Citi
AAdvantage Platinum Select
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Card review
AAdvantage Platinum Select
Citi
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$99
Welcome bonus
See issuer
Est. net value
$695/yr
Credit score
Varies
Top earn rate
2x dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The AAdvantage Platinum Select from Citi carries a $99 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $514.08 in rewards plus $280.00 in credits and perks — $695.08 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| DiningDining | 2× |
| GasGas | 2× |
| Everything elseAmerican Airlines | 2× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Free Checked Bag$30/yr
Primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries. Valid for up to four companions.
- Preferred Boarding
Receive preferred boarding boarding (Group 5). Valid up to four companions.
- Flight Discount (w/ spend)$125/yr
Earn a $125 flight discount after you spend $20,000 or more during your cardmembership year.
- Flight Discount$125/yr
Earn a $125 flight discount after you spend $20,000 or more during your cardmembership year.
- In-Flight Discount
Receive a 25% savings on in-flight purchases of food and beverages on flights operated by American Airlines when purchased with your card.
- Reduced Mileage Awards
Redeem AAdvantage miles for discounted round trip or one-way travel on MileSAAver awards to select destinations designated every other month.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$99
- Stated credits
- +$0
- Perks (est.)
- +$280
- Net after credits & perks
- $181
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
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Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $99 per year.