Head-to-head · 🇺🇸 United States
Amex Business Gold vs Citi AAdvantage Platinum Select
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
American Express
Amex Business Gold
AMERICAN
EXPRESS
EXPRESS
Wins 2 of 10
US
Citi
Citi AAdvantage Platinum Select
Wins 2 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Amex Business Gold | Citi AAdvantage Platinum Select |
|---|---|---|
| Annual fee | · $375 | $99 |
| Joining fee | = None | = None |
| Top reward rate | 4% (shopping) | · 2% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 70,000 Membership Rewards points after $10,000 spend in 3 months | = 50,000 AA miles after $2,500 spend in 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | · 720 | 700 |
| Editorial rating | 4.5/5 | · 4/5 |
Benefits compared
Amex Business Gold
- 4x on top 2 categories ($150K cap): airfare, gas, advertising, tech, restaurants, US shipping
- $20 monthly FedEx + Grubhub credit
- $240 Amex Business Line of Credit access
- No foreign transaction fees
Citi AAdvantage Platinum Select
- 2x miles on American Airlines + dining + gas
- 1x on everything else
- Free first checked bag for cardholder + 4 companions
- Preferred boarding
- Annual fee waived first year
FAQ
›Amex Business Gold vs Citi AAdvantage Platinum Select: which is better?
It's a true tie — pick the one whose boost categories match your spend. Amex Business Gold wins on 2 criteria, Citi AAdvantage Platinum Select on 2.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Business Gold for its best categories, Citi AAdvantage Platinum Select for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months. Citi AAdvantage Platinum Select: 50,000 AA miles after $2,500 spend in 3 months.