CitiBusiness/AAdvantage Platinum Select card review: Good American Airlines benefits, and a great sign-up bonus

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CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiCitiBusiness® / AAdvantage® Platinum Select® Mastercard®

As a side note, you should be aware that you do need to be a small business owner or self-employed person to qualify for this card. If you don't have an Employer Identification Number (EIN), however, you can apply as a sole proprietor using your Social Security number. 

You should also know that, although Citi has some pretty strict rules that govern how often you can earn a sign-up bonus within one of their "families" of cards (including personal American Airlines credit cards), the rules are less stringent for their business cards.

With theCitiBusiness® / AAdvantage® Platinum Select® Mastercard®, bonus miles are not available if you have received a new account bonus for aCitiBusiness® / AAdvantage® Platinum Select® Mastercard® account in the past 48 months, but you can earn the bonus on this card if you have earned a bonus on a personal American Airlines credit card from Citi in the recent past.

Bottom line: TheCitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is a good option for small business owners or independent contractors who want to earn American Airlines miles on their everyday purchases. The sign-up bonus alone can get you one or more award flights, and you'll enjoy perks like a free checked bag when you fly American.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

CitiBusiness AAdvantage card versus other American Airlines cards

  CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® AAdvantage® Aviator® Business Mastercard®
Personal or business card Business Personal  Business
Annual fee $0 for the first year, then $99 $0 for the first year, then $99 $95
Rewards rate

2x miles on eligible American Airlines purchases

2x miles on eligible purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations

1 mile per dollar on all other eligible purchases

2x miles on eligible American Airlines purchases

2x miles at eligible restaurants and gas stations 

1 mile per dollar on all other eligible purchases

2x miles on American Airlines purchases

2x miles on purchases at office supply stores, telecom providers, and car rental merchants

1 mile per dollar on all other purchases

Welcome bonus 65K miles after you spend $4K in the first 4 months 50K miles after you spend $2.5K in the first 3 months 65k miles after you spend $1K in the first 90 days, plus 10K miles when a purchase is made on an employee card
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CitiBusiness AAdvantage card versus other travel business cards

  CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Delta SkyMiles® Platinum Business American Express Card Capital One® Spark® Miles for Business
Annual fee $0 for the first year, then $99 $250 (See Rates) $0 the first year, then $95
Rewards rate

2x miles on eligible American Airlines purchases

2x miles on eligible purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations

1 mile per dollar on all other eligible purchases

3x miles on eligible purchases with Delta Air Lines and hotels

1.5x miles on eligible purchases of $5,000 or more

1 mile per dollar on all other eligible purchases

2x miles on all purchases

Welcome bonus 65K miles after you spend $4K in the first 4 months Earn 80,000 bonus miles after you spend $3,000 on purchases in the first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of cardmembership. 50,000 miles once you spend $4,500 on purchases within the first 3 months
  Learn more Learn more Learn more

When it comes to finding a travel credit card for your business, you need to think long and hard about the type of rewards you want to earn. TheCitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a good option if you want to earn airline miles good for American Airlines flights, or flights with Oneworld partners like British Airways, Cathay Pacific or Japan Airlines. However, you may want to consider a different airline card altogether if you rarely fly American or if you prefer to fly with someone else.

The Delta SkyMiles® Platinum Business American Express Card is a good option to consider if you prefer to fly with Delta Airlines, or with SkyTeam partners like Air France or KLM. This card lets you earn a higher rate of rewards on Delta purchases as well as hotel stays (3x miles per dollar), and you'll get a boost to 1.5x miles per dollar spent on all purchases of $5,000 or more. As a side note, the Delta SkyMiles® Platinum Business American Express Card also lets you earn elite qualifying miles toward elite status with the airline, and you'll get frequent flyer perks like a free checked bag, early boarding and in-flight savings when you pay with your card. The $250 annual fee is on the high side, but the first-year welcome bonus can more than make up for it. 

Maybe you're worried about being tied down to a specific airline loyalty program. In that case, it can make sense to sign up for a card like the Capital One® Spark® Miles for Business. When you sign up for this card, you'll earn a generous sign-up bonus and 2x miles for each dollar you spend. On the redemption side of the equation, you can cash in your miles to cover any travel purchases you want (including airfare with any airline) at a rate of 1 cent per mile. You won't get any frequent flyer perks with this card, but you will have the flexibility to redeem your miles for any travel purchases your business makes. 

Using American Airlines miles

If you do decide to sign up for theCitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you'll get the chance to earn 2x miles on American Airlines purchases as well as at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations. You'll also earn 1x miles on everything else you charge to your credit card, and remember this is all on top of the 65,000 bonus miles you earn when you spend $4,000 on your card within four months of account opening. 

In terms of using your miles, the American AAdvantage program and oneworld partners let you fly to more than 1,000 destinations around the globe. Round-trip domestic MileSAAver awards start at just 25,000 miles, and you can fly round-trip to Hawaii in economy using a MileSAAver award for just 45,000 miles. American's award chart also allows for one-way flights from the United States to Europe in business class for as little as 57,500 miles, as well as one-way flights in business to the South Pacific starting at 80,000 miles. 

In addition to redeeming miles for flights, the American Airlines program lets you cash in miles for an Admirals Club airport lounge membership, American Airlines vacations, and flight upgrades. You can also donate your miles to an array of important causes, and remember, your miles won't expire as long as you earn miles or redeem miles at least once every 18 months. 

CitiBusiness/AAdvantage Platinum Select card features

When it comes to the benefits this card offers, you'll notice that most are geared to frequent flyers. As a cardholder of theCitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you can expect these important travel perks.

Free checked bag

The free checked bag you get with this card applies to you, the cardholder, as well as up to four companions on your flight itinerary. This perk is good for domestic flights on American Airlines.

Preferred boarding

You'll also get preferred boarding when you fly with American Airlines. This means you get the chance to board the plane early and get settled in your seat before others do, and it means you can lock in carry-on baggage space before it's gone.

In-flight savings

You'll get 25% off in-flight purchases of food, drinks or wifi access when you pay with your credit card. 

No foreign transaction fees

Use your card outside the United States with having to pay standard foreign transaction fees. This benefit can be immensely useful each time your business travel takes you abroad. 

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiCitiBusiness® / AAdvantage® Platinum Select® Mastercard®

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Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.

Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

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