CitiBusiness® / AAdvantage® Platinum Select® vs Citi Strata Elite℠
Side-by-side comparison
| CitiBusiness® / AAdvantage® Platinum Select® | Citi Strata Elite℠ | |
|---|---|---|
| Annual fee | $99 | $595 |
| Welcome offer | 80,000 miles | 75,000 ThankYou® Points |
| Advertising | 1% | 1.5% |
| Shipping | 1% | 1.5% |
| Office supplies | 1% | 1.5% |
| Phone & internet | 2% | 1.5% |
| Travel | 2% | 1.5% |
| Everything else | 1% | 1.5% |
| Est. yearly rewards* | $558 | $702 |
| Points type | Locked to American Airlines AAdvantage | Transfers to airlines & hotels |
| 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 Elite℠ about $702, 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 Elite℠ charges $595, but carries about $700 in annual statement credits that offset it for anyone who uses them. The two are effectively tied on value, with the CitiBusiness® / AAdvantage® Platinum Select® marginally ahead, mostly because it earns more where you spend most, on travel and phone & internet. The bigger difference is the ceiling: the Citi Strata Elite℠ 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 Elite℠ if you will use travel transfers, the CitiBusiness® / AAdvantage® Platinum Select® if you want simplicity. 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 CitiBusiness® / AAdvantage® Platinum Select® if your spending leans toward phone & internet, travel. Pick the Citi Strata Elite℠ if your spending leans toward advertising, shipping, office supplies.