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Citi® Platinum Select® / AAdvantage® World MasterCard®
&
PenFed Promise Card
Side-by-Side Comparison


Here is the detailed comparison.

Citi® Platinum Select® / AAdvantage® World MasterCard® and PenFed Promise Card

Citi® Platinum Select® / AAdvantage® World MasterCard® Offer Citi® Platinum Select® / AAdvantage® World MasterCard®  Official
Card
Name
PenFed Promise Card  PenFed Promise Card Offer
CitiBank Logo CitiBank 
 
Provider
   Logo
 
MasterCard  Brand  
$95, waived for first 12 months*  Annual Fee $0 
n/a*  Introductory
Rate
7.49% 
n/a*  Length of
Intro Period
36 Mo. 
15.24%* (Variable)  Go To Rate
(After Intro)
9.99% (Variable) 
N/A  Balance Transfer
Available
Yes 
Very Good  Credit Level
Required
Good 
For a limited time, Earn 40,000 American Airlines AAdvantage® bonus miles after $3,000 in purchases within the first 3 months of cardmembership*  Bullet Points:
1
You must be a PenFed member to apply. Not yet a member? It's easy to join!  
Your first eligible checked bag is free*  2 You may be eligible through your employment, association membership, and volunteerism, or by becoming a member of one of our nonprofit partner organizations. 
Priority Boarding with Group 1 privileges* and 25% savings on eligible in-flight purchases*  3 Absolutely no fees—no annual fee, no foreign transaction fee, no balance transfer fee, no cash advance fee, no late fee, no over credit limit fee, and no penalty fee. 
Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*  4 7.49% introductory purchase APR for the first 36 months. After that, the APR will vary with the market based on the Prime Rate, and is currently 9.99% APR. 
Double AAdvantage® miles on eligible American Airlines purchases*  5 4.99% APR promotional balance transfer rate for life of balance on transfers made between October 1, 2012, and December 31, 2012. 
     



 


     


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