Capital One SavorOne vs CitiBusiness® / AAdvantage® Platinum Select®
Side-by-side comparison
| Capital One SavorOne | CitiBusiness® / AAdvantage® Platinum Select® | |
|---|---|---|
| Annual fee | $39 | $99 |
| Welcome offer | No current offer | 80,000 miles |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 2% |
| Travel | 1% | 2% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $498 | $558 |
| Points type | Pools with Capital One → transferable | 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 Capital One SavorOne earns about $498 a year in rewards and the CitiBusiness® / AAdvantage® Platinum Select® about $558, valuing every point at a flat 1 cent. The Capital One SavorOne charges $39, which you clear through its rewards and perks. The CitiBusiness® / AAdvantage® Platinum Select® charges $99, which you clear through its rewards and perks. The two are effectively tied on value, with the Capital One SavorOne marginally ahead, mostly because it skips the annual fee the other charges. The bigger difference is the ceiling: the Capital One SavorOne earns points you can move to travel partners for outsized value, while the CitiBusiness® / AAdvantage® Platinum Select® stays locked to a single airline or hotel program. Favor the Capital One SavorOne if you will use travel transfers, the CitiBusiness® / AAdvantage® Platinum Select® if you want simplicity. On the sign-up bonus, the CitiBusiness® / AAdvantage® Platinum Select® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the CitiBusiness® / AAdvantage® Platinum Select® if your spending leans toward phone & internet, travel.