Fine Print Bureau
Citi Aadvantage Platinum Select
Verified 2026-10-20 against Citibank's own terms page.
What it costs
- Annual fee: $99
- APR range: 19.74%–29.74%
- Foreign transaction fee: not verified
What you get, and what you have to do to get it
- 24-Hour Fraud Protection (other)
- Citi Entertainment (other)
- Citi Flex Pay (other)
- Citi Quick Lock (other)
- Free FICO Score Access (other)
- Free First Checked Bag on Domestic American Airlines (per trip)
- Inflight Food and Beverage Discount (per trip)
- Mastercard ID Theft Protection (other)
- Preferred boarding (other)
- Turo Car Rentals Statement Credit (other)
Only benefits whose terms have cleared review are listed — a benefit the issuer advertises but that has not been verified here is omitted rather than repeated. Per-benefit values are not shown because the underlying field mixes dollars, miles, points and insurance limits without recording which. The dollar question is answered below.
What the fee costs you regardless of use
The $99 annual fee is charged whether or not you use any of the benefits above. Against it, our Fee Reality model estimates $0 of credit value actually realized by a typical cardholder, out of $0 of advertised face value.
Modeled, confidence grade C — not a measurement of your own redemptions. See the Fee Reality Check for the credit-by-credit breakdown.
Date verified and source
Verified 2026-10-20 directly against the issuer's published terms: View Citibank's official terms page
Every figure above traces to a source-evidence row reviewed against the issuer's own terms page — not an aggregator. See the Fine Print Bureau methodology.