Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content

CitiBusiness AAdvantage Platinum Select Mastercard Review: A Big Bonus for Business Owners

Review Updated
Lyle Daly
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.  Citi is an advertising partner of Motley Fool Money.

Offer status

The information for this offer was collected independently by Motley Fool Money and has not been reviewed by the issuer. Some items may be out of date.

Citi and American Airlines offer an affordable airline credit card for business owners with the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. Coming in at a low annual fee, this card earns miles on purchases, offers a free checked bag and priority boarding, and has a top-tier sign-up bonus. Find out if it's a winner for your business in this c-offer-name-citbusiness-platinum-select-end-sc review.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 29.99% (Variable)

Rewards Circle with letter I in it. Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations, Earn 1 AAdvantage® mile per $1 spent on other purchases

1x - 2x miles

Annual Fee Circle with letter I in it. $0 intro annual fee for the first 12 months, $99 thereafter

$0 intro fee

Welcome Offer Circle with letter I in it. For a limited time, earn 75,000 American Airlines AAdvantage®bonus miles after spending $5,000 in purchases within the first 5 months of account opening.

75,000 miles

  • The rewards program and sign-up bonus make this a compelling card to carry with OK earning opportunities beyond just American Airlines purchases, particularly for business purchases.

    • Big sign-up bonus
    • Free checked bag
    • Preferred boarding
    • Earn a flight discount certificate
    • Business-focused miles
    • Annual fee
    • Lackluster rewards rate
    • Designed for businesses
    • For a limited time, earn 75,000 American Airlines AAdvantage®bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
    • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
    • 25% savings on American Airlines inflight Wi-Fi when you use your card
    • Enjoy preferred boarding on American Airlines flights
    • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
    • Earn 1 AAdvantage® mile per $1 spent on other purchases
    • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
    • No Foreign Transaction Fees
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is unavailable on Motley Fool Money. All information was collected independently from the issuer. Some items may be out of date.

Full CitiBusiness AAdvantage Platinum Select Mastercard review

Top perks

65,000 bonus miles

You'll earn this bonus after you spend $4,000 on purchases within the first four months of account opening. That's a lot of miles for a reasonable minimum spending requirement, making this one of the best sign-up bonuses of any airline credit card. Note that you won't be eligible if you've already opened this card and received its sign-up bonus within the previous 48 months.

Earn up to 2 miles per $1

The sCitiBusiness® / AAdvantage® Platinum Select® Mastercard® earns 2 miles per $1 on purchases with:

  • American Airlines
  • Telecommunications merchants
  • Cable and satellite providers
  • Car rental merchants
  • Gas stations

On other eligible purchases, it earns 1 mile per $1. If you have moderate-to-high business spending, you can quickly earn enough miles for free American Airlines flights.

One free checked bag

On domestic flights with American Airlines, you and up to four companions on the same reservation will each get one free checked bag. American Airlines would otherwise charge $30 for your first checked bag, so even if you're traveling solo, this perk can save you $60 on a round trip.

Preferred boarding

You and up to four companions on your reservation will be able to board with Group 5. This group boards after priority boarding but before economy boarding. When you're bringing a carry-on, boarding a little earlier could make it easier to find space in the overhead compartments.

Earn an American Airlines companion certificate

If you make at least $30,000 in eligible purchases during your card membership year and you keep the card open for at least 45 days after your annual fee posts, you'll receive an American Airlines companion certificate. A companion certificate entitles you to purchase a round-trip domestic economy ticket for someone traveling with you at a cost of $99 plus taxes and fees. Depending on the itinerary, you could save over $300.

25% savings on eligible in-flight purchases

You'll save 25% on in-flight purchases of food, beverages, and internet made with your CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. Airline credit cards that offer in-flight discounts often exclude internet because it's offered by a third-party merchant, but this card is an exception to the rule.

Annual fee waiver

Although this card charges a $99 annual fee, that fee is waived for the first year.

No foreign transaction fees

You won't need to pay more if you use your credit card while traveling abroad.

