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Compare the Features and Benefits of Citi® / AAdvantage® Platinum Select® World Elite MasterCard and
Capital One Venture X Business

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
No Foreign Transaction Fees
No Fees for Authorized Users
Free Checked Bags
Priority Boarding
Purchase Protection
Free Access to Credit Score
Has No Preset Spending Limit
Airport Lounge Access
Annual Statement Credits
Secondary Car Rental CDW Waiver
Does Not Report Credit Line to Personal Credit Profile
Earns Transferable Points
Global Entry / TSA PreCheck Reimbursement
Cell Phone Protection
Annual Fee
$0 Introductory Annual Fee for the first year, then $99
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
2x Airfare

On American Airlines airfare booked directly with American Airlines; otherwise earn 1X

2x Gas Stations
2x Dining Out / Food Delivery
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.75) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

Citi® / AAdvantage® Platinum Select® World Elite MasterCard is the perfect card for travelers that even periodically fly American. For a $99 annual fee (waived the first year), cardholders and travelers on the same reservation enjoy preferred boarding, a free checked bag on American Airlines flights, and 25% savings on inflight food and beverage purchases.

American Airlines carry-on bags in overhead bin

Cardholders earn 2x American Airlines AAdvantage® bonus miles at restaurants and gas stations and on eligible American Airlines purchases. All other eligible purchases earn 1x AAdvantage® miles per eligible dollar spent.

Each dollar spent on an American Airlines credit card earns 1 Loyalty Point. That means cardholders can earn elite status in the AAdvantage program just by spending on the AAdvantage® Platinum Select card. For example, you can earn AAdvantage® Gold elite status with just $40,000 in purchases on the card in a year.

Note that the sign up bonus and spending category bonuses count as American Airlines AAdvantage® bonus miles. That means you won’t earn Loyalty Points on these AAdvantage® bonus miles. As an example, if you spend $5,000 at gas stations in a year, although you’ll earn 10,000 AAdvantage® miles on these purchases, it will only count as 5,000 Loyalty Points.

American Airlines currently charges $40 for a first checked bag on domestic itineraries. Considering you and up to four travel companions can check a bag for free, this one credit card perk can save you up to $400 per round-trip flight. The catch is that this perk only is offered on domestic flights. Unfortunately, cardholders can’t check a bag for free on American Airlines international flights.

Ground crew loading a checked bag into an American Airlines aircraft

Read more
Unique Card Benefits
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Free Checked Bags
yes
Priority Boarding
yes
Purchase Protection
yes
Free Access to Credit Score
yes
Has No Preset Spending Limit
no
Airport Lounge Access
no
Annual Statement Credits
no
Secondary Car Rental CDW Waiver
no
Does Not Report Credit Line to Personal Credit Profile
no
Earns Transferable Points
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
Annual Fee
$395
Avg. Min. Credit Score
800-850 *
Ongoing APR
-
Balance transfers fees
-
Best Multiplier
10x Car Rentals

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

10x Hotels

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

5x Airfare

Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.

2x Everything Else
Avg. Point Value
(Learn More)
$0.016
Bonus Offer
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Capital One Venture X Business card is a very well rounded travel credit card that is easy to recommend to almost anyone, especially with No Preset Spending Limit – meaning that heavy business spenders will have an easier time.

The first objection is always the annual fee, but once you see that the $300 annual travel credit and 10,000 miles anniversary bonus (worth $100 or more) nets out the annual fee, it’s much easier to go and focus on the benefits.

If you consider the annual fee to effectively be -$5 as I do based on the above though process, then you are looking a a TON of benefits for a card where you aren’t out a ton on the annual fee with nothing in return.

You’re getting No Preset Spending Limit, Plaza Premium and Priority Pass lounge access, Capital One Lounges, Global Entry (or PreCheck) fee reimbursement, the ability to earn up to 10X miles on travel booked via Capital One, and cell phone protection.

travel-card-capital-one-venture-x-credit-card

See, that’s a mouthful! You would expect to be paying a massive annual fee for all of that (without credits that net it out) and in this case, you’re just not. Of course, you’ll still have to pay the $395 fee upfront, but you’ll also be able to get that early spend bonus. That offsets it nicely!

In our opinion, this card is simply one of the best travel business cards around in terms of both benefits and value for money.

And as icing on the cake, aside from the initial hard pull on your personal credit to qualify you for approval, it won’t report to your personal credit file as long as your account remains in good standing.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Free Checked Bags
no
Priority Boarding
no
Purchase Protection
no
Free Access to Credit Score
no
Has No Preset Spending Limit
yes
Airport Lounge Access
yes
Annual Statement Credits
yes
Secondary Car Rental CDW Waiver
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Earns Transferable Points
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes

Learn more about these cards today

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