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Citi® / AAdvantage® Platinum Select® World Elite MasterCard

Citi® / AAdvantage® Platinum Select® World Elite MasterCard

Card Details
VS
The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Card Details

Compare the Features and Benefits of Citi® / AAdvantage® Platinum Select® World Elite MasterCard and
The Hilton Honors American Express Business Card

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
Extended Warranty
Purchase Protection
No Foreign Transaction Fees
No Fees for Authorized Users
Unique Card Benefits
Free Checked Bags
Priority Boarding
Free Access to Credit Score
Annual Statement Credits
Grants Hotel Status
Grants Car Rental Status
Trip Protections
Secondary Car Rental CDW Waiver
Does Not Report Credit Line to Personal Credit Profile
Metal Card
Amex Offers
Citi® / AAdvantage® Platinum Select® World Elite MasterCard
Annual Fee
$0 Introductory Annual Fee for the first year, then $99
Avg. Min. Credit Score
670-850
Ongoing APR
20.24%-29.24% (Variable)
Balance transfers fees
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
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
🎁 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
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Unique Card Benefits
yes
Free Checked Bags
yes
Priority Boarding
yes
Free Access to Credit Score
yes
Annual Statement Credits
no
Grants Hotel Status
no
Grants Car Rental Status
no
Trip Protections
no
Secondary Car Rental CDW Waiver
no
Does Not Report Credit Line to Personal Credit Profile
no
Metal Card
no
Amex Offers
no
The Hilton Honors American Express Business Card
Annual Fee
$195 (Rates and fees)
Avg. Min. Credit Score
Good-Excellent
Ongoing APR
20.24%-29.24% (Variable)
Balance transfers fees
-
Best Multiplier
5x Dining Out / Food Delivery
5x Groceries
5x Airfare
5x Hotels

Applies only at Hilton Honors hotels booked directly with Hilton; else earn 3X points per dollar.

5x Car Rentals
5x EV Charging
5x Gas Stations
5x Cruises
5x Transit
5x Drugstores
5x Cable / Internet / VOIP Phone
5x Cellular Phone Service
5x Office Supplies
5x Rent
5x Streaming Services
5x Advertising (Online / TV / Radio)
5x Gym Memberships
5x U.S. Electronic Goods Retailers / Software / Cloud System Providers
5x Construction Materials / Hardware Supplies
5x Online Retail Shopping
5x Amazon / Whole Foods
5x Entertainment (Concerts / Shows / Movies)
5x Costco
5x Shipping
5x Advertising on Search Engines and Social Media
5x Lyft
5x Single Charges over $5,000
5x All Other Eligible Purchases
Avg. Point Value
(Learn More)
$0.006
Bonus Offer
⌛ Limited Time Offer Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025. Terms Apply.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.83) 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 Hilton Honors American Express Business Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts and is the only business credit card that earns Hilton Honors points.

You can redeem Hilton Honors points and Free Night Rewards for a room like this with room with a private plunge pool in Mexico

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays (earning 12X)  and 2.5% back on your first $100,000 of eligible spend (earning 5X).

However, after $100,000 in a calendar year, all eligible spend outside of a Hilton property will earn 3X which we would value at about 1.5% cash value.

Also, you’ll get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card. If you use all 4 credits in full, you’d more than cover the Card’s annual fee.

hilton business card amex

Hilton Honors Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points.

View from an infinity pool at the Waldorf Astoria Pedregal in Los Cabos, Mexico - Bookable with Hilton Honors points and Free Night Rewards.

While we don’t recommend the Hilton Honors Business card as your only business credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the The Hilton Honors American Express Business Card

Read more
Extended Warranty
yes
Purchase Protection
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Unique Card Benefits
no
Free Checked Bags
no
Priority Boarding
no
Free Access to Credit Score
no
Annual Statement Credits
yes
Grants Hotel Status
yes
Grants Car Rental Status
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Metal Card
yes
Amex Offers
yes

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Citi® / AAdvantage® Platinum Select® World Elite MasterCard

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The Hilton Honors American Express Business Card

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