5 Reasons To Get The CitiBusiness AAdvantage Card

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Update: These offers for the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® and the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® have expired. Learn more about the current offers here.

For several months now we’ve seen an increased welcome bonus on the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

This is a really spectacular welcome bonus, and personally I consider it to be the second best credit card bonus out there on any card, after the bonus on the Ink Business Preferred℠ Credit Card.

In this post I wanted to share five reasons you should get the CitiBusiness AAdvantage Platinum Card, if you don’t have the card yet.

A welcome bonus of 70,000 miles

The card offers a welcome bonus of 70,000 AAdvantage bonus miles after spending $4,000 within the first four months. 70,000 miles is enough for a one-way saver level business class ticket from the US to Europe, South America, Asia, or the Middle East/India. That’s a huge amount of value to get from a single credit card welcome bonus.

To give another example of a great use of American miles, I recently redeemed 75,000 AAdvantage miles for a one-way Qatar Airways business class ticket from Cape Town to Dallas via Doha on Qatar Airways’ A350 the entire way. That’s a spectacular use of miles.

Redeem your American miles for travel in Qatar Airways Qsuites

Waived annual fee the first year

While the card has a reasonable $99 annual fee, it’s waived for the first 12 months, so this is a card you can “try before you buy.”

Doesn’t count towards 5/24

If you want to apply for certain Chase credit card there’s the 5/24 rule, which means you typically won’t be approved for a Chase card if you’ve opened five or more new card accounts in the past 24 months. However, only certain cards count towards that limit. Most business credit card applications, including Citi business cards, don’t count towards that limit. This is because these cards don’t show on your personal credit report.

For example, I spent much of 2018 trying to get under that limit, though was still able to apply for the CitiBusiness AAdvantage Platinum Card last year without having it count as a further card.

Non-restrictive eligibility requirements

The eligibility terms of this card say the following:

This card is not available if the business already has a CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® account. Bonus miles and any additional special offer not available if you have had any CitiBusiness® / AAdvantage® account opened or closed in the past 24 months.

So you’re not eligible for this card if you’ve opened or closed the card in the past 24 months. However, having any of the Citi AAdvantage personal cards doesn’t prevent you from getting this one.

This is a worthwhile distinction because the personal cards are more restrictive — for example, the Citi® / AAdvantage® Executive World Elite™ Mastercard® and Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® both have the following language:

American Airlines AAdvantage® bonus miles are not available if you have had any Citi® / AAdvantage® card (other than a CitiBusiness® / AAdvantage® card) opened or closed in the past 24 months.

So if you’ve opened or closed one of the personal cards in the past 24 months, then you’re not eligible for any of the other personal cards.

First checked bag free & preferred boarding

Just for having the CitiBusiness AAdvantage Platinum Card you receive:

  • Preferred boarding on domestic American flights
  • First checked bag free on domestic itineraries for you and up to four companions on the same reservation

There’s no need to pay for your ticket with the card to qualify for these perks, but rather all that matters is that the primary cardmember’s account is linked to the reservation.

Given that American usually charges $30 per checked bag, you could pretty quickly recoup the card’s $99 annual fee (waived the first year) with this benefit, since this can save you up to $300 per roundtrip (if five people were traveling and all checking bags).

Bottom line

The current welcome bonus on the CitiBusiness AAdvantage Platinum Card is the best I ever recall seeing on the card, and if you’re eligible, I highly recommend applying. This is a card I applied for last year, and that I recommend others consider as well.

See this post for more general information on Citi credit card eligibility, and see this post for more information on how to apply for a Citi business credit card.

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.


  1. I want this card. I need to figure out how I can qualify as a business. I only have Citi AAdvantage right now. Once I get my credit score up I’m going for Barclays Aviator.

  2. Jeff with an opinion,
    My wife and I both applied last weekend and each went to pendiing review, we each called on Monday and were both approved.

  3. Applied and approved. Cancelled my Red Aviator last week, as retention offers are no longer available. This new card will replace it, and will be able to keep preferred boarding and cover fees for AA flights this year. Thanks Lucky.

  4. Citi is getting TIGHT with their approvals on this card. I was denied because I couldn’t provide a business banking statement or business lease doc…even though my wife was approved without either.

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