Credit Cards » Compare Credit Cards » AAdvantage Platinum Select vs. Southwest Rapid Rewards Premier
Advertiser Disclosure This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval. This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

AAdvantage Platinum Select vs. Southwest Rapid Rewards Premier

The AAdvantage Platinum Select and the Southwest Premier card share many common features. Here's where each card shines:
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The Citi® / AAdvantage® Platinum Select® and Southwest Rapid Rewards Premier credit cards cater to different travel and airline preferences, each associated with a major U.S. airline. 

General Comparison

The Citi® / AAdvantage® Platinum Select® card is affiliated with American Airlines and cardholders earn AAdvantage miles for every dollar spent, with bonus miles awarded for specific categories like airfare, dining, and gas.

On the other hand, the Southwest Rapid Rewards Premier card is linked to Southwest Airlines, earns Rapid Rewards points, which can be redeemed for Southwest flights, hotel stays, car rentals, and more.

Here's a side by side comparison of the cards main features:

southwest_rapid_rewards_premier_art

Citi / AAdvantage Platinum Select
Southwest Rapid Rewards Premier
Annual Fee
$99 (waived for the first 12 months)
$99
Rewards
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
3X points on Southwest® purchases,2X on Rapid Rewards® hotel and car partners, local transit and commuting, including rideshare, internet, cable, phone services, and select streaming and 1X points on all other purchases.
Welcome bonus
50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
50,000 points after you spend $1,000 on purchases in the first 3 months from account opening
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
21.24% – 29.99% (Variable)
21.49%–28.49% variable
Read Review
Read Review
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Point Rewards Analysis: Which Card Is Better?

When we analyze the amount of points cardholders can get for each card for the same spend, we can see that the AAdvantage Platinum Select card has a slight advantage but not a significant one. Of course, the results can change based on spending habits.

southwest_rapid_rewards_premier_art

Spend Per Category
Citi / AAdvantage Platinum Select
Rapid Rewards Premier
$10,000 – U.S Supermarkets
10,000 miles
10,000 points
$4,000 – Restaurants
8,000 miles
4,000 points
$5,000 – Airline
10,000 miles
15,000 points
$5,000 – Hotels
5,000 miles
10,000 points
$4,000 – Gas
8,000 miles
4,000 points
Total Points
41,000 miles
43,000 points
Redemption Value (Estimated)
1 mile = ~1.5 cents
1 point = ~1.3 cents
Estimated Annual Value
$615
$559

With the Citi Platinum Select Card, you can redeem your points for a variety of options. This includes cash back, travel rewards, gift cards, and merchandise.

Whether you prefer getting money back, planning a getaway, or treating yourself with gift cards or items, the card provides flexible and straightforward redemption choices.

Use American Airlines Select Platinum card miles to book a flight
Use American Airlines Select Platinum card miles to book a flight (screenshot taken by our team from AA app)

With Southwest Airlines, you can use points for flights with no blackout dates, allowing flexible travel. Points cover ticket costs, taxes, and fees. Additionally, you can redeem points for international flights, hotel stays, car rentals, and gift cards.

Southwest Premier card Book redeem points
Redeem points with Southwest Premier card (screenshot from Southwest app)

Airline Benefits And Protections: Comparison

The Southwest Rapid Rewards Premier is the winner here. While there is no significant difference in travel and airline perks, there are many protections that you won't be able to get with the Citi / AAdvantage Platinum Select card:

Citi / AAdvantage Platinum Select

  • First Checked Bag Free: Travelers with the Citi® / AAdvantage® Platinum Select® card enjoy the benefit of a first checked bag free on domestic American Airlines itineraries for themselves and up to four companions on the same reservation.

  • Preferred Boarding: Cardholders also receive preferred boarding on American Airlines flights, allowing them to save time and enhance productivity during the boarding process.

  • 25% Savings on Inflight Food and Beverage: When using the card on American Airlines flights, users receive a 25% discount on purchases of inflight food and beverages, providing additional savings during air travel.

  • $125 American Airlines Flight Discount: By spending $20,000 or more in purchases during the cardmembership year and renewing the card, users can earn a $125 American Airlines Flight Discount, adding a valuable incentive for cardholders who meet the specified spending threshold.

Fly American Airlines
(Photo by Markus Mainka/Shutterstock)
Southwest Rapid Rewards Premier

southwest_rapid_rewards_premier_art

  • 25% Back on Inflight Purchases: Receive a 25% rebate on inflight purchases, making onboard snacks, drinks, and entertainment more affordable for travelers.
  • 6,000 Points Annually on Cardmember Anniversary: Cardholders receive an additional 6,000 bonus points every year on their Cardmember anniversary, further enhancing the annual point accumulation and boosting the overall rewards potential.

  • Unlimited Tier Qualifying Points (TQPs): For every $10,000 spent, earn 1,500 TQPs toward A-List status, with no limit on the amount of TQPs you can accumulate, facilitating progress towards elite status and associated benefits.
Southwest A-List Status
A-List Status balance (screenshot from Southwest app)
  • 2 EarlyBird Check-In® Each Year: Enjoy the convenience of two EarlyBird Check-Ins per year, allowing cardholders to secure earlier boarding positions. 
  • DoorDash Benefits: Cardholders receive a complimentary one-year DashPass membership.
  • Lost Luggage Reimbursement: Receive coverage up to $3,000 per passenger for lost or damaged checked or carry-on luggage.
  • 10,000 Companion Pass Qualifying Points Boost: The card provides an annual boost of 10,000 Companion Pass qualifying points, bringing cardholders closer to earning the highly coveted Southwest Companion Pass.
Use Companion pass on Southwest Flight
Boost and use Companion pass on Southwest flight
  • Baggage Delay Insurance: Get reimbursed for essential purchases (up to $100 per day for 3 days) in case of baggage delays over 6 hours.
  • Extended Warranty Protection: Extend the manufacturer's warranty by an additional year on eligible warranties of three years or less.
  • Purchase Protection: Enjoy coverage for new purchases against damage or theft for 120 days, up to $500 per claim and $50,000 per account, providing added security for your acquisitions.

