United℠ Club vs Citi® / AAdvantage® Platinum Select®
Side-by-side comparison
| United℠ Club | Citi® / AAdvantage® Platinum Select® | |
|---|---|---|
| Annual fee | $695 | $99 |
| Welcome offer | Up to 90,000 bonus miles | 80,000 American Airlines AAdvantage® miles after $3,500 in 4 months |
| Dining | 2x | 2x |
| Groceries | 1x | 1x |
| Gas | 1x | 2x |
| Travel | 2x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $340 | $343 |
| Points type | Locked to United MileagePlus | 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 household spending, the United℠ Club earns about $340 a year in rewards and the Citi® / AAdvantage® Platinum Select® about $343, valuing every point at a flat 1 cent. The United℠ Club charges $695, but carries about $750 in annual statement credits that offset it for anyone who uses them. The Citi® / AAdvantage® Platinum Select® charges $99, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Citi® / AAdvantage® Platinum Select® delivers more total value, about $225 a year more for a typical spender, mostly because it earns more where you spend most, on gas. 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 two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the United℠ Club if your spending leans toward travel. Pick the Citi® / AAdvantage® Platinum Select® if your spending leans toward gas.