7 Reasons To Get The CitiBusiness AAdvantage Card

7 Reasons To Get The CitiBusiness AAdvantage Card

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The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® offers an excellent welcome bonus, is anecdotally easy to be approved for, and is a card that many people haven’t applied for in the past, and are therefore eligible for.

In this post I wanted to share seven reasons you should consider applying for this card, assuming you don’t have it already. For a more detailed look at the card, check out my review of the Citi AAdvantage Business Card. Let’s get right into it, in no particular order…

Earn 65,000 AAdvantage bonus miles

The Citi AAdvantage Business Card offers an excellent welcome bonus of 65,000 AAdvantage bonus miles after spending $4,000 within the first four months. I value AAdvantage miles at 1.5 cents each, so to me that bonus is worth nearly $1,000 — that’s huge!

That’s a lot of miles — you’d be just shy of 70,000 AAdvantage miles, which is enough for a one-way business class ticket from the United States to Europe, Asia, the Middle East, India, South America, and more. 75,000 AAdvantage miles is enough for a one-way business class ticket between the United States and South Africa.

Personally, my favorite use of AAdvantage miles is for travel on Etihad Airways and Qatar Airways, given their excellent business class products. For example, I’ve redeemed 75,000 AAdvantage miles to fly Qatar Airways business class from Cape Town to Doha to Dallas to Miami, which was one of my favorite uses of AAdvantage miles ever.

See this post for more great ways to redeem AAdvantage miles.

Redeem AAdvantage miles for travel in Qatar Airways Qsuites

$99 annual fee waived the first year

While the Citi AAdvantage Business 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.” It’s hard to beat the combination of a waived annual fee for the first year and a great welcome bonus.

The card doesn’t count towards 5/24

If you want to apply for Chase credit cards 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 card applications, don’t count towards that limit. This is because these cards don’t show on your personal credit report. If you want a great credit card but don’t want to increase your count towards that limit, this is a reason to pick up this card.

Non-restrictive eligibility requirements

Card issuers have a variety of eligibility restrictions when it comes to getting approved for cards. This card has among the less restrictive rules. Specifically, here are the terms for the Citi AAdvantage Business Card:

You’re not eligible for this card if you’ve received a new cardmember bonus on this exact card in the past 48 months. However, having any of the Citi AAdvantage personal cards doesn’t prevent you from getting the bonus on this card. That’s great, since it means lots of people should be eligible for the bonus.

This card has fairly lax requirements in terms of eligibility

Anecdotally easy card approval

Of course we never actually know the underwriting standards of card issuers, though anecdotally many OMAAT readers have reported that the Citi AAdvantage Business Card is one of the easier business credit cards to be approved for. This of course assumes that you have good or excellent credit.

So if you’re someone who has struggled to get approved for Chase cards (for example) in the past, maybe giving a Citi business credit card like this a try could be worth it.

Redeem AAdvantage miles for travel in Finnair business class

Spending will count towards AAdvantage status

There are major changes coming to the American AAdvantage program as of 2022. With these changes, it’ll be possible to earn American AAdvantage elite status exclusively (or partly) through credit card spending.

Now, personally I don’t think this is worth it for everyone, though the reality is that this is a huge change to how status is earned, and I know many people will be spending significant amounts on AAdvantage credit cards in order to earn elite status.

Once the new system kicks in, spending $200,000 on this credit card would earn you top-tier Executive Platinum status. You can also take a hybrid approach, and earn status partly through credit card spending, and partly through travel and other activity.

Earn AAdvantage elite status with credit card spending

First checked bag fee

Just for having the Citi AAdvantage Business Card you receive a first checked bag free on domestic American Airlines flights. You don’t actually have to pay with the card to use this perk, but rather the AAdvantage number of the primary cardmember just has to be on the reservation. This benefit also applies for up to four additional passengers traveling on the same itinerary.

American usually charges $30 one-way per checked bag, for a total of $60 roundtrip. So if you had four companions, you’re looking at savings of up to $300 on a roundtrip ticket.

Bottom line

The Citi AAdvantage Business Card is offering a solid welcome bonus with the annual fee waived the first year. On top of that, this is a card that many people don’t have and are eligible for, which will make it all the more interesting. 65,000 AAdvantage miles can get you some great premium travel experiences.

In the long run some people might find this card to be worthwhile for the perks, like a first checked bag free, and as of 2022, the ability to earn AAdvantage elite status through credit card spending.

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

Conversations (9)
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  1. Steven M Guest

    Didn't use this card at all after getting the bonus last year and called when the $99 AF came up and requested a credit due to pandemic and not traveling and blah blah blah. Citibank might offer a credit if you ask nicely enough and keep them on the phone for more than a few minutes. But don't ask for the fee to be waived! It's not a waived annual fee; it's a loyalty credit or courtesy credit or some other term like that.

  2. Ethan Guest

    Is this the highest the bonus gets for this card? Thanks!

  3. Benjamin G Guttery Guest

    Howdy Ben!

