CitiBusiness AAdvantage Platinum Select Credit Card Review: Valuable Perks for Frequent AA Flyers

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Full Review

If you fly American Airlines frequently, the CitiBusiness AAdvantage Platinum Select World Mastercard makes it easy to earn free flights and airline perks. On the downside, the rewards program redemption options are restrictive, so this card may not be a great choice if you need more flexibility. But given the relatively low annual fee, the CitiBusiness AAdvantage Platinum Select World Mastercard can quickly recoup its cost thanks to priority boarding and free checked bags.

Of course, the CitiBusiness AAdvantage Platinum Select World Mastercard isn’t for everyone—even for frequent AA flyers. It’s definitely worth your time to try out the CardCruncher tool to see if it’s the best card for how you spend for your business—it’ll analyze your expenditures to find the card that gives you the most rewards. If you’re still eyeing the CitiBusiness AAdvantage Platinum Select World Mastercard, here’s what to know before you apply.

CitiBusiness AAdvantage Platinum Select World Mastercard Highlights

Annual Fee: $0 the first year, then $99

APR: 17.99% to 25.99%

Sign-Up Bonus: 70,000 American Airlines AAdvantage® miles

CitiBusiness AAdvantage Platinum Select World Mastercard Benefits:

  • Earn 2X AAdvantage miles on AA purchases, car rentals, cable and satellite providers, select telecoms providers, and at gas stations
  • Earn 1X mile on all other purchases
  • First checked bag free for up to five people
  • Priority boarding
  • 25% discount on American Airlines in-flight Wi-Fi
  • Companion certificate after you spend $30,000 in a year
  • Travel accident insurance
  • Rental car insurance
  • Travel and emergency assistance
  • Purchase protection
  • Extended warranty protection
  • No foreign transaction fees
  • No balance transfer fee
  • Free employee cards

CitiBusiness AAdvantage Platinum Select World Mastercard Minimum Payment: The new balance, if it’s less than $25, or the greater of $25, 1% of the new balance, plus the current statement’s interest charges or minimum interest charges, plus late fees, or 1.5% of the new balance, rounded to the nearest dollar amount.

CitiBusiness AAdvantage Platinum Select World Mastercard Fees:

  • Cash advance fee of 3% of the transaction amount ($5 minimum)
  • Late payment fee of up to $37
  • Returned payment fee of up to $37

Why Apply for the CitiBusiness AAdvantage Platinum Select World Mastercard

Here are some reasons to consider the CitiBusiness AAdvantage Platinum Select World Mastercard for your business.

Great airline perks

Every time you fly American, you’ll get your first checked bag free—that’s a savings of $30 per bag, each way. That applies for you and up to four travel companions. You’ll also get preferred boarding, and a 25% discount on in-flight Wi-Fi on every flight. If you spend $30,000 or more on the card in a year, you’ll even get a companion certificate worth $99 plus taxes and fees. If you can get that every year, it more than offsets the cost of the annual fee.

Great sign-up bonus

The card offers a bonus of 70,000 American Airlines AAdvantage® miles, which you can use to get a couple of main cabin flights or one first-class flight in the U.S. You’ll also earn 2X miles per dollar on eligible American Airlines purchases and at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations, plus 1X mile per dollar on everything else.

Low annual fee

If you’re not sure whether you want a card with an annual fee, you’ll get a whole year to decide.

CitiBusiness AAdvantage Platinum Select World Mastercard: Drawbacks and Downsides

Here are some reasons why the CitiBusiness AAdvantage Platinum Select World Mastercard might not be a good fit for you.

Restrictive rewards

Free flights are nice, but if you rarely fly or aren’t necessarily loyal to American Airlines, it doesn’t make much sense to get this card. It can also be difficult to find direct award flights on AA, so take that into consideration if you aren’t already a loyal AA customer.

Annual fee

The card’s annual fee of $0 the first year, then $99 can be a problem if you don’t fly enough or don’t spend enough to make up for it.

CitiBusiness AAdvantage Platinum Select World Mastercard Alternatives

If you’re on the fence about the CitiBusiness AAdvantage Platinum Select World Mastercard, here are some other cards to consider.

Capital One® Spark® Miles for Business

The Capital One® Spark® Miles for Business offers 2 miles per dollar on every purchase, plus a sign-up bonus of 50,000 miles after you spend $4,500 in the first three months. The kicker is that when it comes to redeeming your rewards, you can cash in on just about any travel purchase. Alternatively, you can transfer your miles to one of Capital One’s airline partners. The card’s annual fee is also just $0 the first year, then $95, so you’ve got time to decide if you’re making the most of your miles.

Ink Business℠ Preferred Credit Card

If you’re big on maximizing your rewards, look no further than the Ink Business℠ Preferred Credit Card. The card offers a sign-up bonus of 80,000 points after you spend $5,000 in the first three months—that’s worth $1,000 in travel when you book through Chase, or potentially more when you transfer points to one of Chase’s travel partners.

CitiBusiness AAdvantage Platinum Select World Mastercard FAQs

Here are other common questions we’ve come across about the CitiBusiness AAdvantage Platinum Select World Mastercard, along with their answers.

When will I receive my companion certificate?

If you meet the $30,000 spending requirement and keep your account open for at least 45 days beyond your anniversary date, you’ll receive the companion certificate within eight to 10 weeks. It’s valid for one year from the date of issuance.

Do others on my reservation get a free checked bag?

You and up to four other people on your itinerary will get their first bag checked for free. If you travel a lot with family, the CitiBusiness AAdvantage Platinum Select World Mastercard could provide a lot of savings.

Bottom Line: Should You Apply for the CitiBusiness AAdvantage Platinum Select World Mastercard?

It makes sense to have the CitiBusiness AAdvantage Platinum Select World Mastercard if you fly American Airlines regularly and are especially loyal. If that’s not the case, the card’s rewards are likely too inflexible for your needs, and its perks may end up being useless. In that case, give the CardCruncher tool a spin to find the card that makes the most sense for you.

CARDS MENTIONED IN ARTICLE
CitiBusiness® / AAdvantage®Platinum Select® World Mastercard®
CitiBusiness® / AAdvantage®Platinum Select® World Mastercard®
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CARDS MENTIONED IN ARTICLE
CitiBusiness® / AAdvantage®Platinum Select® World Mastercard®
CitiBusiness® / AAdvantage®Platinum Select® World Mastercard®
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Apply Now