CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

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Last updated on July 27th, 2022

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
  • Regular Purchase APR 18.24% - 27.24% (Variable)
  • Cash Advance APR 27.49% variable based on the Prime Rate
  • Annual Fee $0 for the first 12 months. After that, $99
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 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 mile earned from purchases
  • No Foreign Transaction Fees
Rates & Fees
  • Regular Purchase APR: 18.24% - 27.24% (Variable)
  • Cash Advance APR: 27.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is higher
  • Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee: $0 for the first 12 months. After that, $99
  • Late Payment Penalty Fee: $41
  • Return Payment Penalty Fee: $41
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CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Terms & Conditions

At a Glance

The CitiBusiness AAdvantage Platinum Select® World Mastercard is a business travel card that hits many of the right notes. The card earns double miles on purchases with American Airlines, as well as with select merchants, which includes telecommunication companies, cable or satellite providers, car rental companies, or gas stations. Every other dollar spent on purchases earns a single mile. The card also features a generous sign-up bonus after meeting minimum spending requirements, a first checked bag for the cardholders and up to four other guests on the same American Airlines itinerary, and more – all for an annual fee of $99, which is waived for the first year.

Ideal for Those Who:

  • Travel often for business and prefer to fly with American Airlines
  • Issue employee cards or add authorized users to their accounts
  • Are budget-conscious when sending employees on work trips

CitiBusiness AAdvantage Platinum Select World Mastercard Review

The CitiBusiness AAdvantage Platinum Select® World Mastercard is offered with the traveling business owner in mind. Whether you frequently fly to oversee aspects of your company abroad or conduct your affairs domestically and simply like to explore the globe on your off time, this card can allow you to thrive regardless of your lifestyle.

Impressive Signup Bonus and Lucrative Bonus Categories

The card’s signup bonus is particularly generous, giving you 65,000 bonus miles when you spend $4,000 within the first four months as a cardmember. If you’re covering recurring costs for your business, or planning on it, reaching this goal should be quite manageable. During, and after, the hunt for the signup bonus, you’ll earn two AAdvantage miles on eligible American Airlines purchases, as well as on select business expense categories, including telecommunications merchants, gas stations, cable and satellite providers, and car rental agencies. All other purchases will net you one mile per $1 spent.

How to Redeem Miles

The easiest way to redeem miles with AAdvantage  is through flights with American. One-way reward flights on American Airlines usually start from about 7,500 miles for trips that begin and end in the continental U.S. or Canada, with flights to Europe starting from about 25,000 miles. Fortunately, AAdvantage members can also apply their miles towards flights with other Oneworld alliance carriers, which includes major names like British Airways, Iberia, Cathay Pacific, Japan Airlines, and more.

Other options for miles redemptions include:

  • Hotel bookings through the AAdvantage portal
  • Car rentals at over 500 destinations around the world
  • Seat and status upgrades with American Airlines or their subsidiaries, including American Eagle
  • Vacations booked through the AAdvantage travel portal
  • Merchandise or gift cards
  • Gifts for friends and family

CitiBusiness AAdvantage Platinum Select Small Business Travel Benefits

As an airline credit card, the CitiBusiness AAdvantage Platinum Select World Mastercard saves you money with a complimentary first checked bag on domestic flights and a 25% discount when your purchase in-flight Wi-Fi connectivity. You’ll also get preferred boarding free of charge, allowing you to get to your seat faster and all-but-guaranteed a spot in the coveted overhead compartment for your carry-on bag. 

Another notable perk is a companion certificate that’s made available to you after you spend at least $30,000 in a year and renew your card for another year. The certificate is valid for a domestic main cabin itinerary, and you’ll still have to pay for fees and taxes, but it can nevertheless offer considerable savings depending on the cost of the flight.

Aadvantage citibusiness platinum select

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

  • Earn 65,000 bonus miles. Terms apply.
  • Earn 2X miles on car rentals and gas stations
  • Earn 2X miles at telecommunications merchants, cable and satellite providers
  • Companion certificate after spending $30,000 or more in purchases each year
  • $99 annual fee (waived for first year)

Southwest Rapid Rewards Premier Business Credit Card

  • Earn 80,000 bonus miles and Companion Pass
  • Earn 3X points  on Southwest Airlines® purchases
  • Earn 2X points on on Rapid Rewards hotel and car rental partner purchases, plus social media, SEM, an local transit and commuting, including rideshare services
  • 2 EarlyBird Check-In® each yea
  • $99 annual fee 

Southwest Rapid Rewards Performance Business Credit Card

  • Earn 80,000 bonus miles and Companion Pass
  • Earn 4X points  on Southwest Airlines® purchases
  • Earn 3X points on on Rapid Rewards hotel and car rental partner purchases
  • Earn 2X on social media, SEM, an local transit and commuting, including rideshare services, plus on local transit and commuting, including rideshare services
  • 2 EarlyBird Check-In® each yea
  • TSA Precheck/Global Entry statement credits
  • $199 annual fee

Business and Account Tools

As a business credit card, CitiBusiness AAdvantage Platinum Select® World Mastercard offers digital tools to make your life easier. You can view all your account details and billing statements online, thereby streamlining the reconciling process for your accounting. You also have 24/7 access to a personal business assistant who can arrange travel and dining – particularly useful if you need to schedule a meeting with clients. In addition, you can issue additional cards to your employees, who will earn you AAdvantage® miles as they make purchases.

Other Things to Consider

The CitiBusiness AAdvantage Platinum Select® World Mastercard charges a $99 annual fee, though it’s waived for your first cardmember year. And since it’s a travel card, you can use it around the world with peace of mind, as there are no foreign transaction fees. Other notable benefits are standard for a credit card of its type, such as travel and car rental insurance, emergency assistance and purchase warranty, and even the convenience of adding the card to your digital wallet via Apple Pay.

FAQs About the Citibank AAdvantage Credit Cards

Here are some of the most commonly asked questions regarding the AAdvantage lineup of credit cards from Citi, along with the answers:

  • Yes. AAdvanatge frequent flyer miles expire after 18 months of inactivity on the cardholder’s account. Fortunately keeping an account active is as easy as making a purchase with an AAdvantage co-brand credit card from Citi.
  • You can book award travel on many partner airlines on aa.com and on the American app. Partner airline flights are included in award travel search results, and you can filter results for your preferred partner airlines on the Choose flights page
  • No. American Airlines’ loyalty program – AAdvantage – is free to join. Members may purchase Admirals Club membership – providing lounge access on American flights – from $600 per year.

Card Availability

Citibank credit, debit, and banking products are available in all 50 U.S. states plus the District of Columbia.

Citibank Ratings

How does the Citi AAdvantage stack up? Here are a selection of expert reviews for the card, as well as an overview of Citi as a bank:

4/5
4/5
2.5/5

User Rating

4.3/5

Should You Apply for the CitiBusiness AAdvantage Platinum Select World Mastercard?

Overall, the CitiBusiness AAdvantage Platinum Select World Mastercard performs admirably as both an airline rewards card and a business credit card. One-way domestic tickets with American Airlines start as low as 7,500 miles, meaning with just $4,000 in spending in the first four months is an easily achievable goal for most businesses – especially when additional authorized users are added to the account.

Beyond the excellent introductory bonus offer, the card earns a reliable number of miles with every purchase and offers the prospects of an American Airlines Companion Certificate after spending requirements are met in the calendar year. While $30,000 may seem like a steep spending requirement, if your company can easily reach the initial $4,000 spending bonus, the $30,000 shouldn’t be too much trouble either.

The information related to CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.

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