CitiBusiness / AAdvantage Platinum Select World Mastercard
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The CitiBusiness / AAdvantage Platinum Select World Mastercard is the only business travel rewards card offered by Citi and American Airlines. For the devoted American Airlines flier, this is a card worth considering — especially since you can test drive it for a year without paying the $95 annual fee.
Its benefits are comparable to The Citi/AAdvantage Platinum Select World Elite Mastercard. The two main differences are that this card allows you to earn 2 miles per dollar spent in more categories and you also have an opportunity to earn an American Airlines companion certificate, which not even the airline’s premier card, the Citi / AAdvantage Executive World Elite Mastercard, offers. (Editor’s note: The the Citi / AAdvantage Executive World Elite Mastercard is not currently available on Bankrate.com.)
We judge this card more harshly than the consumer version card, though, because some of the best business credit cards charge no annual fee and offer equal or better rewards.
Unless you fly American Airlines the majority of the time, then this card might feel a little restrictive. Its most attractive benefits are centered on the airline. The perks are standard, but are certainly worth the annual fee — which is waived the first year, if you take advantage of them.
For instance, cardholders and up to four travel companions will get one free checked bag each, which is a potential savings of $100 or more per flight. American Airlines charges $25 for the first bag, the second checked bag is $35, and all additional bags after that are $150. For large groups, this could end up saving you hundreds of dollars.
You’ll also get 25% off in-flight purchases as well as priority boarding. Finally, if you spend $30,000 within one year, look out for a companion certificate that will allow a second person to take a round-trip flight for $120.60 to $142.20, including taxes and fees. Combine this with the sign-up bonus, and you might stand to earn a decent bundle in the first year.
If you were hoping for a pampered airport experience, you might want to check out the Citi / AAdvantage Executive World Elite Mastercard, which comes with luxury perks like the Admirals Club Membership or VIP airport experience. Of course, you will also have to pay the luxury annual fee on that one which is $450.
Lastly, you can earn double miles on certain business-related categories, including telecommunications, car rental merchants and gas stations, as well as purchases made through American Airlines. All other purchases earn 1 mile per dollar.
Who should get this card
Business owners who use American Airlines regularly will certainly get value out of this card, especially if you tend to check bags and make purchases on the plane. Since the annual fee is waived for the first year, frequent fliers should try it out. You have to have good credit to get this card, so be sure to check your credit score before you apply.
You’ll also get a 60,000-mile bonus after spending $3,000 within the first three months.
Fees and APR
- There’s a variable APR of 16.74% to 24.74%.
- You’ll pay an annual fee of $95, waived the first year.
- There are no transaction fees for purchases made outside the U.S.
- There’s a balance transfer fee of 3% of the amount being transferred.
- The penalty APR of 29.99% may apply if you make a late payment.
Extras, perks and using points
The first checked bag is free on domestic flights for you and up to four companions traveling on the same reservation. With this card you also get preferred boarding on domestic flights and a 25% discount on eligible in-flight food and beverage purchases.
The card comes with cool Citi perks like the price protection feature and presale access to live events like concerts or sporting events.
To redeem miles, go to the American Airlines website, log into your AAdvantage account and book your travel. Citi AAdvantage cardholders also are eligible to redeem their accrued miles for reduced mileage awards when available. These mile-saver flights can only be booked by phone. You can also redeem your miles on the site for gift cards, magazine and newspaper subscriptions or donate them to charity.
How this card compares
SimplyCash Plus Business Credit Card from American Express is among the very best business rewards credit cards on the market. In just about every respect — from rewards to the annual fee — this card stands tall among the elite business cards on the market.
The only reasons to shy away from this card would be if your work requires significant overseas travel or if your biggest expenses don’t match up with the bigger cash-back savings categories.
If you’re just starting out and you aren’t sure what your spending patterns will be, the Ink Business Cash Credit Card is like a small rectangular mentor. The no-fee card will reward you for spending in the areas you’ll most likely need to get your business off the ground and gives you a full year break on interest for purchases and balance transfers. Who couldn’t use a little breathing room when launching a new venture?
The Capital One Spark Cash for Business card pays an unlimited 2% cash back on all spending and waives the first year fee. If you find it cumbersome to track which categories you’re spending or your expenditures exceed the bonus category caps set by some cash-back business credit cards, this might be a more favorable choice for you.
The Capital One Spark Cash Select for Business ranks among the best on the market, particularly because of its unfussy rewards program that doesn’t pay different rates for different categories of spending. To us, that kind of program is the most flexible.
Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.