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CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard®

CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard®

 

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3.9/5.0 from 20 Offer Ratings
Over the Past 60 Days!

(20 ) Over the Past 60 Days!

  • Regular Purchase APR 17.24% - 25.24%* (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $95, waived for first 12 months
  • Credit Needed

    Excellent/Good

  • Card Brand Mastercard®

Highlights

Card Fees

Expert Review of the CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard®

  • 4.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0

    Fees

  • 4.5

    Benefits

  • star rating 4.0 /5

    Overall Rating

Who the card is best for

The CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® is a great card for businesses that fly American Airlines and want to receive exclusive perks when traveling. There are numerous benefits that allow your business to save money and fly with ease, such as first checked bag free and inflight food and beverage discounts (see more additional card benefits below). Compared to other business travel cards, this card is similar in rewards and annual fee.

This card isn’t ideal for businesses that don’t fly with American Airlines since you earn more miles on AAdvantage® miles compared to non-American Airlines purchases. Also, if your business wants to take advantage of a 0% intro period, this card lacks one and you’re better off with 0% intro APR business cards.

Where this card stands out in its category

This card offers unique American Airlines perks that make traveling a little less stressful. You can enjoy a wide range of benefits such as preferred boarding, first checked bag free, American Airlines flight discounts and more. Additionally, there is a 0% foreign transaction fee, allowing you to use your card abroad without incurring a fee.

Where this card falls short in its category

The CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® doesn’t have any significant downfalls, except for its annual fee ($95, waived for first 12 months) and low rate for everyday business purchases. Most business cards have an annual fee, so this isn’t much of a setback, but you can find $0 fee cards. This card offers high rates for American Airlines spending, not for other purchases, so if you want a card that offers a high rewards rate on typical business purchases or a high flat-rate, check out other business cards.

Additional card benefits

The CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® offers multiple additional card benefits:

  • First checked bag free: Save money on the cost of checked baggage when flying on domestic American Airlines flights. Applies to you and up to four people traveling together on the same reservation.
  • Earn an American Airlines Companion Certificate: Earn a certificate each year after spending $30,000 or more.
  • Preferred boarding: Avoid being called last on American Airlines flights with preferred boarding. Terms and conditions apply.
  • In-flight discounts: Save 25% on eligible food and beverage in-flight purchases on American Airlines flights.
  • 24/7 Personal business assistant: Get help with travel, dining arrangements, and more — anytime. Call 1-800-301-5584 or send an email to concierge@yourconciergecenter.com.
  • American Airlines flight discounts: Fly for 7,500 fewer AAdvantage® miles roundtrip to select destinations.
  • Citi® Private Pass®: You receive Citi cardmember-only access to purchase tickets to thousands of events annually. Events include concert tickets, movie screenings, dining experiences and more. Some events are even free. Go to citiprivatepass.com for more information.
  • Mastercard Easy Savings® Automatic Rebate Program: Receive automatic rebates on eligible purchases — and the best part is you’re automatically enrolled. To learn more, go to Mastercard Easy Savings®.
  • MasterAssist®: Before you travel, get important information about such things as passport and vaccine requirements, and while you travel have access to referrals for physicians, attorneys and more.

How to use it most effectively

The CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® is best used for all American Airlines purchases as you will earn a higher rewards rate. To maximize your AAdvantage® miles, use this card for all business spending, and take out employee cards as needed. Purchases made on employee cards earn miles, but be aware that you’re liable for all purchases made on your account.

When flying, opt for American Airlines so you can redeem your AAdvantage® miles and enjoy additional perks like first checked bag free, preferred boarding, and inflight food and beverage discounts. These perks can make your flight more enjoyable, and lower business expenses.

To earn even more rewards, fulfill the requirements of the signup bonus: 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*.

Rewards breakdown

The CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® offers 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases and for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*, 1 AAdvantage® mile per $1 spent on other purchases*. This will benefit businesses that frequently fly with American Airlines.

You can redeem miles for travel on American Airlines, American Eagle®, any oneworld® airline or any partner airline to nearly 1,000 destinations worldwide. Other redemption options include in-flight seat upgrades, car rentals, hotel stays and vacations in over 500 destinations worldwide, renewal of your Admirals Club® membership, magazines, newspapers, gift cards, Lifelock® identity theft protection, or a donation to charity.

There is a limited time bonus of 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*.

 

Compare it with the The Blue Business℠ Plus Credit Card from American Express

The CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® and the The Blue Business℠ Plus Credit Card from American Express offer different perks for businesses. If your business tends to fly, then the CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® may be the better card (especially if you fly American Airlines). You’ll earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases and for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*, 1 AAdvantage® mile per $1 spent on other purchases* and have a 0% foreign transaction fee. But, if your business doesn’t opt to travel and you want to earn a consistent rate on purchases, the The Blue Business℠ Plus Credit Card from American Express offers a more general rewards rate of 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

Another key difference is the annual fee. The CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® has an annual fee of $95, waived for first 12 months, meanwhile the The Blue Business℠ Plus Credit Card from American Express has a $0 annual fee. This can be a deal breaker depending on how your business spends.

If your business is looking to utilize a 0% intro period, the The Blue Business℠ Plus Credit Card from American Express offers 0% for 15 Months for purchases, while the CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® has no 0% intro period — making the The Blue Business℠ Plus Credit Card from American Express a better option for businesses that want to carry a balance for a period. Here’s a breakdown of the key features of each card.

  CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® The Blue Business℠ Plus Credit Card from American Express
Annual Fee $95, waived for first 12 months $0
Purchase Intro Rate N/A 0% for 15 Months
Balance Transfer Intro Rate N/A 0% for 15 Months
Balance Transfer Fee Either $5 or 3%, whichever is greater Either $5 or 3% of the amount of each transfer, whichever is greater.
Ongoing APR 17.24% - 25.24%* (Variable) 12.74% - 20.74% Variable
Rewards 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases and for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*, 1 AAdvantage® mile per $1 spent on other purchases* 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Sign Up Bonus 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening* N/A
Foreign Transaction Fee 0% 2.7% of each transaction after conversion to US dollars.

Bottom Line

The CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® is a great card for businesses that frequently fly with American Airlines and want to earn AAdvantage® miles. You have access to numerous great perks that allow you to save on American Airlines purchases and make travel less of a hassle.

Ongoing Information

Additional Card Details

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Offer Rating

3.9/5.0

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