CitiBusiness AAdvantage Platinum Select World Mastercard Review

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The CitiBusiness AAdvantage Platinum Select World Mastercard is a well-rounded airline card for small businesses. It boasts valuable miles, a superb sign-up bonus, a free checked bag benefit, and no annual fee for the first year, making it an excellent card for business owners seeking rewards for American Airlines loyalty. 

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

overall rating
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles per $1 on eligible American Airlines, telecommunication, cable and satellite providers, car rentals and gas station purchases. Earn 1 mile per $1 on other purchases.
Cash Advance APR (%) 25.24%
Cash Advance Fee Either $10 or 5% of the amount of each transfer, whichever is greater.
Ratings Breakdown
for Interest
for Fees
for Rewards
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Current Offer:

Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Who Is This Credit Card Best For?

  • Avatar for Entrepreneur Persona
    Is turning their passion into a money-making venture See more cards
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Savvy Saver Persona
    Prioritizes sticking to their budget while buying what they want and need See more cards
    Savvy Saver
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior

This card is best for business owners and employees who frequently fly American Airlines or partner airlines and can take advantage of reward flights you’ll earn on those airlines. Unlike many airline-branded cards, this CitiBusiness card awards extra points on some non-travel business purchases, so it's also a good option if your business spends heavily on those categories.

  • High points valuation

  • Good sign-up bonus

  • Free checked bag

  • Few elite travel benefits

  • Reward earning limitations

Pros Explained

  • High points valuation: According to calculations by The Balance, the average redemption value of 1 AAdvantage mile is 2.32 cents, which is the best airline reward valuations we’ve found. That means it may take fewer points for you to earn award flights.
  • Good bonus: We calculate that this card’s bonus miles are worth about $1,625, on average. Since you only have to spend an average of $1,000 each month after opening the card to earn this competitive bonus, it’s a good deal. 
  • Free checked bags: This benefit is good for you and four companions, so it has a maximum $150 value on each flight, each way. Even if you travel solo, if you check a bag on two round-trip flights a year at $30 apiece, you’ll more than makeup for future annual fees. 

Cons Explained

  • Few travel benefits: This card doesn’t offer some of the top travel benefits that other travel cards boast, such as credit for Global Entry or TSA Precheck application fees or airport lounge access. It doesn’t even have standard perks like travel insurance or lost baggage coverage. 
  • Reward earning limitations: If your business expenses don’t fall into the double points categories, your rewards-earning will be slower. Some business travel cards that aren’t airline-branded offer more ways to earn points. 

Bonus for New Cardholders

If you spend $4,000 on the card within four months of opening it, you'll get 70,000 American Airlines AAdvantage miles, which makes this one of the more valuable airline business card bonuses.

Additional cardholders can also help reach the spend requirement, so between you and cardholding employees, you only need to spend $1,000 per month on this card to earn the bonus.

These bonus miles aren’t available to anyone who has had another CitiBusiness AAdvantage card in the past 48 months.

Earning Points & Rewards

You’ll earn 2 miles per dollar spent on American Airlines purchases, including flights on partner airlines booked through American. There are also opportunities to earn bonus miles on vacation packages booked through the AAdvantage program website. 

In addition, you’ll earn 2 miles per dollar spent on rental cars, gas, cable and satellite (including internet) expenses, and telephone and cellphone service. 

Airline tickets and rental cars paid for through a third-party website or travel agency won’t earn double miles, nor will any warehouse club gas purchases. 

Every $1 spent outside those bonus categories will earn 1 mile. 

There’s no cap on the number of miles you or other cardholders can earn. Miles that have credited to your AAdvantage account don’t expire, so long as you have redeemed or earned miles in the past 18 months. 

Redeeming Rewards

Your AAdvantage miles are best used for flights booked directly with American Airlines or partner airlines via the AAdvantage portal or American Airlines app. Research by The Balance found that the miles you get from this card are worth 2.32 cents each, on average, when redeemed for those flights. That makes them the most valuable miles offered by an airline, according to our calculations. 

The American Airlines website contains flight award charts, lists of award flight rules, and peak dates. However, The Balance has found the published pricing details don't always line up with the prices shown in AAdvantage portal search results. Even the names of award flights published on the chart are different than what you may see when you search for flights directly.

