Editor’s note: This is a recurring post with regularly updated card details.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a travel credit card designed for business owners who fly with American Airlines frequently. It offers travel perks, such as priority boarding, free checked bags, and in-flight discounts. It also lets you earn miles, which can be redeemed for free flights and seat upgrades with American Airlines and its airline partners.
To see how this card stacks up against others we reviewed on our site, click Add to Compare on the card below and choose up to two additional cards for comparison.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
BEST FOR:
Frequent American Airlines flyers who want premium airline perks
Intro APR
N/A
Regular APR
21.24% to 29.99% variable
Annual Fee
$99
Credit Needed
Good - Excellent
- 2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
- 2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
- 1 AAdvantage® mile for every dollar spent on all other purchases
- Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases
Pros
- Does not charge foreign transaction fees
- Premium travel perks with American Airlines
- With signup bonus
Cons
- No 0% introductory APR
- Requires excellent credit score to qualify
- Balance transfers are not allowed
- Annual fee in the second year
- Free first checked bag: Eligible cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc
- Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the cardholder are eligible to board at the same time.
- 25% savings on in-flight food, beverage, and Wi-Fi: Cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card to pay on American Airlines flights.
- American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel after spending $30,000 or more in purchases each calendar year and when card membership is renewed. If you wish to redeem the certificate, you’ll pay $99 for the ticketing fee plus anywhere from $21.60 to $43.20 in government taxes and fees, based on the itinerary.
- Add employees as authorized users: Cardholders can add employees as authorized users at no additional cost.
Intro APR
N/A
Regular APR
21.24% to 29.99% variable
Annual Fee
$99
Credit Needed
Good - Excellent
- 2 AAdvantage® miles for every dollar spent on eligible American Airlines purchases
- 2 AAdvantage® miles for every dollar spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
- 1 AAdvantage® mile for every dollar spent on all other purchases
- Earn 1 Loyalty Point for every 1 eligible Aadvantage® mile earned from purchases
Pros
- Does not charge foreign transaction fees
- Premium travel perks with American Airlines
- With signup bonus
Cons
- No 0% introductory APR
- Requires excellent credit score to qualify
- Balance transfers are not allowed
- Annual fee in the second year
- Free first checked bag: Eligible cardholders may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines or American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines Inc., Mesa Airlines Inc., PSA Airlines Inc., or Piedmont Airlines Inc
- Preferred boarding: This benefit will apply to cardholders within seven days prior to air travel. A maximum of four traveling companions listed on the same reservation as the cardholder are eligible to board at the same time.
- 25% savings on in-flight food, beverage, and Wi-Fi: Cardholders can save up to 25% on food, beverages, and Wi-Fi when using the credit card to pay on American Airlines flights.
- American Airlines Companion Certificate: Cardholders can earn an American Airlines Companion Certificate for domestic main cabin travel after spending $30,000 or more in purchases each calendar year and when card membership is renewed. If you wish to redeem the certificate, you’ll pay $99 for the ticketing fee plus anywhere from $21.60 to $43.20 in government taxes and fees, based on the itinerary.
- Add employees as authorized users: Cardholders can add employees as authorized users at no additional cost.
How We Evaluate Travel Rewards Business Credit Cards
When grading travel rewards business credit cards, we weigh ongoing rewards, introductory rewards, and additional features heaviest. We also consider the card’s annual fee, as well as its introductory and ongoing annual percentage rates (APRs).
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 25 |
Introductory Rewards | 22 | 25 |
Additional Features | 20 | 25 |
Annual Fee | 13 | 15 |
Introductory APR | 0 | 5 |
Ongoing APR | 3 | 5 |
Total Score | 78 | 100 |
Who the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Is Best For
- Business owners who travel frequently with American Airlines: If you’re an American Airlines loyalist, you can enjoy exclusive perks, including free checked luggage, preferred boarding, and a $99 companion pass after spending $30,000 in an account year.
- Business owners who want to earn premium travel rewards on other expenses: Other than flights on American Airlines, CitiBusiness® / AAdvantage® Platinum Select® Mastercard® also offers premium miles rate on other expenses, including gas, telecommunications, satellite services, and car rentals.
See our recommended alternatives below if this card isn’t the best fit for your business.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Rewards
- 65,000 AAdvantage® bonus miles after spending $4,000 in purchases within the first four months of account opening
- 2x AAdvantage® miles for every dollar spent on the following:
- American Airlines purchases
- Cable and satellite providers
- Gas stations
- Selected telecommunications merchants
- Car rentals
- 1x AAdvantage® mile for every dollar spent on all other eligible purchases
You will also earn 1x Loyalty Point for every 1x eligible AAdvantage® mile earned from purchases, helping you reach AAdvantage® status. This elevates your travel experience with exclusive benefits, such as:
- Premium cabin upgrades
- Complimentary access to Main Cabin Extra and Preferred Seats
- Same-day standby priority
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Rewards Calculator
Know how much you can earn from CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. Use our rewards calculator to compute the potential rewards you can earn based on your projected monthly expenses per expense category. Enter your expected monthly spending and let our calculator do the rest. Miles are worth around 1 cent each, which may vary depending on how they are redeemed.
How To Redeem CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Miles
You can redeem your miles for travel on American Airlines, American Eagle®, oneworld® airlines, and other partner airlines. You can also use your miles for seat upgrades, car rentals, hotels, vacation packages, and Admirals Club® access. Typically, miles are worth 1 cent each, but this can change depending on how you redeem them.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Additional Features
- Free first checked bag: Enjoy one free checked bag each for you and up to four traveling companions when traveling on domestic itineraries marketed and operated by American Airlines and other partner airlines. This allows you to save around $300 for a round-trip flight.
