CitiBusiness® / AAdvantage® Platinum Select® vs Delta SkyMiles® Reserve
Side-by-side comparison
| CitiBusiness® / AAdvantage® Platinum Select® | Delta SkyMiles® Reserve | |
|---|---|---|
| Annual fee | $99 | $650 |
| Welcome offer | 80,000 miles | |
| 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 | $450 |
| 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 business spending, the CitiBusiness® / AAdvantage® Platinum Select® earns about $558 a year in rewards and the Delta SkyMiles® Reserve about $450, valuing every point at a flat 1 cent. The CitiBusiness® / AAdvantage® Platinum Select® charges $99, which you clear through its rewards and perks. The Delta SkyMiles® Reserve charges $650, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the CitiBusiness® / AAdvantage® Platinum Select® delivers more total value, about $659 a year more for a typical spender, mostly because it earns more where you spend most, on travel and phone & internet. 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 Delta SkyMiles® Reserve currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). 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.