When You Might Want the Southwest Premier Card?

Here are situations when you might prefer the Southwest Rapid Rewards® Premier Credit Card over the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®:

  • You Fly Southwest Airlines Frequently: If Southwest Airlines is your preferred carrier, using this card consistently will naturally result in accruing more points and rewards due to your frequent flights with the airline.
  • You Want Tier Qualifying Points for Elite Status: Consider the Southwest Rapid Rewards Premier if you're interested in achieving elite status. The card offers tier qualifying points, which count toward A-List status with Southwest, providing benefits like priority boarding, bonus points, and other perks that enhance the overall travel experience.
  • You Want Better Travel Protections: According to our examination, the Southwest card offers travel protections such as lost luggage reimbrsment and baggage delay insurance.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the AAdvantage Platinum Select?

Here are situations when you might prefer the Citi / AAdvantage Platinum Select World Elite Mastercard over the Southwest Rapid Rewards Premier Credit Card:

  • American Airlines Loyalty: Opt for the Citi / AAdvantage Platinum Select if you have a strong loyalty to American Airlines, as this card allows you to earn AAdvantage miles, enhancing your benefits and privileges when flying with American Airlines.
  • Checked Bag Benefits: If you frequently check bags, the Citi® card's first checked bag free benefit on domestic American Airlines flights for you and your companions can result in substantial savings over time, making it a favorable choice.
  • You Plan To Spend At Least $20,000: If you anticipate significant annual spending, the Citi® / AAdvantage® Platinum Select® offers a $125 American Airlines Flight Discount after spending $20,000 or more in purchases during the cardmembership year and renewing the card, providing an attractive incentive for high spenders.

Compare The Alternatives

If you're in search of a travel credit card offering airline rewards, there are several compelling alternatives worth exploring:

amex platinum

Venture X Rewards

The Platinum Card® from American Express
Chase Sapphire Reserve®
Capital One Venture X Rewards
Annual Fee
$550
$395
Rewards
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
Welcome bonus
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Foreign Transaction Fee
$0
$0
Purchase APR
21.24% – 29.24% APR Variable
22.49%–29.49% variable
19.99% – 29.99% (Variable)

Compare Southwest Rapid Rewards Premier

We think the Southwest Rapid Rewards Premier wins – it's cheaper and there is no significant difference in points rewards or airline perks.

Southwest Rapid Rewards Premier vs Priority: Side By Side Comparison

If you're a frequent flyer, the Premier card has the edge so that you can cover the annual fee difference. If not, the Plus card is enough.

Southwest Rapid Rewards Plus vs Premier: Side By Side Comparison

The United Explorer and the Southwest Premier card have numerous shared features. Let's explore the distinctive strengths of each card.

Southwest Rapid Rewards Premier vs. United Explorer: Comparison

While the Southwest Premier card extra travel perks are better, the JetBlue Plus Card is our winner in this comparison. Here's why.

JetBlue Plus Card vs Southwest Rapid Rewards Premier: Side By Side Comparison

Both cards have similar annual cashback value and diverse airline benefits. While there is no clear winner, each card has its unique perks.

Frontier World Mastercard vs. Southwest Rapid Rewards Premier: Side By Side Comparison

Both Alaska and Southwest Premier have similar annual cashback values. While there is no clear winner, each card has its own unique perks.

Alaska Airlines Visa Signature vs Southwest Rapid Rewards Premier: Comparison

Compare AAdvantage Platinum Select

We think that for most consumers, the no-annual-fee AAdvantage MileUp card may be a better option. When you may consider the Platinum Select?

American Airlines AAdvantage MileUp vs. Platinum Select

Paying an annual fee with higher rewards rate & benefits, or getting a no annual fee card with access to Amex membership?

Here's our analysis: Delta SkyMiles Blue vs AAdvantage Platinum Select

The Citi/AAdvantage Executive offers better cashback value and perks than the Platinum Select, but usually it doesn't worth the annual fee.

Citi/AAdvantage Executive World Elite vs. Citi/AAdvantage Platinum Select

While the AAdvantage Platinum Select and the United Explorer Card have many common features, the Explorer card is our winner. Here's why.

Citi/AAdvantage Platinum Select vs. United Explorer: How They Compare?

While the Citi/AAdvantage Platinum Select wins at cashback value, the Aviator Red World card offers better airline perks.

AAdvantage Aviator Red World Elite Mastercard vs AAdvantage Platinum Select

The Delta Gold and AAdvantage Platinum Select offer similar cashback value, but the Delta card is the winner due to its diverse travel perks.

Delta SkyMiles Gold vs. Citi/ AAdvantage Platinum Select: Which Card Wins?

While the airline perks are quite comparable, the JetBlue Plus Card emerges as the preferred choice thanks to higher cashback rates

Citi/ AAdvantage Platinum Select vs JetBlue Plus Card: Side By Side Comparison

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Search
Best Cards Per Category

#1 In credit Cards

Our Newsletter

Sign up to our newsletter for secret credit card tips, insider advice, and exclusive deals straight to your inbox

Start saving smarter with

Our Credit Card Newsletter

Sign up for our newsletter and gain access to expert advice,
insider knowledge, and exclusive offers

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.