Citi AAdvantage Platinum Select vs Bank of America Customized Cash
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Bank of America Customized Cash wins 4-1. Choose your 3% category each month — no rotation needed. Citi AAdvantage Platinum Select is still the right call if american airlines loyalists — free checked bag + boarding..
Side-by-side
| Criterion | Citi AAdvantage Platinum Select | Bank of America Customized Cash |
|---|---|---|
| Annual fee | · $99 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 2% (travel) | 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 50,000 AA miles after $2,500 spend in 3 months | = $200 cash rewards after $1,000 spend in 90 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | · 4/5 | 4.3/5 |
Benefits compared
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
Bank of America Customized Cash
- 3% on category of your choice (gas, online shopping, dining, travel, drug stores, home improvement)
- 2% at grocery stores + wholesale clubs (up to $2,500/quarter combined)
- 1% on everything else
- No annual fee
FAQ
›Citi AAdvantage Platinum Select vs Bank of America Customized Cash: which is better?
Bank of America Customized Cash wins on more dimensions (4 vs 1). 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 Citi AAdvantage Platinum Select for its best categories, Bank of America Customized Cash for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi AAdvantage Platinum Select: 50,000 AA miles after $2,500 spend in 3 months. Bank of America Customized Cash: $200 cash rewards after $1,000 spend in 90 days.