewards has no annual fee, so its rewards are all profit. The Citi® / AAdvantage® Platinum Select® charges $99, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Bank of America Business Advantage Unlimited Cash Rewards delivers more total value, about $282 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Citi® / AAdvantage® Platinum Select® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bank of America Business Advantage Unlimited Cash Rewards if your spending leans toward advertising, shipping, office supplies.