CitiBusiness / AAdvantage Platinum Select Mastercard Review for 2023
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is an excellent travel card for business owners who fly with American Airlines frequently. It offers travel perks, such as priority boarding, free checked bags, and travel rewards, which can be redeemed for free flights with American Airlines and its foreign airline partners.
If you want to compare one card over another, choose a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent American Airlines flyers wanting premium airline perks
Intro APR
N/A
Regular APR
20.74% to 29.74% 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 1) after spending $30,000 or more in purchases each calendar year and 2) 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
20.74% to 29.74% 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 1) after spending $30,000 or more in purchases each calendar year and 2) 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.
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 and 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 | 10 | 15 |
Introductory APR | 0 | 5 |
Ongoing APR | 3 | 5 |
Total Score | 75 | 100 |
Who the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Is Best For
- Those who travel with American Airlines frequently: It offers perks, such as free checked luggage, preferred boarding, and a $99 companion pass after spending $30,000 in an account year, which makes this card valuable for American Airlines loyalists.
- Those who collect mileage points: It doesn’t have any limit on the number of AAdvantage® miles you can earn.
See our recommended alternatives below if this card isn’t the best fit for your business.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Fees
APRs
- Introductory: None
- Ongoing: 20.49% to 29.49% variable, which adjusts with the prime rate
- Cash advance: 29.74% variable, which adjusts with the prime rate
- Penalty: Up to 29.99% based on your creditworthiness—varies with the prime rate; will be applied indefinitely to your account if you made either a late or returned payment
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
Your due date is at least 23 days after the close of each billing cycle.
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
- 2 AAdvantage® miles for every dollar spent on the following:
- Cable and satellite providers
- Eligible American Airlines purchases
- Gas stations
- Selected telecommunications merchants
- Car rentals
- 1 AAdvantage® mile for every dollar spent on all other purchases
Earn 1 Loyalty Point for every one 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.
How To Make Payments on the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
- 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
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Features
Travel Benefits
- 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. A maximum of four companions traveling with the eligible cardholder can also have their first bag checked free of charge, as long as they’re listed on the same reservation.
- 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.
Business Perks & Convenience
- Personal business assistant: Cardholders can get 24/7 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: Cardholders can add employees as authorized users for free. Best of all, you can expand the card’s mileage’s earning potential from both your purchases and theirs.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Alternatives
Capital One® Spark® Miles Select for Business
Capital One® Spark® Miles Select for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Travel rewards and annual spending less than $19,000
Intro APR
0% on purchases
Regular APR
18.74% to 28.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
0% on purchases
Regular APR
18.74% to 28.74% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Is a viable alternative for those wanting to earn unlimited travel rewards without paying an annual fee
- Lets you earn unlimited 1.5x miles on all purchases regardless of spending categories
- Doesn’t charge annual, balance transfer, and foreign transaction fees
- Has a 0% introductory APR on purchases for the first 9 billing cycles
- Is our leading business credit cards for travel, and one of our preferred business credit cards for miles and business credit cards for startups
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
18.99% - 27.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- 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 18.99% - 27.99%.
- 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
18.99% - 27.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- 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 18.99% - 27.99%.
- 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.
- Is a great choice if you want a longer 0% introductory period for both purchases and balance transfers
- Has a 0% introductory APR on purchases and balance transfers for the first 15 billing cycles
- Doesn’t charge annual fees
- Lets you earn 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center, 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cellphone service providers, and restaurants, and 1% cash back on all other eligible purchases.
- Is one of our best cash back business credit cards, 0% APR business credit cards, business credit card balance transfers, and credit cards for new businesses with no credit history
Bank of America® Business Advantage Customized Cash Rewards
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those wanting to earn 3% cash back in a spending category of your choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.24% - 28.24% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.24% - 28.24% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.24% to 28.24% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
- Is an excellent card if you want a higher cash back reward on the category of your choice
- Lets you earn 3% cash back on your selected category; choose from gas, office supplies, travel, TV or telecommunication services, computer services, and business consulting services
- Has a 0% introductory APR on purchases for the first nine billing cycles
- Doesn’t charge annual fees
- Is one of our preferred cash back business credit cards and 0% APR business credit cards
See our guide on the best small business credit cards for additional options.
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 maximize your travel spending. Note that other business credit cards can help you earn fixed rewards on a category of your choice and offer a 0% introductory APR.
