Citi Premier Vs. Citi AAdvantage Business — Which Is Better?

In the interest of full disclosure, One Mile At A Time earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out my advertiser policy for further details about our partners, including American Express, Capital One, Chase, and Citi, and thanks for your support!

Update: This offer for the Citi Premier℠ Card has expired. Learn more about the current offers here.

While Citi has several great welcome bonuses at the moment, there are two that I consider to be especially good:

If you wanted to, the cool thing is that you could potentially get approved for both of these cards the same day — that’s exactly what happened with my mom. Earning 130K+ points with the annual fees on both cards waived for the first year is pretty awesome.

Which Citi bonus is better?

While you could potentially get approved for both cards if you wanted to, which of the two bonuses is more rewarding , if you just wanted to apply for one card — that on the Citi Premier℠ Card or CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®?

Well, personally I value American AAdvantage miles at 1.3 cents each and Citi ThankYou points at around 1.7 cents each, so based on that I value the welcome bonus on the Citi Premier at ~$1,020, and the welcome bonus on the CitiBusiness AAdvantage at ~$910. So I’d say the Premier bonus is a little better, though it does depend what you’re trying to redeem for.

Citi ThankYou points are incredibly versatile, while 70,000 AAdvantage miles is conveniently enough for a one-way ticket in business class from the US to Europe, Asia, the Middle East, India, etc. So that is a nice increment of miles to have.

Do keep in mind that applying for a Citi business card wouldn’t count as an inquiry towards the 5/24 limit, if that’s a consideration.

Which Citi card is better long term?

If you’re looking for a card to maximize your everyday spend, the Citi Premier℠ Card is tough to beat. The card offers triple points on travel and gas, and double points on dining and entertainment. You earn flexible points that can either be converted into airline miles or can be redeemed for 1.25 cents each towards the cost of airfare, so there are lots of great uses. This is a card it could make sense to use for long-term spend.

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, on the other hand, offers double miles on purchases with American Airlines, as well as double miles on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and at gas stations. For the most part those bonus categories aren’t quite as generous.

The card does offer some great perks if you frequently fly with American, though, including a first checked bag, preferred boarding on American Airlines, and 25% savings on American Airlines inflight wifi purchases.

Bottom line

Both the Citi Premier℠ Card and CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® have increased welcome bonuses at the moment that are among the best we’ve seen. You can potentially get approved for both of these cards the same day if you wanted to, which would earn you a lot of points, and get you some great benefits. 

If you do just want to pick up one card, though, the better option depends on what you’re looking for. I value the ThankYou Premier Card bonus a bit more, but the AAdvantage Card bonus could also be valuable for oneworld business class redemptions. Long term the Premier Card offers a much better return on spend, while the AAdvantage Card offers more useful perks if flying American.

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.


Leave a Reply

Your email address will not be published. Required fields are marked *