CitiBusiness® / AAdvantage® Platinum Select® vs U.S. Bank Cash+®
Side-by-side comparison
| CitiBusiness® / AAdvantage® Platinum Select® | U.S. Bank Cash+® | |
|---|---|---|
| Annual fee | $99 | No annual fee |
| Welcome offer | 80,000 miles | $250 rewards bonus |
| 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 | $546 |
| 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 U.S. Bank Cash+® about $546, valuing every point at a flat 1 cent. The CitiBusiness® / AAdvantage® Platinum Select® charges $99, which you clear through its rewards and perks. The U.S. Bank Cash+® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the U.S. Bank Cash+® delivers more total value, about $87 a year more for a typical spender, mostly because it skips the annual fee the other charges. 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 CitiBusiness® / AAdvantage® Platinum Select® if your spending leans toward phone & internet, travel.