CitiBusiness AAdvantage Platinum Select Mastercard Review

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The CitiBusiness AAdvantage Platinum Select World Mastercard is a well-rounded airline card for small businesses. It offers valuable miles, a nice bonus, and no annual fee for the first year, making it a good card for business owners seeking rewards for American Airlines loyalty. 

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Overall Rating
CitiBusiness® / AAdvantage® Platinum Select® 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
for Credit
Current Offer

Earn 65,000 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 business cards, some non-travel business purchases earn the highest rate of rewards in addition to airline purchases, so this CitiBusiness card is also a good option if your business spends heavily on things satellite, cable, telecommunications, car rentals, and gas.

  • Good bonus for new cardholders

  • High-value miles

  • Free checked bags

  • Few extra travel benefits

  • Reward earning limitations

Pros Explained

  • Good bonus for new cardholders: We calculate that this card’s 65,000 bonus miles are worth about $1,326, on average, which makes it one of the most valuable airline business card bonuses available right now. 
  • Very valuable miles: According to our average point valuation calculation, American Airlines AAdvantage miles are worth 2.04 cents each when redeemed for flights, which is the best U.S. airline reward valuation. That also means it may take fewer miles for you to earn award flights.
  • Free checked bags: This benefit is good for you and four travel companions on the same reservation, 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 make up for future annual fees. 

Cons Explained

  • Few extra travel benefits: This card doesn’t offer some of the top travel benefits that other airline business 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 purchase categories that earn double miles, your rewards-earning will be slower. Some business travel cards that aren’t airline-branded offer more ways to earn points, so keep that in mind while you weigh your options.

Bonus for New Cardholders

If you spend $4,000 on the card within four months of opening it, you'll get 65,000 American Airline AAdvantage miles, which is one of the most valuable airline business card bonuses offered right now, thanks to the high-value miles. The bonus is a good deal for those who want to save on business travel soon, as those miles should be enough to cover at least one round-trip domestic flight, based on The Balance’s research. 

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 extra miles aren’t available to anyone who has received another CitiBusiness AAdvantage Platinum Select card bonus 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. That’s a typical airline purchase earning rate compared to other business cards with similar annual fees.

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. 

In addition, you’ll earn 2 miles per dollar spent on rental cars, gas, cable and satellite (including internet) expenses, and telecom merchants. Every $1 spent outside those bonus categories will earn 1 mile. There are also opportunities to earn bonus miles on vacation packages booked through the AAdvantage program website. 

There’s no cap on the number of miles you or other cardholders can earn. Miles that have been 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 domestic 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 2.04 cents each, on average, when redeemed for those flights. That makes them the most valuable miles offered by an airline, according to our calculations. 

We recommend searching for flights to get a better idea of what upcoming trips may cost. The Balance found flight prices can be much different than what’s listed in the published award chart. That’s because ticket prices are based on many variables, including demand, route, and time of year, according to the airline.

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

  • Ticket upgrades
  • Rental cars and hotel stays 
  • Vacation packages 
  • Exclusive service

Check out our American Airlines AAdvantage program guide to learn even more using the rewards you'll earn with this card.

How to Get the Most Out of This Card

Make $4,000 worth of purchases with the card within the first four months after opening your account to earn the 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. 

Since the $99 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 miles, use them to book flights on the American website or through the mobile app.

If your employees travel, each of your team members should use this card. You’ll rack up miles faster as a group. 

Excellent Perks

Besides the free checked bags, this card has one other stellar benefit: 

  • American Airlines companion certificate: Spend $30,000 on purchases in a year and get a companion pass for domestic travel (the pass costs $99, plus $21.60-$43.20 in taxes). 

Other Features 

  • Preferred boarding
  • 25% off American Airlines in-flight food, beverages, and Wi-Fi

Customer Experience

Citi doesn't particularly stand out when it comes to customer service ratings. It ranked No. 6 for customer satisfaction among 11 major card-issuing banks in the J.D. Power 2020 U.S. Credit Card Satisfaction Study. Cardholders can also manage their account and rewards with Citi’s mobile app and the AAdvantage app. 

Security Features 

As most card issuers do, Citi will notify you of suspicious account activity right away by text, email, or phone. 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. 


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’s no foreign transaction fee or charges for additional cardholders.

Next Steps
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CitiBusiness® / AAdvantage® Platinum Select® 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. J.D. Power. "Customers Losing Faith in Credit Card Issuers as COVID-19 Pandemic Lingers, J.D. Power Finds." Accessed Feb. 22, 2021.