Citi American AAdvantage Business Card Review (2020)

Filed Under: American, Citi
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2x miles
on eligible AA purchases
checked bag
no foreign
transaction fees
Annual Fee: $99, waived for first 12 months

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.

Rewards Structure

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

So, how does the Citi AAdvantage Business Card compare to the Citi AAdvantage Platinum Card, aside from the obvious distinction that one is a personal card and one is a business card?

  • 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.

If you want to learn more about the CitiBusiness AAdvantage Platinum Card or apply, follow this link.

Apply Now

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).

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. Has Citi said how long this offer will be available?

    If not, how long do Citi “limited time” offers usually last?

  2. I applied for this a week before the 70,000 bonus points went live. I called the customer service and ask for this offer and they said no, they can’t do anything, So I am stuck with the 60000 points. I wonder if anyone else has the same experience?

  3. Can someone explain the benefits of the Citi AA card over the Barkley Aviator AA card ? I recently got the Aviator red AA card and got the bonus miles, will get a companion ticket after 1 year, $25. statement credit, $99. fee waived the first year, free baggage and priority boarding.

    Should I cancel this card and get the Citi AA card instead ? It sounds like I may have made a big mistake choosing the wrong AA card. Thanks.

  4. Not a good idea to cancel the Barclays card so soon. They frown on that sort of thing, and it will make it harder to get a card from them in the future. Keep it open for a full year, and only cancel just before the new AF is due. In the meantime, you can still apply for the Citi AA card. It’s not one or the other, it’s both/and. Many of us have/had both of them at once.

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