Capital One Savor vs Citi AAdvantage Platinum Select
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Capital One Savor wins 4-0. Foodies on a no-fee card — restaurants, delivery, streaming, groceries Citi AAdvantage Platinum Select is still the right call if american airlines loyalists — free checked bag + boarding..
Side-by-side
| Criterion | Capital One Savor | Citi AAdvantage Platinum Select |
|---|---|---|
| Annual fee | No annual fee | · $99 |
| Joining fee | = None | = None |
| Top reward rate | 3% (dining) | · 2% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = $200 cash bonus after $500 spend in first 3 months | = 50,000 AA miles after $2,500 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | 4.4/5 | · 4/5 |
Benefits compared
Capital One Savor
- 3% cashback on dining and food delivery
- 3% on entertainment (concerts, sports, streaming)
- 3% on grocery stores (excludes Walmart, Target)
- 1% on everything else
- No annual fee, no foreign transaction fees
- 8% on Capital One Entertainment bookings
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
›Capital One Savor vs Citi AAdvantage Platinum Select: which is better?
Capital One Savor wins on more dimensions (4 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Capital One Savor 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?
Capital One Savor: $200 cash bonus after $500 spend in first 3 months. Citi AAdvantage Platinum Select: 50,000 AA miles after $2,500 spend in 3 months.