United℠ Gateway vs CitiBusiness® / AAdvantage® Platinum Select®
Side-by-side comparison
| United℠ Gateway | CitiBusiness® / AAdvantage® Platinum Select® | |
|---|---|---|
| Annual fee | No annual fee | $99 |
| Welcome offer | Up to 40,000 bonus miles | 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* | $468 | $558 |
| 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 business spending, the United℠ Gateway earns about $468 a year in rewards and the CitiBusiness® / AAdvantage® Platinum Select® about $558, valuing every point at a flat 1 cent. The United℠ Gateway has no annual fee, so its rewards are all profit. The CitiBusiness® / AAdvantage® Platinum Select® charges $99, which you clear through its rewards and perks. The two are close on value, but the United℠ Gateway edges ahead by about $9 a year, mostly because it skips the annual fee the other charges. 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 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.