Citi American AAdvantage Business Credit Card Review (2021)

Citi American AAdvantage Business Credit Card Review (2021)

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Earn 65,000 miles after qualifying purchases | $99, waived for first 12 months
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CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Earn 65,000 miles after qualifying purchases | $99, waived for first 12 months
Earn 2x AAdvantage miles on eligible American Airlines purchases
First Checked Bag Free
American Airlines Companion Certificate
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American Airlines has co-branded credit cards issued by both Barclays and Citi. In this post I wanted to take a look at the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, which is a popular small business credit card in this portfolio. The card offers an excellent welcome bonus, and also offers valuable ongoing perks for holding onto the card.

Citi AAdvantage Business Card Review For December 2021

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.

Welcome Bonus Of 65,000 AAdvantage Miles

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 ~1.5 cents each, so to me those 65,000 miles are worth about $975.

As far as restrictions go when applying for this card, keep in mind Citi’s general application rules, which include that you can only apply for one Citi credit card every eight days, and at most two Citi credit cards every 65 days.

There’s also a 48-month rule on this card, which means you can’t receive the bonus on this card if you’ve received a bonus on this exact card in the past 48 months. However, you are eligible for the bonus even if you’ve received bonuses on any other American Airlines credit cards.

Redeem AAdvantage 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 an annual fee on it. You can also add authorized users to the card at no extra cost.

Earn Up To 2x AAdvantage Miles

When it comes to actually spending money on the Citi AAdvantage Business Card, there are some categories eligible for bonus miles:

  • 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

Those are some potentially useful bonus categories, though there are also other cards offering bonuses in those categories.

Earn bonus miles on American Airlines purchases

Spend Your Way Towards AAdvantage Elite Status

There are major changes coming to the American AAdvantage program in 2022, as elite status qualification will start to be based on earning Loyalty Points.

Spending money on AAdvantage credit cards will earn you Loyalty Points, as you’ll earn one Loyalty Point per dollar spent. Some people might find it worthwhile to put spending on American Airlines credit cards in order to earn status, as you could even earn Executive Platinum status exclusively through credit card spending.

Earn AAdvantage elite status with credit card spending

No Foreign Transaction Fees

The Citi AAdvantage Business Card has no foreign transaction fees, so this can be a good option for purchases you make abroad.

Pay no foreign transaction fees for purchases abroad

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. Let’s go over the benefits & perks you should be aware of with this card.

First Checked Bag Free

Those with the Citi AAdvantage Business Card 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 Citi AAdvantage Business 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.

When it comes time to redeem the companion certificate, there are some restrictions to be aware of:

  • It’s only valid for travel within the lower 48
  • It’s only valid for a roundtrip ticket in economy
  • You have to book your ticket through American Airlines Meeting Services, so it can’t be booked online
  • The certificate is valid for one year from the date of issue
  • You have to pay $99 plus taxes and fees when redeeming it
  • The companion booked with this certificate isn’t eligible for mileage accrual or upgrades
Get a companion certificate if you spend enough on the card

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. With that in mind, let’s do a quick comparison of the personal and business version of the card.

Citi Platinum Card Comparison: Personal Vs. Business

How does the Citi AAdvantage Business Card compare to the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® (review), 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 significantly 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.

Bottom Line

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 an awesome 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.

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

Apply Now

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