An airline spokesperson told us flight pricing is becoming more dynamic, so the published charts are good to reference, but the most up-to-date flight prices are shown when you search for flights individually. Look for flights denoted as "web specials" to stretch your miles further, too.

You can also use miles to upgrade your seats on a paid flight. 

Although American Airlines miles are most valuable when redeemed for flights, some of the other things you can use miles for include:

  • Rental cars and hotel stays 
  • Vacation packages 
  • Gift cards

To see how the CitiBusiness AAdvantage Platinum Select World Mastercard’s miles stack up, check out our in-depth analysis of what credit card points are worth.

How to Get the Most Out of This Card

Make $4,000 worth of purchases with the card within the first four months to earn the sign-up bonus miles. If possible, most of those purchases should be on qualifying business and travel expenses to earn extra miles on top of the big bonus. If your employees travel, each of your team members should use this card. You’ll rack up miles faster as a group.

Since the $95 annual fee is waived for the first year, there’s no cost to make up right away. After the first year, using this card’s free checked bag benefit on two round-trip flights each year will recoup the annual fee cost. To get the most value from your points, use them to book flights on the American website.

To learn more about earning and using American Airlines AAdvantage miles once you have this card, check out our complete guide to this frequent flyer program.

CitiBusiness AAdvantage Platinum Select World Mastercard’s Excellent Perks

Besides the free checked bags, the card offers the following benefit, which our editors have deemed superior to the standard offerings of travel rewards cards:

  • American Airlines companion certificate: Spend $30,000 on purchases in a year and get a companion pass for domestic travel (the pass costs $99). 

You may have other (and easier) ways to earn/use this benefit right now, in light of recent travel disruptions. Read “Credit Card Deals Help You Earn and Use Travel Benefits During COVID-19” for more information. 

CitiBusiness AAdvantage Platinum Select World Mastercard’s Other Features 

  • Preferred boarding
  • 25% off American Airlines inflight food, beverages, and Wi-Fi
  • 24/7 assistant for help booking business travel and dining
  • Insurance for stolen or damaged purchases

As of Sept. 22, 2019, Citi no longer offers travel accident insurance, and travel and emergency assistance. You may still make travel accident claims on travel purchases made on the card before that date, however.

Customer Experience

Citi ranks No. 6 for customer satisfaction among 11 major card-issuing banks, scoring below the industry average in the J.D. Power 2019 U.S. Credit Card Satisfaction Study.

But Citi does provide a number of services to improve your experience. Besides 24/7 customer service, you get access to your FICO 8 score for free. 

Security Features 

Citi’s Fraud Early Warning system will notify you of suspicious account activity right away. And if you want another layer of protection, you can generate a virtual, temporary Citi credit card number to take the place of your real one while shopping online.

If your card does get stolen or you simply misplace it, you can use the Citi app to instantly block new charges to the card. This feature conveniently does allow recurring transactions to proceed uninterrupted until the matter is resolved. Citi replaces lost or stolen cards for free.

If your identity is compromised, the Citi Identity Theft Solutions team can help you identify compromised accounts, file police reports, and contact creditors to help you and your credit bounce back. 

CitiBusiness AAdvantage Platinum Select World Mastercard Fees 

Good news: This card doesn’t charge many fees. In addition to a handful of standard transaction and penalty fees (which are easily avoided), there’s a $99 annual fee, but it’s waived for the first year. There are no foreign transaction fees or charges for additional cardholders. 

Next Steps
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CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
overall rating
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles per $1 on eligible American Airlines, telecommunication, cable and satellite providers, car rentals and gas station purchases. Earn 1 mile per $1 on other purchases.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Citi. "CitiBusiness / AAdvantage Platinum Select World Mastercard." Accessed Jan. 16, 2020.

  2. American Airlines. "AAdvantage terms and conditions." Accessed Jan. 15, 2020.

  3. J.D. Power. "Credit Card Rewards War Reaches Inflection Point as Competition Grows, J.D. Power Finds." Accessed Jan. 16, 2020.

  4. Citi. "Card Benefits: Credit & Account Protection." Accessed Jan. 16, 2020.

  5. Citi. "Security Center." Accessed Jan. 16, 2020.