CitiBusiness AAdvantage Platinum Select Mastercard Review

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The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is business credit card that offers free checked bags on domestic flights, ability to earn Loyalty Points towards elite status, preferred boarding, and 25% savings on in-flight food, drink, and WiFi.

This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.

Free First Checked Bag
CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®
  • bonus_miles_full
  • Free Checked Bags for You and 4 Companions
  • 2X Miles for American Airlines, Cable, Satellite, Gas, Telecommunications, and Car Rental purchases.
  • Preferred Boarding (Group 5)
  • 25% Discount on American In-Flight Purchases of Wi-Fi, Food, and Beverages When Using the Card.
  • $99 Annual Fee, Waived the First Year
Our Review Learn More
Non-Affiliate Link

Welcome Bonus of Citi AAdvantage Business

The Citi AAdvantage Business Card currently offers the following welcome bonus:

bonus_miles_full

Earning Miles with Citi AAdvantage Business

The Citi AAdvantage Business Card earns AAdvantage miles at the following rates:

  • 2 miles per dollar on eligible American Airlines purchases;
  • 2 miles per dollar on cable and satellite providers;
  • 2 miles per dollar on select telecommunications merchants;
  • 2 miles per dollar on car rentals;
  • 2 miles per dollar at gas stations; and
  • 1 mile per dollar on all other eligible purchases.

Earn Loyalty Points Towards Elite Status

Spending on this card allows you to earn Loyalty Points toward American AAdvantage elite status

For every AAdvantage Mile you earn using this card, you will earn one Loyalty Point, excluding the welcome bonus.

You can also earn Loyalty points by flying on American Airlines and its partners, staying at hotels, dining at restaurants, shopping online, and many other ways.

Here are the Loyalty Points required for each level:

Annual Fee of Citi American AAdvantage Business

The CitiBusiness Platinum Select card has a $99 annual fee, waived the first year. Perks like free checked bags, 25% savings on in-flight purchases, and 25% Wi-Fi savings can easily offset this yearly cost.

Card Benefits of Citi AAdvantage Business

Below are the card benefits and perks of the CitiBusiness AAdvantage Platinum:

When you own the CitiBusiness Platinum Select card, you and up to four companions on the same reservation can check your first bag free on domestic American Airlines itineraries. 

This is a great perk if you’re a frequent American flyer as American typically charges $30 for the first checked bag. You can save more than $100 on a one-way trip when traveling with your family.

Cardholders and up to four companions traveling on the same reservation get to board with Group 5 (Preferred Boarding). 

Early boarding privilege gives you time to secure some overhead bin storage for your small carry-on luggage.

You’ll get 25% savings as statement credits if you buy food, drinks, and Wi-Fi on American flights with your CitiBusiness Platinum Select credit card.

American Airlines gives you a companion certificate for domestic main cabin travel each anniversary year for one guest. You can redeem the certificate for $99 (plus $21.60 to $43.20 in government taxes and fees). You have to spend at least $30,000 on your CitiBusiness Platinum Select card per cardmembership year.

No Foreign Transaction Fees: You can make international purchases with your card without paying an extra fee of around 3%.

Purchase Protection covers eligible purchases against accidental damage or theft for up to 90 days for purchases this card.

Extended Warranty: This Citi credit card offers one of the best extended warranty protection because it extends the manufacturer’s warranty on an item for an additional 24 months for products with warranties up to 5 years.

ShopRunner Membership: This card offers a membership to ShopRunner, which offers free two-day shipping, free returns and members-only deals at 100+ merchants online.

Redeem American AAdvantage Miles

There are many ways you can redeem your American Airlines AAdvantage miles, including our favorite ways:

  • Business class on Qatar Airways from the US to the Middle East, India, or Africa for 70,000 to 75,000 miles one-way.
  • Business class flights from the US to Europe for 57,500 miles one-way.
  • First-class flights from the US to Japan on Japan Airlines for 80,000 miles one-way.
  • Short-haul economy flights on American Airlines for 7,500 miles.
  • Etihad First Class apartments for 115,000 miles from New York (JFK) to Abu Dhabi (AUH).
  • Business Class from US to New Zealand and Australia for 80,000 miles one-way.