    So when will the spending for these new "Loyalty Points" start adding up? I've read beginning on the 1st of January, then I've read "for charges billed after January 1st? So if my card statement ends on the 14th each month, would my spending after December 14th 2021 "count" for Loyalty Points in 2022/2023 as it shows up on the January 14th Statement? Sorry if that's confusing, but I'm confused on this.

    1. Ben Schlappig OMAAT

      @ Benjamin G Guttery -- The question makes perfect sense, and I understand how this can be confusing. Spending as of January 1, 2022, will qualify, though the Loyalty Points won't appear in your account until March 2022 (which is because that's when the Loyalty Points system formally launches).

    2. Benjamin G Guttery Guest

      Okay Ben, so basically it doesn't matter what charges "show up" and are "paid for" in January. The charges themselves must be from "January 1st" and beyond to qualify? I did read that they won't show up until our accounts until later. But I swear I read an interview where an AADVANTAGE executive said that they wanted members "Christmas/Holiday Spending" to count towards status. Sorry to.ask for further clarification, but I'm about to open up...

      Okay Ben, so basically it doesn't matter what charges "show up" and are "paid for" in January. The charges themselves must be from "January 1st" and beyond to qualify? I did read that they won't show up until our accounts until later. But I swear I read an interview where an AADVANTAGE executive said that they wanted members "Christmas/Holiday Spending" to count towards status. Sorry to.ask for further clarification, but I'm about to open up another AA card (either this one or and Aviator) and want to be clear. I'll use your links of course!!!

    3. Ben Schlappig OMAAT

      @ Benjamin G Guttery -- It's a great question, and it's possible I'm off. Here's what I see written with the new program FAQs:
      "When will I see my Loyalty Points in my AAdvantage® account? 
      Loyalty Points will accrue starting January 1, 2022 but will not be reflected in your account until March 2022. Thereafter, Loyalty Points will be reflected as your eligible AAdvantage® miles post to your AAdvantage® account."

      But you're right, it's not entirely...

      @ Benjamin G Guttery -- It's a great question, and it's possible I'm off. Here's what I see written with the new program FAQs:
      "When will I see my Loyalty Points in my AAdvantage® account? 
      Loyalty Points will accrue starting January 1, 2022 but will not be reflected in your account until March 2022. Thereafter, Loyalty Points will be reflected as your eligible AAdvantage® miles post to your AAdvantage® account."

      But you're right, it's not entirely clear whether that refers to the statement closing date, or the date of the purchase. I've sent an email to a contact at AAdvantage to get clarification, and I'll let you know when I hear back (hopefully today!).

      And thanks for the support! :)

    4. BenjaminGuttery New Member

      Thank You so much Ben! Really appreciate you checking in on this matter, it's already affecting my spending as I'm holding off on major purchases and opening my 5th CC for now until I know or it starts!

    5. Ben Schlappig OMAAT

      @ Benjamin G Guttery -- I'm happy to report I have an update, and you were right:
      "All statements that close January 1, 2022 or later will qualify for Loyalty Points. So yes, if someone shops in late December and their statement closes on Jan. 1 or later, those purchases would qualify for Loyalty Points."

    6. BenjaminGuttery New Member

      OMG!!! That's HUGE news (I think...) and great for me! I've been Plat Pro for like 3 years now and am always just shy of EP, this year I'm shooting for it big time! Thank You very much Ben for you reading my questions, taking the time to respond, and getting a response from AA. Your the best! My husband and I read your blog religiously and have increased our CC scores and Points balances a ton by listening to you! Really appreciate it Sir! ~ Benjamin & Ruben

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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.

Ben Schlappig OMAAT

@ Benjamin G Guttery -- I'm happy to report I have an update, and you were right: "All statements that close January 1, 2022 or later will qualify for Loyalty Points. So yes, if someone shops in late December and their statement closes on Jan. 1 or later, those purchases would qualify for Loyalty Points."

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Ben Schlappig OMAAT

@ Benjamin G Guttery -- It's a great question, and it's possible I'm off. Here's what I see written with the new program FAQs: "When will I see my Loyalty Points in my AAdvantage® account?  Loyalty Points will accrue starting January 1, 2022 but will not be reflected in your account until March 2022. Thereafter, Loyalty Points will be reflected as your eligible AAdvantage® miles post to your AAdvantage® account." But you're right, it's not entirely clear whether that refers to the statement closing date, or the date of the purchase. I've sent an email to a contact at AAdvantage to get clarification, and I'll let you know when I hear back (hopefully today!). And thanks for the support! :)

1
Steven M Guest

Didn't use this card at all after getting the bonus last year and called when the $99 AF came up and requested a credit due to pandemic and not traveling and blah blah blah. Citibank might offer a credit if you ask nicely enough and keep them on the phone for more than a few minutes. But don't ask for the fee to be waived! It's not a waived annual fee; it's a loyalty credit or courtesy credit or some other term like that.

1
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