Bank of America® Unlimited Cash Rewards Credit Card vs Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: fees, rewards and APR compared - DebitCue Skip to content
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Bank of America® Unlimited Cash Rewards Credit Card vs Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Compare Bank of America® Unlimited Cash Rewards Credit Card and Citi® / AAdvantage® Platinum Select® World Elite Mastercard® side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Bank of America® Unlimited Cash Rewards Credit Card versus Citi® / AAdvantage® Platinum Select® World Elite Mastercard® compared by attribute
Feature Bank of America® Unlimited Cash Rewards Credit Card Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Card fee No fee $99 USD/yr
Purchase APR (from) 17.49% 19.49%
Interest-free period - -
Foreign transaction fee 3% 0%
Rewards Unlimited 1.5% cash back on all purchases with no category restrictions and no quarterly caps. Preferred Rewards members earn 10–75% more, reaching up to 2.62% on every purchase at the top Preferred Rewards tier. 2X AAdvantage miles on eligible American Airlines purchases, at gas stations, and at restaurants; 1X on all other purchases.
Installments Custom Pay Plan: convert eligible purchases ($100+) into 3–18 month fixed-fee installment plans -
No card fee -
No foreign transaction fee -
Welcome bonus
Airport lounge access - -
Travel insurance -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Bank of America® Unlimited Cash Rewards Credit Card if its checked rows above line up with how you spend most.
  • Choose the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review Bank of America® Unlimited Cash Rewards Credit Card Full review Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

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