Pros and Cons of Citi AAdvantage Business Platinum

Here are the advantages and disadvantages of this card:

Pros:

  • Ability to earn Loyalty Points towards elite status.
  • First-year waived annual fee.
  • 25% in-flight savings on food, drinks, and Wi-Fi.

Cons:

  • Free checked bag only applies to domestic flights.
  • Only 2x miles on American Airlines flights.
  • No airport lounge passes like the United℠ Business Card.
  • No trip delay insurance or other travel protections.

Alternatives to the CitiBusiness AAdvantage Platinum

Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.

Ink Business Preferred® Credit Card
  • bonus_miles_full
  • 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
  • 25% Additional Points Value in Travel Redemption
  • Primary Rental Car Insurance
  • Trip Cancellation/Interruption Insurance
  • Cell Phone Protection
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

The Ink Business Preferred® Credit Card (review)  is an excellent choice for business owners looking for a card that offers valuable rewards and benefits.

With this card, you’ll earn:

  • 3 points per $1 spent on travel, shipping purchases, internet, cable, phone services, and advertising purchases made with social media sites and search engines (up to $150,000 in combined purchases per account anniversary year).
  • 1 point per $1 spent on all other purchases, with no limit on the number of points you can earn.

Beyond the rewards, the Ink Business Preferred provides valuable benefits, including:

  • Primary rental car insurance (when renting for business purposes).
  • Cell phone protection (up to $600 per claim against theft or damage, with a maximum of three claims per year and a $100 deductible per claim).
  • Purchase and extended warranty protection.

4X Points in Top 2 Business Categories
American Express® Business Gold Card
  • bonus_miles_full
  • 4x Points on Purchases in Your Top 2 Business Categories Each Billing Cycle (up to $150,000 in Combined Purchases Per Calendar Year; then 1x)
  • Up to $395 in Statement Credits Each Year.
  • No Foreign Transaction Fees
  • $375 Annual Fee (Rates and Fees)
Learn How to Apply Our Review
American Express is a Deals Points advertiser. Terms Apply

The American Express® Business Gold Card (review) is a good fit for business owners who want to earn much-coveted Membership Rewards points from business spending. 

For a $375 annual fee, this card earns 4x points on up to $150,000 in combined purchases per year in your top two spending categories, with options including U.S. electronic goods retailers & software/cloud system providers, U.S. monthly wireless telephone service, transit, U.S. media providers, U.S. gas stations, and U.S. restaurants (including takeout and delivery).

Plus, you can earn up to $20 in statement credits each month for purchases at FedEx, Grubhub, and office supply stores (enrollment required), and get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal).

card_name

  • bonus_miles_full
  • 2X Miles for United Airlines, Dining, Gas Stations, Office Supply Stores, Local Transit, and Commuting
  • 2 United Club One-Time Passes Per Year
  • $100 United Travel Credit
  • Free First Checked Bag and Priority Boarding
  • Primary Rental Car Insurance
  • Trip Delay and Trip Cancellation/Interruption Insurance

Click Here to Learn How to Apply

The United℠ Business Card offers nice perks on United Airlines, including:

  • Two United Club lounge passes annually;
  • Priority boarding for you and your companions;
  • Free first checked bag for you and one companion on the same reservation;
  • 25% back on in-flight purchases in the form of statement credits;
  • $100 Annual Travel Credit if you make at least seven United flight travel-related purchases, each totaling at least $100;
  • Anniversary bonus of 5,000 miles;
  • Premier upgrades on award tickets; 
  • Expanded award availability; and
  • Ability to earn Premier Qualifying Points for United elite status with spending.

Is the Citi AAdvantage Business Platinum Worth It?

The Citi AAdvantage Business Card is a pretty good option if you are a frequent American Airlines flyer who wants to get free checked bags and earn Loyalty Points towards elite status.  

However, this card lacks important travel protections such as trip delay insurance and other cards earn more points on spending.

Free First Checked Bag
CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®
  • bonus_miles_full
  • Free Checked Bags for You and 4 Companions
  • 2X Miles for American Airlines, Cable, Satellite, Gas, Telecommunications, and Car Rental purchases.
  • Preferred Boarding (Group 5)
  • 25% Discount on American In-Flight Purchases of Wi-Fi, Food, and Beverages When Using the Card.
  • $99 Annual Fee, Waived the First Year
Our Review Learn More
Non-Affiliate Link

For rates and fees of the American Express® Business Gold Card, please click here.

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