Citi AAdvantage Platinum Select vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Reflect wins 3-2. 21-month 0% intro APR — best balance-transfer card on the market. 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 | Wells Fargo Reflect |
|---|---|---|
| Annual fee | · $99 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 2% (travel) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = 50,000 AA miles after $2,500 spend in 3 months | = No welcome bonus — value is the long 0% APR |
| 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
Wells Fargo Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
FAQ
›Citi AAdvantage Platinum Select vs Wells Fargo Reflect: which is better?
Wells Fargo Reflect wins on more dimensions (3 vs 2). 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, Wells Fargo Reflect 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. Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.