CitiBusiness® / AAdvantage® Platinum Select® vs Robinhood Gold Card
Side-by-side comparison
| CitiBusiness® / AAdvantage® Platinum Select® | Robinhood Gold Card | |
|---|---|---|
| Annual fee | $99 | $50 |
| Welcome offer | 80,000 miles | 3% cash back on every purchase from day one |
| Advertising | 1% | 3% |
| Shipping | 1% | 3% |
| Office supplies | 1% | 3% |
| Phone & internet | 2% | 3% |
| Travel | 2% | 3% |
| Everything else | 1% | 3% |
| Est. yearly rewards* | $558 | $1,350 |
| Points type | Locked to American Airlines AAdvantage | Cash back only |
| Network | Mastercard | Visa |
*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 Robinhood Gold Card about $1,350, valuing every point at a flat 1 cent. The CitiBusiness® / AAdvantage® Platinum Select® charges $99, which you clear through its rewards and perks. The Robinhood Gold Card charges $50, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Robinhood Gold Card delivers more total value, about $841 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. 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 Robinhood Gold Card if your spending leans toward advertising, shipping, office supplies.