CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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*
- Intro offer: 65,000 miles
- Annual fee: $99, waived for first 12 months
- Regular APR: 15.99% – 24.99% (Variable)
- Recommended credit score: 740-850 (Excellent)
The CitiBusiness AAdvantage Platinum Select Mastercard* is a solid pick for frequent American Airlines flyers, especially business travelers. For those who are loyal to American, the card can help unlock extra perks and benefits — especially once it’s safe to travel freely again.
At a Glance
- Earn 2x miles per dollar on eligible American Airlines purchases, telecommunications, cable and satellite providers, car rental services, and gas stations
- Earn 1x miles per dollar on all other purchases
- Earn 65,000 American Airlines AAdvantage® miles after spending $4,000 in four months
- 25% off in-flight purchases on American Airlines
- First checked bag is free on American Airlines
- $99 annual fee, waived the first year
- 15.99% to 24.99% variable APR
Earn rewards in common business categories
25% off in-flight purchases and first checked bag free on American Airlines
No foreign transaction fees
Not much value for people who don’t frequently fly American Airlines
Additional Card Details
This card has a handful of travel perks for frequent American Airlines flyers, including 25% off in-flight purchases, your first checked bag free, and priority boarding on all American Airlines flights.
If you spend $30,000 per year on the card, you’ll get an American Airlines Companion Certificate. This will allow you to bring a companion with you on a domestic flight in economy class. You’ll have to pay taxes and a $99 fee on the ticket.
Should You Get This Card?
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.
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, for example, you purchase a $300 flight, you’ll get 600 American Airlines AAdvantage miles that you can later redeem for future travel. 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 15.99%-24.99% variable interest on any revolving balances. There is no 0% APR introductory period.
CitiBusiness AAdvantage Platinum Select Mastercard Compared to Other Cards
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
- Intro offer:65,000 miles
- Annual fee:$99, waived for first 12 months
- Regular APR:15.99% – 24.99% (Variable)
- Recommended credit:740-850 (Excellent)
- Learn more At our partner’s secure site
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
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, when it’s safe to do so again.
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