Loyal American Airlines customers will find a lot to like about this credit card, and business owners will get even more value out of it.
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For frequent American Airlines flyers, there’s a card that’ll reward them heartily: the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®. Not only will they accumulate miles quickly with the card, but their miles will go further with American Airlines’ Reduced Mileage Awards program. Far from being a one-trick points pony, the card also streamlines operations for business owners and offers loyalty perks on American Airlines flights.| Product Name | CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® |
|---|---|
| APR for Purchases ( Purchase Rate ) | 16.74% to 24.74% variable |
| Annual fee | $0 annual fee for the first year ($95 thereafter) |
| Cash Advance Rate | 21.24% variable |
| Card Type | Mastercard |
| Interest Free Period The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement. | Up to 23 days |
| Returned Payment Fee | $37 |
| Minimum Interest | $0.50 |
| Minimum Credit Score | Good (700-739) |
|---|---|
| Minimum Age | 18 years of age |
| Annual fee | $0 annual fee for the first year ($95 thereafter) |
|---|---|
| Returned Payment Fee | $37 |
| Late Payment Fee | $37 |
| Cash Advance Fee | $5 or 3% of the amount of each cash advance, whichever is greater |
| Rewards Program | Citi Miles Program |
|---|---|
| Bonus Points on Sign-up | 60,000 |
| Rewards Points per $ spent (VISA/MC) | 1 |
| Points Expiry | Never |
The nuts and bolts
Product details
- APR for purchases (purchase rate): 16.74% to 24.74% variable
- Balance transfer rate: N/A
- Cash advance rate: 21.24% variable
- Card type: Mastercard
- Interest-free period: Up to 23 days
- Minimum interest: $0.50
Application requirements
- Minimum credit score: Excellent (720+)
- Minimum age: 18 years of age
Fees and payments
- Annual fee: $0 for the first 12 months
- Returned payment fee: Up to $37.00
- Late payment fee: $37
- Balance transfer fee: N/A
- Cash advance fee: $5 or 3% of the amount of each cash advance, whichever is greater
- Foreign transaction fee: None
CitiBusiness/AAdvantage Platinum Select World Mastercard review
The CitiBusiness/AAdvantage Platinum Select World Mastercard is quite the ally for loyal American Airlines flyers, with point advantages and perks for American Airlines flights.
The introductory bonus of 60,000 AAdvantage miles can go a long way, and it gets even better when you consider you have to spend only $3,000 in the first 3 months to earn it. Those miles, in addition to the 2 miles earned per dollar spent on eligible American Airlines purchases, can take you around the world on multiple free flights. Notably, your miles go further through the Reduced Mileage Awards program, which allows you to redeem your miles for select flights at discounted rates.
If you’re a business owner, you’ll find a few helpful features of the CitiBusiness/AAdvantage Platinum card. First, you’ll receive 2 miles per dollar spent on eligible business categories, including car rentals, telecommunications expenses, and gas stations (though double miles for spending at office supply stores or warehouse clubs would be a nice addition). You also can acquire employee credit cards under your account at no additional cost, and spending from those cards accumulates miles for you. Plus, you’ll receive an American Airlines Companion Certificate if you spend $30,000 within a 12-month period. And being a CitiBusiness/AAdvantage cardholder gives you access to a 24/7 Personal Business Assistant who can help you with dining and travel plans.
Other great perks round out a satisfying American Airlines card: You’ll get your first bag checked free and receive Group 1 boarding on domestic American Airlines flights, and you’ll get a 25% discount on eligible in-flight purchases. All things considered, there’s tremendous value in the CitiBusiness/AAdvantage Platinum card for frequent American Airlines flyers and business owners.
The perks
- Annual fee waived for the first 12 months. The CitiBusiness/AAdvantage Platinum card comes with an annual fee of $95 p.a., which will be waived for the first 12 months.
- Introductory bonus of 60,000 American Airlines AAdvantage miles. If you spend $3,000 within the first 3 months of opening your account, you’ll earn 60,000 AAdvantage miles you can use toward American Airlines flights.
- Free checked bag. With your CitiBusiness/AAdvantage Platinum card, you can check your first bag free on domestic American Airlines flights.
- Group 1 boarding. You’ll have Group 1 boarding on domestic American Airlines flights.
- No foreign transaction fees. You’ll be able to use your card overseas without incurring fees.
- 2 miles per dollar spent at American Airlines. You’ll earn double miles for spending on eligible American Airlines purchases.
- 2 miles per dollar spent on certain business categories. You’ll receive double miles for spending at eligible car rental providers, telecommunications providers, and gas stations.
- 1 mile per dollar spent on all other purchases. For all other purchases you make with your card, you’ll receive one mile per dollar spent.
- American Airlines Companion Certificate after $30,000 of spending. If you spend $30,000 within a 12-month period before your account anniversary, you’ll receive an American Airlines Companion Certificate for a domestic Main Cabin fare. With the certificate, you can bring a companion on a flight at a cost of $99 plus $21.60 to $43.20 in government taxes and fees.
- 25% discount on in-flight American Airlines purchases. When using your CitiBusiness/AAdvantage card to make in-flight purchases on American Airlines flights, you’ll save 25% on headsets, food and beverages. (The discount cannot be applied to wireless internet access.)
- Points go further through the Reduced Mileage Awards program. Through the Reduced Mileage Awards program, you can redeem your AAdvantage miles for discounted trips selected by American Airlines.
- Receive employee cards at no cost. You can open employee business card accounts and earn points on spending from those accounts.
- Concierge service. The CitiBusiness/AAdvantage Platinum card comes with a 24/7 Personal Business Assistant, who can help you with plans for travel, dining and hotel stays.
- No mileage cap. You can earn as many miles as you’d like through the CitiBusiness/AAdvantage Platinum card.
- No mileage expiration. Your miles don’t expire as long as you earn or redeem miles on American Airlines at least once every 18 months.
What to watch out for
- Higher APR for cash advances. Keep in mind that the APR for cash advances (21.24% variable) is higher than the purchase APR (16.74% to 24.74% variable). You’ll also incur a cash advance fee of $5 or 3% of the amount of each cash advance, whichever is greater
- Account restrictions. You may not apply for this card if you already have a CitiBusiness/AAdvantage Platinum Select World Mastercard account. You also may not receive bonus miles or other special offers if you have opened a CitiBusiness/AAdvantage account in the past 24 months.
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How to apply for the CitiBusiness/AAdvantage Platinum Select World Mastercard
Always consider your options and your financial situation before you apply for a credit card.
Eligibility criteria
- You are at least 18 years old
Required documents & information
- Your name, residential status and residential address
- Your Social Security number
- Your email address, phone number and date of birth
- Financial information like your annual salary and wages