HighlightsCredit Card Feature
Things We LikeSigning bonus of 30,000 American Airlines AAdvantage® bonus miles
Our Least Favorite $95 annual fee (waived for the first 12 months)
Our Verdict Great card to earn AAdvantage® miles

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Many owners of small businesses use their personal credit cards for business purposes, but there are many disadvantages of putting business expenses on your personal credit card. Business credit cards not only give a credit line to meet your business needs, they also give you the opportunity to earn premium rewards for you and your employees.

Here we'll do a detailed review of the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, a partner card, which is a business credit card issued by Citi (C) that primarily benefits those of you who fly often for business, especially on American Airlines, and I will tell you what you should watch out for. 


Things We Like About CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Earn 30,000 American Airlines AAdvantage® bonus miles. This is the most notable and attractive incentive this card has to offer. To receive these 30,000 American Airlines AAdvantage® bonus miles, you have to spend at least $1,000 in purchases with this card within the first 3 months of account opening.

Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases, car rentals, telecommunications and at gas stations. You will earn 2 AAdvantage® miles for each dollar you spend at gas stations and on eligible telecommunications, car rentals and American Airlines purchases.

For every $1 spent, earn 1 AAdvantage® mile. For every $1 you spend on other purchases with this credit card, you will earn 1 AAdvantage® mile. Before you know it, you will have accumulated a lot of miles.

Receive 25% savings on eligible in-flight purchases. When you use your card to pay for in-flight beverage and food purchases on American Airlines flights you will receive 25% savings, which will appear as a statement credit 6 - 8 weeks after the transaction goes through.

Receive a $99 domestic economy fare American Airlines Companion Certificate each year after your account anniversary. You can redeem this $99 Companion Certificate which is valid for one year for a round trip flight with either American Airlines or other eligible flights marketed by American Airlines. To receive this $99 Companion Certificate you must spend at least $30,000 in eligible purchases with your card each cardmembership year and your account must remain open for at least 45 days after your account anniversary. Keep in mind that this $99 Companion Certificate doesn't include taxes and fees which are worth up to $44.

Your first checked bag is free for you and up to 4 traveling companions when traveling on domestic American Airlines flights. When you use this business card to pay for your domestic American Airlines flights, you and up to 4 traveling companions will be able to check in a free bag each when listed in the same reservation.

Enjoy Group 1 Boarding for you and up to 4 traveling companions when traveling on American Airlines. By purchasing your American Airlines plane tickets with this card, you and up to 4 traveling companions on the same reservation can avoid the long queues that many times seem inevitable when boarding your flight.

Set credit limits on each additional credit card. If you have a small business and you want to provide your employees with a credit card, you will be able to set individual credit limits on each employee card so you can control how much they can spend. The good thing is you will also receive miles from purchases made on these employee cards.

Low balance transfer fee of 3%. For each balance transfer you pay just 3% of the amount you transfer in fees, or a $5 minimum, whichever is greater.

Free travel and auto rental insurance. If you travel a lot (both within and outside the U.S.), you might feel safer knowing that you have a travel accident insurance when you pay your plane/train/bus ticket with this Citi card. You will also enjoy auto rental insurance, emergency and travel emergency assistance.

Many other advantages. With this credit card you will also receive many more advantages. If something were to happen with your card you will be able to contact a customer representative right away. You can also manage your account online, receive quarterly and annual summaries (at no cost) sorted by employees, spending category and amount to help keep track of your business expenses.

$95 annual fee (waived for the first 12 months). During the first 12 months of being a cardmember, you will enjoy all the benefits of this Citi business card without having to pay an annual fee. After the first 12 months, you have to pay an annual fee of $95.


Our Least Favorite Things About CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

No introductory APR on purchases or balance transfers. This card has no introductory APR on purchases or balance transfers, unlike many other business credit cards that come with an intro APR on purchases for the first few months. You start out with a regular 16.74% - 24.74% variable APR for purchases and balance transfers. So you must remember to always pay in full and make your payments on time. If you prefer a business credit card with intro APR on purchases or balance transfers, click on the business credit cards section for a selection of these.

After the first 12 months, you will have to pay an annual fee of $95. I know no one likes paying an annual fee, but for this card, at least you won't have to pay it for the first year.

If you run a business and travel regularly for work (especially on American Airlines), you will make the most of the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® as it rewards you with AAdvantage® miles when you make purchases on this card. The most attractive incentive that's offered to new cardmembers is that by only spending $1,000 in purchases on this card within the first 3 months of account opening you earn 30,000 American Airlines AAdvantage® bonus miles. This card is designed for businesses that have an established credit record and excellent credit. It's $95 annual fee (waived for the first 12 months).