CitiBusiness / AAdvantage Platinum Select Mastercard vs Bilt Mastercard

Side-by-side comparison of CitiBusiness / AAdvantage Platinum Select Mastercard and Bilt Mastercard. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	CitiBusiness / AAdvantage Platinum Select Mastercard	Bilt Mastercard
Issuer	Citi	Wells Fargo
Network	Mastercard	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$99.00	$0.00
Base Rate	1.00%	1.00%
Travel Rewards	2.00x	2.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Travel	2.0%	2.0%
Gas Stations	2.0%	1.0% (base)
Telecommunications	2.0%	1.0% (base)
Airline	2.0%	1.0% (base)
Rent (up to 100K points/year)	1.0% (base)	1.0%
Restaurants	1.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	15 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	21.24% - 29.99%	21.49% - 29.99%
Cash Advance APR	29.99%	29.99%
Penalty APR	29.99%	N/A
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Primary (when renting for business purposes)	Primary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	Covered up to $800 per claim (subject to $25 deductible)
Extended Warranty	—	—
Purchase Protection	—	Covered up to $10,000 per claim
Return Protection	—	—
Trip Cancellation Interruption	—	Covered up to $5,000 per passenger
Trip Delay	—	Covered up to $200 per day
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard