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All comparisons
Head-to-head, 2026

Citi AAdvantage Platinum Select Citi Custom Cash

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Citi Custom Cash

Citi

AAdvantage Platinum Select

Annual fee
$99
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×American Airlines purchases · American Airlines AAdvantage
  • 2×gas stations · American Airlines AAdvantage
  • 2×restaurants · American Airlines AAdvantage
  • 1×all other purchases · American Airlines AAdvantage

Key benefits

  • First Checked Bag Free · $140
  • $125 AA Flight Discount · $125
  • Preferred Boarding · $50
  • No Foreign Transaction Fees · $45
  • 25% In-flight Savings · $25
Full Citi AAdvantage Platinum Select review

Citi

Custom Cash

Annual fee
$0
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 5×top spend category
  • 1×all other purchases

Key benefits

  • ThankYou Point Portability · $50
  • Citi Merchant Offers · $40
  • Citi Entertainment Access · $25
Full Citi Custom Cash review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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