In this post I wanted to take a detailed look at the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, which has an exceptional welcome bonus at the moment. If you have a small business and don’t yet have this card, this is a strong reason to consider it.
Citi AAdvantage Business Card Review for February 2020
The Citi AAdvantage Business Card is one of American’s two co-branded business credit cards, and in this post, I wanted to take a close look at everything you need to know about this card. What is the sign-up bonus like, is this a good card for your everyday spending, and what are the best alternatives?
Let’s look at what you need to know, in no particular order.
65,000 Miles Welcome Bonus
The Citi AAdvantage Business Card is offering a great welcome bonus of 65,000 AAdvantage miles after spending $4,000 within the first four months. This is an excellent welcome bonus with a reasonable minimum spending requirement.
I value American miles at ~1.4 cents each, so to me those 65,000 miles are worth about $910.
Note that the bonus miles aren’t available to those who have received a new cardmember bonus for this card in the past 48 months. However, you are eligible if you’ve had a different American Airlines credit card.
Then there are the typical rules for Citi credit card applications, which includes that you can apply for at most one card with them every eight days, and at most two cards every 65 days.
Redeem American miles for Japan Airlines’ 787 business class
$99 Annual Fee, Waived The First 12 Months
The Citi AAdvantage Business Card has a $99 annual fee, though it’s waived for the first 12 months. This is a great way to try the card before you have to really pay for it. You can also add authorized users to the card at no extra cost.
When it comes to actually spending money on the card, the card does have a few bonus categories, though they’re not all that compelling:
- Earn 2x AAdvantage miles on eligible American Airlines purchases
- Earn 2x AAdvantage miles on telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
- Earn 1x AAdvantage miles on all other purchases (the best credit cards for everyday spending)
Those are some potentially useful bonus categories, though there are also other cards offering bonuses in those categories.
No Foreign Transaction Fees
The CitiBusiness AAdvantage Card has no foreign transaction fees, so this can be a good option for purchases you make abroad.
Use this card for purchases abroad and pay no foreign transaction fees
Citi AAdvantage Business Card Benefits
In addition to the great welcome bonus, there are some other reasons to get the Citi AAdvantage Business Card, which may justify the annual fee for some small businesses.
Here’s what you need to know about all the perks offered by this card:
First Checked Bag Free
Receive a first checked bag free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation. There’s no need to actually pay for the ticket with your card, you just have to make sure it’s linked to your AAdvantage account.
American ordinarily charge $30 for the first checked bag, so that’s a $60 value per person roundtrip (and if you had four companions all checking a bag, that would be a value of $300).
American Airlines Companion Certificate
You can receive a domestic main cabin companion certificate when you spend a minimum of $30,000 in purchases on the card in a cardmember year, and when you renew your card.
Personally, this isn’t something that I’d take advantage of, since there are better cards on which you can spend that much money.
Get a companion certificate if you spend enough on the card
World Elite Mastercard Perks
This is a World Elite Mastercard, meaning that it comes with quite a few benefits you may not be familiar with. For example, Mastercard World Elite cardholders receive:
- A $10 Lyft credit after every five rides taken in a calendar month
- $5 off every Postmates order of $25 or more
Is The Citi AAdvantage Business Card Worth It?
Much like the personal version of the card, the Citi AAdvantage Business Card offers a great sign-up bonus with a waived annual fee for the first year. Furthermore, the first checked bag free benefit could more than justify the annual fee after the first year for many.
However, this isn’t a credit card I’d be using for my everyday spending, as there are so many more rewarding options out there. So with that in mind, let’s take a look at a few considerations with this card, and what other cards you should be considering.
Citi Platinum Cards: Personal Vs. Business Version
- The business version of the card has a better welcome bonus
- The business version of the card offers a companion certificate after spending $30,000, while the personal version offers a $125 American flight discount after spending $20,000
- The business version of the card offers 2x miles on eligible American Airlines purchases, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations, while the personal version of the card offers 2x miles on eligible American Airlines purchases, gas stations, and restaurants
As you can see, the cards are very similar. Personally, I think the biggest distinction is that the business card often has a better bonus.
The Best Premium Business Credit Card
If you’re looking for the single best and most well-rounded business credit card out there, I highly recommend the Ink Business Preferred℠ Credit Card (review). The card has a bonus of up to 80K points, has a reasonable $95 annual fee, offers 3x points in useful categories, and more.
You simply can’t go wrong with this as your business rewards card.
The Best No Annual Fee Business Credit
Another excellent business credit card that I think just about everyone should have is The Blue Business® Plus Credit Card from American Express. The card has no annual fee (Rates & Fees) and offers 2x Membership Rewards points on the first $50,000 spent every calendar year. This is the single best card out there for non-bonused spending up that limit, in my opinion.
I value Membership Rewards points at ~1.7 cents each, so to me that’s like a ~3.4% return on spending up to that limit.
American AAdvantage Business Card Summary
The Citi AAdvantage Business Card offers an excellent welcome bonus with an annual fee that’s waived for the first year. 65,000 miles is a huge bonus, and is a great reason to pick up this card and see how it works out for your small business. The card also offers perks like a first checked bag free that some people may get value out of.
But this isn’t a card I’d be putting much spending on, given all of the great business credit cards out there.
The following links will direct you to the rates and fees for mentioned American Express Cards. These include: The Blue Business® Plus Credit Card from American Express (Rates & Fees).