CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Advertiser & Editorial Disclosure
If you fly American Airlines often and want a business card that rewards you for travel-based purchases, this card offers competitive rates and an affordable annual fee ($99 after the free promo period). With a generous intro bonus, it’s worth trying for at least the first year to rack up… Continue
Rates and Fees
| Intro APR | N/A |
|---|---|
| Purchase APR | 21.24% - 29.99%(Variable) |
| Annual Fee | $99, waived for first 12 months |
| Welcome Offer | Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. |
| Rewards Rate | Earn 1 AAdvantage® mile per $1 spent on other purchases. Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. |
Details
- Designed for businesses.
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
- First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
- 25% savings on American Airlines inflight Wi-Fi when you use your card.
- Enjoy preferred boarding on American Airlines flights.
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
- Earn 1 AAdvantage® mile per $1 spent on other purchases.
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
- No Foreign Transaction Fees.
Nav's Verdict
Bottom Line Frequent American Airline travelers benefit from building your business credit while enjoying travel-centric perks. The AAdvantage offers numerous ways to earn bonus miles as well as perks when traveling on American Airlines.
If you fly American Airlines often and want a business card that rewards you for travel-based purchases, this card offers competitive rates and an affordable annual fee ($99 after the free promo period). With a generous intro bonus, it’s worth trying for at least the first year to rack up miles you can use for business or personal travel.
Pros and Cons
Perks include:
- Annual Fee of
- Get one free checked bag per domestic flight
- Save 25% on in-flight Wi-Fi fees
- Get preferred boarding status on tickets purchased with your card
- No Foreign Transaction Fees
- Made for businesses
Cons include:
- Low earnings on most spending categories
- Average annual APR
- No intro APR
Summary
If you’re loyal to American Airlines and book several domestic flights per year, you can more than earn back the annual fee for this card ($99) in waived checked luggage fees and rewards miles.
Being able to earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases means your travel will add up to rewards you can redeem for flights, upgrades, rental cars, hotels, and more.
Full Review
Most all of the airline-branded business cards on the market charge annual fees these days, but the waiver offered the first year for new Citibusiness cardholders gives you a no-risk chance to try this card out to see if it’s worth paying the ongoing $99 fee. In comparison to other cards, however, this fee is rather modest; other airline cards have fees ranging from $125 to $250 or more for similar perks.
The card’s generous sign-on offer is where it really shines. The possibility of earning substantial AAdvantage miles is an attractive one, especially for American Airlines frequent flyers, and it’s easy for most businesses to spend the required $4,000 in the first four months to snag these 65,000 promo miles. If you commit to putting a good chunk of business expenses on this card, you can see how these points can accumulate quickly for free and discounted future flights.
As far as earning rewards outside of the promo program, this card’s benefits are somewhat lackluster. A modest 2x rate on eligible American Airlines purchases, telecommunications/cable/satellite providers, car rentals, and fuel purchases is a bit less than what competing, non-airline business card issuers offer, and the 1 mile earned for everything else is underwhelming, as well.
However, the card makes up for savings opportunities with the free checked bag per flight for those who travel often. You can also get free checked bags for up to four companions traveling with you on the same reservation.
Here’s another perk: if you spend $30,000 or more in eligible purchases each year, you can earn a $99 domestic economy fare American Airlines Companion Certificate. For many businesses, hitting this spending threshold will be easy. And you can rack up more miles by having additional authorized users on your account.
Fees to be aware of include the cash advance rate of 25.24% and the cash advance fee of either $10 or 5% of the cash advance amount, whichever is greater.
How to Redeem your Rewards
Earning American Aadvantage miles is easy, as is redeeming them. You’ll receive an update to your miles balance through your linked AAdvantage loyalty account. Look for the total number of points earned on your credit card statement, then verify that this has been credited by logging into your AAdvantage online account.
It may take a few weeks for the loyalty account to sync up with your newly-earned points. You shouldn’t have to do anything extra to get your miles, however. It’s a fully-automated process, and your points are available to spend as soon as you see them in your AAdvantage dashboard. To ensure that you’re credited promptly for purchases made during the promo period, be sure to include your AAdvantage number in your credit card application.
To redeem your AAdvantage miles, log into your AAdvantage account and select the reward you want. Reward options include:
- One-way and round-trip flights, domestic and international
- Flight upgrades
- Main cabin seats
- Cars
- Hotels
- Vacations
- Five-star service
- Admirals Club membership
- Products
- Donations
For reward travel, you can redeem miles for both American Airlines and its partners like British Airways.
Is the Right for You?
Like most airline-branded cards, the Citibusiness card is best for those who are loyal to one airline and plan on traveling on more than a few flights per year. For everyone else, taking advantage of sign-up bonus earning opportunities is the most effective way to use this card. Citi gives you a full year to see if you like it before charging that annual fee. You can hardly go wrong with at least giving it a try.
Other Options
If you aren’t loyal to one airline for most of your travel or like to accumulate more rewards in categories other than travel, you may want to consider one of these other Citi branded business credit cards. Additionally, if you’re a small business owner who frequently shops at Costco, the Costco Anywhere Visa® Business Card by Citi could be a better fit.
Before deciding on a business credit card, be sure to explore introductory offers from other credit card companies. The American Express® Business Gold Card, for example, lets you customize your rewards based on your business needs. Also, Chase and Capital One both offer several business credit cards with different rewards programs to consider.
Frequently Asked Questions
Still have questions about the Citibank Aadvantage Platinum Select Mastercard? We’ve got answers.
What is the Citi AAdvantage Executive World Elite Mastercard 50,000 offer?
The Citi® AAdvantage® Executive World Elite™ Mastercard® is a different American Airlines credit card with a sizeable introductory offer: earn 50,000 miles for spending $5,000 in 3 months. This is a personal, not a business card.
What is the Citi AAdvantage business card 75000 offer?
The Citi® AAdvantage® Executive World Elite™ Mastercard® (not this card) had offered 75,000 miles for spending $7,500 in 4 months under a now-expired offer. under the current welcome offer.
What is Citibusiness AAdvantage Platinum Select?
Credit card issuer Citibank offers several business credit cards; this one is in partnership with American Airlines and allows cardmembers to earn Aadvantage miles with purchases, which can be redeemed for travel or products.
Who Should Get the CitiBusiness Platinum Select Mastercard?
Business owners who travel fairly frequently with American Airlines will most benefit from this business credit card, as it allows you to earn 2x miles for every American Airlines purchase, and rewards can be redeemed for travel with the airline.
How can I pay my ?
Payments need to be made directly to Citi and can be done using their online payment portal, by mail, or by calling 1-855-378-6468.
How long does it take to fill out the application?
If you have all your personal info handy, such as your name, Social Security number, business DBA, tax ID number, and personal annual income, you can usually fill the form out in five minutes or less. Approvals may be instant, or you may receive a decision within 7-10 business days.
How many times can I sign up for this bonus offer?
You may be ineligible to open a new account if you already have a CitiBusiness® / AAdvantage® Platinum Select® Mastercard® card. Also, Citi states that you will not receive the bonus miles if you have opened or closed a CitiBusiness® / AAdvantage® card in the past 24 months.
Nav’s Verdict
If you are a frequent flyer with American Airlines, this can be a great option for an airline-branded card.
If you fly American Airlines often and want a business card that rewards you for travel-based purchases, this card offers competitive rates and an annual fee ($99 after the free promo period.) With a generous intro bonus, it’s worth trying for at least the first year to rack up miles and get some free flights.
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