Citi AAdvantage Platinum Select vs Discover It Miles
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Discover It Miles wins 4-1. No-fee flat travel earn — first-year doubled effectively makes it 3x. 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 | Discover It Miles |
|---|---|---|
| Annual fee | · $99 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 2% (travel) | · 1.5% (general) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 50,000 AA miles after $2,500 spend in 3 months | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | · 4/5 | 4.4/5 |
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
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
FAQ
›Citi AAdvantage Platinum Select vs Discover It Miles: which is better?
Discover It Miles 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, Discover It Miles 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. Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).