Aeroplan® Card vs Citi / AAdvantage Platinum Select World Elite Mastercard
Annual fees: Aeroplan® Card $195/yr, Citi / AAdvantage Platinum Select World Elite Mastercard $99/yr. Strongest bonus categories: Aeroplan® Card on travel, Citi / AAdvantage Platinum Select World Elite Mastercard on dining.
Card data as of October 12, 2026.
Aeroplan® CardChase · $195/yr
Overview
- Annual fee
- Aeroplan® Card$195Citi / AAdvantage Platinum Select World Elite Mastercard$99LowestWaived first year
- Welcome offerCurrent public offer
- Aeroplan® Card75,000 pointsCiti / AAdvantage Platinum Select World Elite Mastercard80,000 miles
- Rewards
- Aeroplan® CardAeroplan Loyalty ProgramCiti / AAdvantage Platinum Select World Elite MastercardAmerican AAdvantage
- Foreign transaction fee
- Aeroplan® CardNoneCiti / AAdvantage Platinum Select World Elite MastercardNone
- Network
- Aeroplan® CardMastercard World EliteCiti / AAdvantage Platinum Select World Elite MastercardMastercard World Elite
Earn ratesPer $1 spent
- Travel
- Aeroplan® Card3xHighestCiti / AAdvantage Platinum Select World Elite Mastercard1x
- Dining
- Aeroplan® Card2xCiti / AAdvantage Platinum Select World Elite Mastercard2x
- Gas Stations
- Aeroplan® Card2xCiti / AAdvantage Platinum Select World Elite Mastercard2x
- Grocery Stores
- Aeroplan® Card2xHighestCiti / AAdvantage Platinum Select World Elite Mastercard1x
- Everything else
- Aeroplan® Card1xCiti / AAdvantage Platinum Select World Elite Mastercard1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Aeroplan® Card
- $120 Global Entry/TSA PreCheck/NEXUS · $120 every 4 years
Citi / AAdvantage Platinum Select World Elite Mastercard- $180 Turo credit
- Dining & delivery
- Aeroplan® Card
- DoorDash DashPass
Citi / AAdvantage Platinum Select World Elite Mastercard— - Other credits
- Aeroplan® Card
- Up to $100 in Air Canada credits · $50 every 6 months
- Credit Journey
Citi / AAdvantage Platinum Select World Elite Mastercard—
Perks & access— means none on record
- Hotel status & programs
- Aeroplan® Card
- Automatic Aeroplan 25K Status
- Aeroplan 35K Status at $75,000 spend
Citi / AAdvantage Platinum Select World Elite Mastercard— - Airline perks
- Aeroplan® Card
- 15% off Air Canada flight redemptions
- Free First Checked Bags
Citi / AAdvantage Platinum Select World Elite Mastercard- $125 American Airlines Flight Discount
- First checked bag free for cardholder plus 4 companions
- Preferred boarding on American Airlines flights
- Save 25% on inflight food and beverages
- Other perks
- Aeroplan® Card
- No foreign transaction fees
- Mastercard 24/7 Concierge
Citi / AAdvantage Platinum Select World Elite Mastercard- Citi Entertainment®
- No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Aeroplan® Card
- Trip Cancellation/Trip Interruption Insurance · up to $1,500
- Trip Delay Reimbursement · up to $500
Citi / AAdvantage Platinum Select World Elite Mastercard— - Baggage
- Aeroplan® Card
- Baggage Delay Insurance · up to $100
Citi / AAdvantage Platinum Select World Elite Mastercard— - Rental car
- Aeroplan® Card
- Auto Rental Collision Damage Waiver
Citi / AAdvantage Platinum Select World Elite Mastercard— - Purchase & returns
- Aeroplan® Card
- Purchase Protection · up to $500
- 24/7 Fraud Monitoring
Citi / AAdvantage Platinum Select World Elite Mastercard— - Other protections
- Aeroplan® Card
- Roadside Assistance
Citi / AAdvantage Platinum Select World Elite Mastercard- Comprehensive identity theft monitoring
Pros & cons
- Pros
- Aeroplan® Card—Citi / AAdvantage Platinum Select World Elite Mastercard
- First year annual fee waived (then $99)
- Free first checked bag for cardholder and up to 4 companions on domestic AA flights
- 2x miles on American Airlines purchases, restaurants, and gas stations
- 80,000 bonus miles after $3,500 spend in 4 months
- Preferred boarding for cardholder and companions
- Cons
- Aeroplan® Card—Citi / AAdvantage Platinum Select World Elite Mastercard
- No lounge access included
- Free checked bag is domestic-only (no international flights)
- Only first bag free (not second bag like Executive card)
- 1x earning on non-bonus spending is below average
- Miles locked to American Airlines and partners
Category-by-Category Winner
The Aeroplan® Card wins in 2 of 2 categories. The Citi / AAdvantage Platinum Select World Elite Mastercard leads in 0.
Grocery Stores
Aeroplan® Card earns 2X vs 1X
Travel
Aeroplan® Card earns 3X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Aeroplan® Card | Citi / AAdvantage Platinum Select World Elite Mastercard | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $250 Credits (our usable estimate): $93 − Annual fee ($195) Ongoing: $148 Year one: $1,123 | Rewards: $195 Credits (our usable estimate): $90 − Annual fee ($99) Ongoing: $186 Year one: $1,325 | Close — depends on how much of the credits you use | Citi / AAdvantage Platinum Select World Elite Mastercard |
| Heavy spender: $4,000/month | Rewards: $998 Credits (our usable estimate): $93 − Annual fee ($195) Ongoing: $896 Year one: $1,871 | Rewards: $780 Credits (our usable estimate): $90 − Annual fee ($99) Ongoing: $771 Year one: $1,910 | Aeroplan® Card | Close — depends on how much of the credits you use |
Is the Fee Difference Worth It?
The Aeroplan® Card costs $195/yr — that's $96 more than the Citi / AAdvantage Platinum Select World Elite Mastercard ($99/yr). To justify that gap, you need to extract at least $96 in annual value from the card's higher earn rates and benefits.
The Aeroplan® Card includes travel credits, dining credits, Global Entry/TSA PreCheck credit, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $96 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $96 fee gap means the Aeroplan® Card needs roughly $96 more in annual rewards (or credits you will use) to break even on travel and dining and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Citi / AAdvantage Platinum Select World Elite Mastercard means losing:
- -Global Entry credit
Which Card Is Right for You?
Get the Aeroplan® Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: Aeroplan® Card $195/yr, Citi / AAdvantage Platinum Select World Elite Mastercard $99/yr — a $96 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Aeroplan® Card worth the higher annual fee?
- The Aeroplan® Card costs $195/yr vs $99/yr for the Citi / AAdvantage Platinum Select World Elite Mastercard. Compare the year-one vs ongoing value table on this page — the $96 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Aeroplan® Card also lists travel credits, dining credits).
- Which card earns more rewards, the Aeroplan® Card or Citi / AAdvantage Platinum Select World Elite Mastercard?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Aeroplan® Card have that the Citi / AAdvantage Platinum Select World Elite Mastercard doesn't?
- The Aeroplan® Card offers travel credits, dining credits. The Citi / AAdvantage Platinum Select World Elite Mastercard offers travel credits.
- Should I get the Aeroplan® Card or the Citi / AAdvantage Platinum Select World Elite Mastercard?
- Use the spend scenarios on this page: the Citi / AAdvantage Platinum Select World Elite Mastercard has a lower $99/yr fee; the Aeroplan® Card must earn enough extra (or offer a larger welcome bonus) to justify $195/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.