Citi® / AAdvantage® Platinum Select® vs Delta SkyMiles® Gold
Side-by-side comparison
| Citi® / AAdvantage® Platinum Select® | Delta SkyMiles® Gold | |
|---|---|---|
| Annual fee | $99 | $150 |
| Welcome offer | 80,000 American Airlines AAdvantage® miles after $3,500 in 4 months | |
| Dining | 2x | 2x |
| Groceries | 1x | 2x |
| Gas | 2x | 1x |
| Travel | 1x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $343 | $382 |
| Points type | Locked to American Airlines AAdvantage | Locked to Delta SkyMiles |
| Network | Mastercard | Amex |
*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 Citi® / AAdvantage® Platinum Select® earns about $343 a year in rewards and the Delta SkyMiles® Gold about $382, valuing every point at a flat 1 cent. The Citi® / AAdvantage® Platinum Select® charges $99, which you clear through its rewards and perks. The Delta SkyMiles® Gold charges $150, but carries about $200 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Delta SkyMiles® Gold delivers more total value, about $87 a year more for a typical spender, mostly because it earns more where you spend most, on groceries. 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. Note that Delta SkyMiles® Gold is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Citi® / AAdvantage® Platinum Select® if your spending leans toward gas. Pick the Delta SkyMiles® Gold if your spending leans toward groceries.