CitiBusiness® / AAdvantage® Platinum from Citi Credit Card Review

CitiBusiness® / AAdvantage® Platinum from Citi — all information about the credit card.

By Hanna Volkava
Updated December 19, 2024
CitiBusiness® / AAdvantage® Platinum Citi
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Our Rating:
2.92 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 2x Miles for every $1 spent on eligible American Airlines purchases.​
    • 2x Miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.​
    • 1x Mile for every $1 spent on other purchases.​
  • Intro Offer:
    • 75,000x Bonus miles after making $5,000 in purchases within the first 5 months of account opening.
  • Annual Fee:
    $99 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    21.24% - 29.99% Variable
  • Balance Transfer APR:
    None
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Citi CitiBusiness® / AAdvantage® Platinum Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
2X
Internet, Cable and Phone Services
$
2X
Car rental
$
2X
Gas
$
2X
American Airlines Purchases
$
1X
All other purchases
$
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All benefits

  • Miles
    • 2x On eligible American Airlines purchases.​
    • 2x On purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.​
    • 1x On other purchases.​
  • Travel
    • American Airlines Companion Certificate:
    • Earn an American Airlines Companion Certificate for domestic main cabin travel after you spend $30,000 or more in purchases each cardmembership year and cardmembership is renewed.
    • First Checked Bag Free:
    • First checked bag free on domestic itineraries to reduce travel costs and boost your bottom line.
    • Preferred Boarding:
    • Enjoy preferred boarding on American Airlines flights so you can save time and be more productive.
    • 25% Savings on Inflight Food and Beverage:
    • Receive 25% savings on food and beverage purchases when you use your card on American Airlines flights.
    • 25% Savings on Inflight Wi-fi:
    • Get 25% savings on wi-fi when you use your card on American Airlines flights.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 21.24% - 29.99% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 23 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $99 annually
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty Fees
    • 29.99%
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • Attractive sign up bonus
  • Waived annual fee for the first 12 months
  • No foreign transaction fees
  • American Airlines flight perks
Cons:
  • Limited redemption choice
  • Has an annual fee
  • No introductory 0% APR

Features

Platinum
Mastercard
Contactless
  • No foreign transaction fees
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Travel
  • Airline
  • Award Travel seats
  • 24/7 Travel Assistant
  • Excellent Credit

About the issuer

Citi has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Credit Card Review

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Credit Card waives the annual fee for the first 12 months so you can enjoy the attractive rewards program and business perks. So, let’s take a quick look at the pros and cons of this credit card.

Experience the world of travel with perks from CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® credit card. Enjoy double bonus airline miles on select merchants and earn 75,000 American Airlines AAdvantage® bonus miles for your purchases of $5,000 within the first 5 months.

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The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® credit card is the ideal choice for the traveling entrepreneurs and corporate executives. You will have access to the American Airlines flight perks that will make each travel a unique experience. Plus, there are business benefits to enjoy so you can expand the earning potentials of your small business.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Credit Card: pros and cons

Pros: Cons:
Attractive sign up bonus. You will have the chance to earn 75,000 American Airlines AAdvantage® bonus miles if your total purchases reach $5000 within 5 months from opening an account. Limited redemption choice. Rewards system is limited to American Airlines miles, being a co-branded card.
Waived annual fee for the first 12 months. Enjoy the full benefits of the credit card for the first 12 months without paying the annual fee. Thereafter, the annual fee is $99. Has an annual fee. You will be charged the annual fee of $99. However, the 1st year is waived.
No foreign transaction fees. Purchases made outside of the U.S. will not be charged with foreign transaction fees so you can enjoy your shopping during your overseas trips. No introductory 0% APR. Some credit cards have 0% intro APR for the first few months. For purchases using this card, the standard variable APR is 21.24% - 29.99%.
American Airlines flight perks. Enjoy unique pre-departure and inflight perks not offered by most credit cards.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Credit Card: rewards system in a nutshell

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is a well-rounded travel rewards credit card packed with exciting features that greatly enhance the travel experience by offering pre-departure and inflight benefits, while maximizing every journey with generous rewards.

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The double miles for every dollar spent is designed to make the most out of your purchases in select merchants in fuel, car rental services, and cable subscriptions. If you meet the minimum spending requirement for the first four months, you’ll earn 75,000 bonus miles, enough to give you free short-haul round-trip flights within the U.S., or a single one-way flight overseas.