- Preferred boarding: Enjoy preferred boarding when traveling American Airlines for you and a maximum of four traveling companions listed on the same reservation.
- 25% savings on in-flight purchases: Save up to 25% on food, beverages, and Wi-Fi when using the card to pay on American Airlines flights.
- American Airlines Companion Certificate: Receive an American Airlines Companion Certificate for domestic main cabin travel after spending $30,000 or more in purchases each calendar year when you renew your card membership. Note that you need to pay $99 for the ticketing fee and around $21.60 to $43.20 in government taxes and fees to redeem the certificate.
- Personal business assistant: Access a 24/7 personal business assistant to help with travel, hotel, and dining arrangements.
- Online account summaries: View monthly billing statements and account summaries online to reduce, streamline, and expedite your accounting.
- Add employees as authorized users: Add employee cards for free and set controls on their individual limits. Best of all, expand the card’s mileage-earning potential from both your purchases and theirs.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Fees
APRs
- Introductory: None
- Ongoing: 20.99% to 29.99% variable, which adjusts with the prime rate
- Cash advance: 29.99% variable, which adjusts with the prime rate
- Penalty: Up to 29.99% based on your creditworthiness—varies with the prime rate and will be applied if:
- You make a late payment
- Your payment is returned
Fees
- Annual: $99, waived the first year
- Foreign transaction: None
- Cash advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Minimum interest charge: No less than $0.50
- Late and returned: $41
How To Make Payments
- Online: Log in to your online account, click “Make a Payment,” and choose how much to pay, when to pay it, and where the payment will be coming from. You can also set up AutoPay for automatic payments to be deducted monthly on your due date.
- Citi Mobile®: Pay through the iOS and Android mobile apps.
- Phone: Call (800) 950-5114 or the number found on the back of your card, enter your card information, and follow the prompts to make a payment.
- Nearest Citibank ATM: Go to the nearest Citibank ATM, which accepts cash payments of up to $3,000 per monthly credit card account.
- Mail: Send a check or money order (but not cash) to the following address:
PO Box 9001037
Louisville, KY 40290-1037
- Overnight Delivery/Express Payments: Send your check or money order (but not cash) to the following address:
Citibank Express Payments
6716 Grade Ln.
Bldg. 9, Ste. 910
Louisville, KY 40213
When To Consider CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Alternatives
You Need a 0% Intro APR
It’s worth noting that the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® doesn’t offer a 0% introductory APR. If you need a card with a 0% introductory financing option, consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Comes with 0% APR on both purchases and balance transfer transactions for the first 15 billing cycles after opening an account
- Offers 5% cash back on travel and up to 3% cash back on other categories—plus, there’s no limit to how much you can earn
- Gives you a $100 annual statement credit for recurring software subscription, including QuickBooks and FreshBooks
It is one of the leading business credit cards with 0% APR and top business cards for balance transfers because of its long 0% APR offer.
You Fly With Different Airlines
If you are a frequent traveler but don’t necessarily fly with American Airlines all the time, you may benefit more from a travel business credit card that is not tied up with any particular airline. In that case, the Chase Ink Business Preferred® may be more valuable for you.
Ink Business Preferred® Credit Card
BEST FOR:
Maximizing travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
Intro APR
N/A
Regular APR
21.24%-26.24% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interest-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- Cellphone protection: Get up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees listed on your monthly cellphone bill
- Purchase protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended warranty protection: You can extend the period of the United States manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud monitoring: Chase will help keep your accounts safe with account alerts―and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits―helping you earn rewards even faster
- Offers 100,000 bonus points when you spend $8,000 in the first three months
- Lets you earn up to 5x points on purchases (points will vary depending on expense categories)
- Offers 25% more points value when you redeem them toward travel
- No foreign transaction fees
Chase Ink Business Preferred® is our most recommended high-limit business credit card, making it a good option if your business needs a high buying power. Additionally, it is also our leading business credit card for travel because of its generous travel perks.
You Cannot Meet the Credit Requirement
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Alternatives requires a good to excellent credit score for you to qualify. If you cannot meet this credit requirement, you may want to consider a business prepaid card. We recommend the Emburse Spend Card as a good alternative.
- Lets you earn unlimited 1% cash back on all purchases
- Has no monthly or local transaction fees
- Can be loaded up to $100,000—you may also request a higher limit if you need it
- Comes with a robust expense management system
- Does not require a personal guarantee
It is one of our best prepaid cards, top-ranking purchasing cards, and best business cards with no personal guarantee because of its unlimited rewards and easy-to-use platform.
Frequently Asked Questions (FAQs)
You can apply for CitiBusiness® / AAdvantage® Platinum Select® Mastercard® online. Click the APPLY NOW button in this article to get started. Make sure that you meet the credit requirement of the issuer, which is good to excellent, to qualify.
The number of miles required to redeem a free flight varies depending on your destination and where you’re traveling from. According to American Airlines, you can redeem a free flight for as little as 7,500 miles.
Your American Airlines AAdvantage miles won’t expire as long as your account remains open and in good standing.
Bottom Line
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a great option for business owners who travel with American Airlines frequently. Aside from earning rewards, you can enjoy several travel perks, which can help you optimize your travel experience. Check out our roundup for the best small business credit cards for other options.
