CitiBusiness® / AAdvantage® Platinum Select® vs Citi Strata℠
Side-by-side comparison
| CitiBusiness® / AAdvantage® Platinum Select® | Citi Strata℠ | |
|---|---|---|
| Annual fee | $99 | No annual fee |
| Welcome offer | 80,000 miles | 20,000 ThankYou® Points ($200 value) |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 1% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $558 | $510 |
| Points type | Locked to American Airlines AAdvantage | Pools with Citi → transferable |
| 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 CitiBusiness® / AAdvantage® Platinum Select® earns about $558 a year in rewards and the Citi Strata℠ about $510, valuing every point at a flat 1 cent. The CitiBusiness® / AAdvantage® Platinum Select® charges $99, which you clear through its rewards and perks. The Citi Strata℠ has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Citi Strata℠ delivers more total value, about $51 a year more for a typical spender, mostly because it skips the annual fee the other charges. The bigger difference is the ceiling: the Citi Strata℠ 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 Citi Strata℠ 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.