Redemption of earned miles is also easy and quick. Just go online and sign in to AA.com website, input your credit card details, and hit the ‘Redeem Miles’ button when you book for your next flight. Alternatively, you can download the app and redeem miles using your mobile phone. Earned miles may also be redeemed for car rentals and hotel bookings at more than 150,000 accommodations worldwide. You can also login in to your account to redeem points while enjoying online banking that lets you pay online your bill payments instead of paying in the bank.

As a holder of CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® credit card, you will also enjoy the following American Airlines flight perks:

  • Preferred boarding. Enjoy preferred boarding ahead of economy boarding pass holders on every flight, together with up to four travel companions listed in the same booking with the primary cardholder.
  • 25% savings on selected American Airlines inflight purchases and Wi-Fi. Enjoy 25% off on your inflight purchases of food, beverages, and Wi-Fi services using your credit card on flights operated by American Airlines. These perks also apply to flights marketed by American Airlines but operated by its airline partners.
  • First checked bag free. American Airlines charges $30 apiece for checked bags. But your first checked bag is free if you book with American Airlines using the card seven days prior to the trip. Your travel companions up to four will also have their first checked bag free. So, if you travel as a family of five in a single booking, your total savings are $150, which is more than enough to cover the annual fee of $99 in just a single one-way trip.
  • Earn an American Airlines Companion Certificate. Once your total spending reaches $30,000, you will get a domestic economy fare American Airlines Companion Certificate worth $99, renewable every year starting from your anniversary month.

Who can benefit from getting the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Credit Card?

Frequent flyers of American Airlines and their partner airlines will be greatly rewarded for their loyalty through this credit card with rewards program that upgrades the traveling lifestyle of entrepreneurs, business executives, and tourists.

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The business feature that allows you to extend your account to several authorized users is perfect for businesses and companies looking for the best solution for the roll-out of expenditures for their employees. You can also track and set a limit for the purchases. At the same time, get all the rewards for the dollars spent by the company using the credit card.

Are there other benefits of CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Credit Card?

Yes, you will enjoy other benefits of CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® credit card:

  • Double Miles on Select Merchant Categories: Every dollar spent earns two AAdvantage® miles on select merchant categories, such as gas stations, car rental merchants, selected telecommunications merchants, cable and satellite providers.
  • Automatic enrollment into the Mastercard Premium Easy Savings Program: As a cardmember of CitiBusiness® / AAdvantage®, you are automatically enrolled in the Easy Savings Program of Mastercard® that offers more perks on top of the American Airlines AAdvantage® miles. This includes 4% savings on selected hotels, 4% cashback when you dine in selected restaurants, 1% savings on fuel at more than 19,000 participating gas stations, and more, and up to 5% on business travels..
  • Access to American Airlines Reduced Mileage Awards: Book for selected destinations of the month and get a 7,500 mile discount for a round-trip flight above 500 miles, or a 2,000 mile discount for flights within the U.S. under 500 miles. The list of eligible routes under the reduced mileage awards refreshes every month.
  • Personal Business Assistant: Get access to personal business assistance services, available 24/7, for help with travel, dining, and hotel arrangements.
  • Expand the Perks and Benefits of the Card to Authorized Users: You can add your employees to your account and set the limit for their spendings. All miles earned from the purchases of authorized users will be allocated to the primary cardholder's account.

Conclusion

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® credit card is the best choice for frequent flyers of American Airlines and its partners. The vast combined networks of American Airlines and its partner, One World Alliance Airlines, give you plenty of room for redemption opportunities and great potential for earning more travel points to maximize your air travels.

Overall, the travel benefits and business perks are the game-changers that set CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® credit card apart from the other travel rewards credit cards.

FAQ

What is the customer service phone number for CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Credit Card?

If you want to get in touch with Citi cards for general support and servicing, you can call the number at the back of your card. You may also call them at 1-800-950-5114 if you don’t have the card. There’s also a separate number for the hearing impaired, 1-800-325-2865.

How to check my application status for CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Credit Card?

You may contact Citi card to check the status of your application using their phone number at 1-888-201-4523. Alternatively, you can check your application status using their online tool.
Hanna VolkavaHanna Volkava

Financial and product expert

hv@myfin.us
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