CitiBusiness AAdvantage Platinum Select Mastercard Review

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CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Editor’s Score: (3.75/5)
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CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Editor’s Score: (3.75/5)
  • Intro offer:
    65,000 miles
  • Annual fee:
    $99, waived for first 12 months
  • Regular APR:
    18.99% – 27.99% (Variable)
  • Recommended credit score:
    740-850 (Excellent)
Rewards rate:

Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles per $1 spent 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*

NextAdvisor’s Take

Pros
  • Earn rewards in common business categories
  • 25% off in-flight purchases and first checked bag free on American Airlines
  • No foreign transaction fees
Cons
  • Annual fee
  • Not much value for people who don’t frequently fly American Airlines
The Bottom Line
The CitiBusiness AAdvantage Platinum Select Mastercard is a solid pick for frequent American Airlines business travelers looking to earn extra miles on American purchases and other expenses associated with travel or regular business spending. It can help you save money while flying and earn more AAdvantage miles to redeem for future travel.

Additional Card Details

  • Earn an American Airlines companion certificate for domestic main cabin travel after you spend $30,000 in a cardmember year (taxes and fees apply)
  • 25% off in-flight purchases on American Airlines
  • First checked bag is free on American Airlines
  • Priority boarding on American Airlines flights
  • Online account summaries to help business accounting
  • Earn miles with employee authorized user cards
  • 18.24% to 27.24% variable APR

CitiBusiness AAdvantage Platinum Select Mastercard Full Review

Card Type

This is a co-branded travel rewards credit card for frequent American Airlines flyers. It’s also a business credit card, with rewards and benefits designed for small business owners.

Annual Fee

The card has a $99 annual fee, but it’s waived for the first 12 months.

Welcome Offer

Earn 65,000 bonus miles after making $4,000 in purchases within the first 4 months of account opening.

Rewards

You’ll earn 2x miles per dollar on all eligible American Airlines purchases and select business categories, plus 1x mile per dollar on everything else. Eligible business categories include telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations

There’s no limit on the number of miles you can earn. When you’re ready to redeem, you can use your miles toward an award flight with American, fare class upgrades, car rentals, hotel stays, and other redemption options.

Fees 

There’s a $99 annual fee with this card, though it’s waived the first year. The purchase APR for this card is a variable 18.24% to 27.24%, and there’s no 0% APR offer for purchases or balance transfers

There are no foreign transaction fees on international purchases you make with the card. Late and returned payments may incur a fee up to $40 and penalty APR up to 29.99%.

How to Use CitiBusiness AAdvantage Platinum Select Mastercard

Begin maximizing this card by taking advantage of the current welcome offer. If you spend $4,000 in the first four months from account opening, you’ll receive 65,000 American Airlines AAdvantage miles. Just make sure that spending fits within your regular business budget — you don’t want to take on high interest debt simply to score a welcome bonus.

Over time, rack up your AAdvantage miles by using this card for purchases in qualifying bonus categories. You’ll earn 2x miles per dollar on all eligible American Airlines purchases and a few other categories geared toward business owners, plus 1x mile per dollar on everything else. If you have regular business expenses with telecommunications, cable, and satellite providers; car rental merchants; and gas stations, you can earn your miles twice as quickly.

This card is also a good choice for purchases aboard American Airlines, as you’ll get 25% off in-flight food, drinks and even Wi-Fi. If you combine your bonus category spending with another one of our favorite techniques for earning AAdvantage miles — using the American Airlines AAdvantage Shopping Portal — you can easily accumulate a lot of American Airlines miles.

You’ll also get an American Airlines Companion Certificate when you spend $30,000 or more, as well as priority boarding when you use this card to pay for your American Airlines flights.

Because this card does not have foreign transaction fees, it’s a worthy pick to take with you on any future international trips. 

Also make sure to pay your card balance in full each month to avoid paying the steep 17.49%-26.49% variable interest on any revolving balances. There is no 0% APR introductory period.

CitiBusiness AAdvantage Platinum Select Mastercard Compared to Other Cards

Our Choice
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CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Editor’s Score: (3.75/5)
  • Intro offer:
    65,000 miles
  • Annual fee:
    $99, waived for first 12 months
  • Regular APR:
    18.99% – 27.99% (Variable)
  • Recommended credit:
    740-850 (Excellent)
  • Learn more externa link icon At our partner’s secure site
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Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Editor’s Score: (3.65/5)
  • Intro offer:
    50,000 miles
  • Annual fee:
    $99, waived for first 12 months
  • Regular APR:
    18.99% – 27.99% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site See Rates & Fees, Terms Apply.
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American Express® Business Gold Card

American Express® Business Gold Card

Editor’s Score: (3.9/5)

Is CitiBusiness AAdvantage Platinum Select Mastercard Right for You?

You’ll benefit most from this card if you’re a business traveler who mostly flies American Airlines, and you’d benefit from elevated rewards for car rentals and gas. You won’t get much out of this card if you regularly fly other airlines, or your business doesn’t require travel at least a few times per year.

Because the card carries a $99 annual fee (waived the first year), you’ll want to make sure you are flying American Airlines frequently enough to use the perks that will make up for that cost. For example, the free checked bag benefit alone can save you a minimum of $30 each time you fly. You’ll also get 25% off in-flight purchases, such as food, drink and Wi-Fi, when flying American Airlines.

If you’re interested in earning points that you can later redeem for future travel — across various hotels or airlines — you’ll likely be better off getting a business card that provides more flexibility, and is not tied to a single airline, like the Chase Ink Business Preferred or American Express® Business Gold Card.

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Frequently Asked Questions

What credit score do you need for the CitiBusiness AAdvantage Platinum Select Mastercard?

You’ll need a credit score between 720 and 850 to get approved for this card.

Does the CitiBusiness AAdvantage Platinum Select Mastercard have an annual fee?

Yes, it has a $99 annual fee, though it’s waived the first year.

*All information about the CitiBusiness / AAdvantage Platinum Select Mastercard and Citi / AAdvantage Platinum Select World Elite Mastercard has been collected independently by NextAdvisor and has not been reviewed by the issuer.

For rates and fees of American Express Business Gold Card, please click here