| Rewards | 2 AAdvantage® miles per $1 spent on: Eligible American Airlines purchases Telecommunications merchants, cable & satellite providers Car rentals and gas stations 1 AAdvantage® mile per $1 on all other purchases. |
|---|---|
| Signup Bonus | Earn 75,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of opening your account. |
| Annual Fee | $0 intro annual fee for the first year, then $99 each year afterward |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.99% Variable APR |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $41 for a late payment. |
| Purchases APR | 19.49% – 28.49% Variable APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® stands out for its strong travel perks for business owners who fly American Airlines, including bonus miles on flights, gas, car rentals, and telecom purchases, plus a solid signup bonus. Most users say they love how quickly miles accumulate on everyday business expenses, and many reviewers mentioned the first-year fee waiver as a nice perk. Cardholders also appreciate the deductible annual fee and the ease of managing business expenses separately from personal finances.
On the flip side, some users complain that the purchase APR is high after the intro period and that the card doesn’t offer general cash-back rewards. A few note that customer service can be inconsistent, especially when handling disputes or complex business queries.
Personally, I think this card is ideal for small business owners who frequently travel with American Airlines and want to earn miles on routine business spending. But if your focus is on general rewards or low interest rates, there are better options out there. Overall, it’s a solid, niche card for travel-focused businesses, though not a one-size-fits-all solution.
RATE THIS CREDIT CARD
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N
Dependable for Daily Business Expenses
Running my small business, this Citi card made purchases and billing seamless. Rewards on supplies and travel added up nicely, and online tools helped track spend customer service was responsive when I needed support
S
Fees can be annoying
The card works well for purchases, but fees on certain transactions made me hesitate. It’s okay if you have enough volume, but for occasional use maybe not worth it.
A
mediocore card
it is decent for tracking business expenses and separating personal spend, but rewards feel weak compared to other Citi business cards. Interest rates are on the high side, too.
