Chase Sapphire Reserve® vs CitiBusiness® / AAdvantage® Platinum Select®
Side-by-side comparison
| Chase Sapphire Reserve® | CitiBusiness® / AAdvantage® Platinum Select® | |
|---|---|---|
| Annual fee | $795 | $99 |
| Welcome offer | 100,000 Ultimate Rewards® Points | 80,000 miles |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 2% |
| Travel | 4% | 2% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $642 | $558 |
| Points type | Transfers to airlines & hotels | Locked to American Airlines AAdvantage |
| Network | Visa | 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 Chase Sapphire Reserve® earns about $642 a year in rewards and the CitiBusiness® / AAdvantage® Platinum Select® about $558, valuing every point at a flat 1 cent. The Chase Sapphire Reserve® charges $795, but carries about $2,108 in annual statement credits that offset it for anyone who uses them. The CitiBusiness® / AAdvantage® Platinum Select® charges $99, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Chase Sapphire Reserve® delivers more total value, about $442 a year more for a typical spender, mostly because it earns more where you spend most, on travel. The bigger difference is the ceiling: the Chase Sapphire Reserve® 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 Chase Sapphire Reserve® if you will use travel transfers, the CitiBusiness® / AAdvantage® Platinum Select® if you want simplicity. On the sign-up bonus, the Chase Sapphire Reserve® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Chase Sapphire Reserve® if your spending leans toward travel. Pick the CitiBusiness® / AAdvantage® Platinum Select® if your spending leans toward phone & internet.