Citi® / AAdvantage® Platinum Select® World Elite Mastercard® vs Petal® 1 "No Annual Fee" Visa® Credit Card: fees, rewards and APR compared - DebitCue Skip to content
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Citi® / AAdvantage® Platinum Select® World Elite Mastercard® vs Petal® 1 "No Annual Fee" Visa® Credit Card

Compare Citi® / AAdvantage® Platinum Select® World Elite Mastercard® and Petal® 1 "No Annual Fee" Visa® Credit Card side by side: fees, rewards, APR, and perks.

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

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® versus Petal® 1 "No Annual Fee" Visa® Credit Card compared by attribute
Feature Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Petal® 1 "No Annual Fee" Visa® Credit Card
Card fee $99 USD/yr No fee
Purchase APR (from) 19.49% 28.24%
Interest-free period - 21 days
Foreign transaction fee 0% 0%
Rewards 2X AAdvantage miles on eligible American Airlines purchases, at gas stations, and at restaurants; 1X on all other purchases. No base cash back on everyday purchases. Earns 2%–10% cash back at select national merchants through the Petal Perks/Offers program (card-linked offers visible in the Petal app). Merchant offers are personalized and rotate throughout the year.
Installments - -
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 Citi® / AAdvantage® Platinum Select® World Elite Mastercard® if its checked rows above line up with how you spend most.
  • Choose the Petal® 1 "No Annual Fee" Visa® Credit Card 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 Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Full review Petal® 1 "No Annual Fee" Visa® Credit Card

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