Read more: Best No Foreign Transaction Fee Credit Cards

What could be improved

Lounge access

You won't get any airport lounge access through this card. Given the card's reasonable annual fee, it's understandable that it doesn't offer a full American Airlines Admirals Club membership. But there are airline cards in the same annual fee range that at least offer a couple of day passes.

Global Entry/TSA PreCheck credit

It has become increasingly common for travel rewards credit cards to cover your membership fee with either Global Entry or TSA PreCheck, both of which can cut down how long you wait in airport security lines. The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® doesn't have this benefit, though.

Learn more: Best Rewards Credit Cards

Find the best credit card for your needs
Image of reviewer

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

To apply for CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you should have a FICO® Score of 670 or higher. Applicants usually need good credit to qualify for this card.

Since you'll be applying for a business credit card, you also need a business. Small businesses, side hustles, and sole proprietorships will all qualify.

Is the annual fee worth it?

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® offers enough valuable perks to make the $99 annual fee worth it, but only for the airline's frequent flyers who can take advantage of those benefits.

A free checked bag can save you $60 each round trip, and you'll save even more if you also have travel companions with their own luggage to check. If you spend at least $30,000 and get an American Airlines companion certificate, you can redeem that certificate and get much more than $99 in value.

There's also the value of the miles you earn using this card. AAdvantage® miles are generally worth $0.01 to $0.015, depending on how you use them. Using the lower end of that range, this card's sign-up bonus will likely be worth at least $650.

Read more: Best Citi Credit Cards

Alternatives to consider

  • If you want more ways to redeem your travel points: The Ink Business Preferred® Credit Card offers some of the most valuable and flexible travel rewards. You can transfer its Ultimate Rewards points to over a dozen airlines and hotels, or you can redeem them in Chase's travel portal for a fixed value of $0.0125 per point. This card is perfect for businesses with big spending, because it has an incredible sign-up bonus.
  • If you want a great rewards rate on your expenses: You'll earn an unlimited 2 miles per $1 on purchases using the Capital One Spark 2X Miles. The only exception is hotels and car rentals booked through Capital One, which qualify for an even better rate of 5 miles per $1. This card also covers your membership fee with Global Entry or TSA Precheck.
As of Dec. 26, 2024
Image for
Image for
Ink Business Preferred® Credit Card Capital One Spark 2X Miles
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Excellent (740-850)

Excellent (740-850)

Welcome Offer: Circle with letter I in it. Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Earn 90,000 bonus points

Welcome Offer: Circle with letter I in it. Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening

50,000 miles

Rewards Program: Circle with letter I in it. Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn.

Earn 3 points per $1 in select business categories

Rewards Program: Circle with letter I in it. Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card.

2X-5X miles

Intro APR: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Regular APR:

20.49% - 26.49% Variable

Regular APR:

25.74%, variable

Annual Fee: Circle with letter I in it. N/A

$95

Annual Fee: Circle with letter I in it. $0 intro fee for first year; $95 after that

$0 intro fee

Highlights:

  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
  • 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 Travel℠
  • 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

Highlights:

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card
  • Transfer your miles to 10+ leading travel loyalty programs like JetBlue™, Air Canada, and Emirates™
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Fly through security with one statement credit for either the $85 TSA Pre✓® application fee or the $100 Global Entry application fee
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
Show More Arrow graphic to expand and collapse content Show Less Arrow graphic to expand and collapse content

The Capital One Spark 2X Miles is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

This credit card is right for you if:

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a perfect fit if you have a business and you fly multiple times per year with American Airlines. It's an especially smart choice if you live near the Dallas/Fort Worth airport or any of the airline's other hubs, since you'll have plenty of opportunities to book flights with American Airlines and redeem your miles.

Ideally, you should plan to spend at least $2,500 per month ($30,000 per year) in purchases with this card. That way, you'll earn more than enough miles to outweigh the cost of the annual fee, and you'll get a companion pass.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • Citi does not provide credit limit data for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. However, credit limits between $3,000 and $20,000 have been self-reported by cardholders.

  • This card operates on the Mastercard network. It is reported to be a World Mastercard, which is the middle of Mastercard's three credit card tiers.

  • This card seems relatively easy to get for small business owners with good to excellent credit. Remember that you must have a business to qualify for a business credit card.