Credit Cards Credit Card Reviews

CitiBusiness/AAdvantage Platinum Select Mastercard Review

overall rating
3.7

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If you're a business owner who often flies American Airlines for work, the CitiBusiness/AAdvantage Platinum Select Mastercard allows you to earn 2 miles per dollar on American purchases, as well as on cable and satellite services, telecommunications services, and car rentals. It has a $99 annual fee, which is waived for the first year.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

overall rating
3.7
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
On Citi's Secured Site.

Current Offer:

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles per $1 on eligible American Airlines, telecommunication, cable and satellite providers, car rentals and gas station purchases. Earn 1 mile per $1 on other purchases.
Balance Transfer Fee This card does not offer balance transfers.
Cash Advance APR (%) 25.24%
Cash Advance Fee Either $10 or 5% of the amount of each transfer, whichever is greater.
how this card stacks up
When compared among all business cards in our database:
Rewards
Benefits
Low Fees
Security/Customer Experience
Low Interest
worst best

The Citibusiness/AAdvantage Platinum Select Mastercard is not one of our top-rated business credit cards. You can review our list of the best business credit cards for what we think are better options.

Full Review of CitiBusiness/AAdvantage Platinum Select Mastercard

Pros
  • Excellent one-time offer

  • Useful travel extras on American Airlines

  • No foreign transaction fees

Cons
  • Annual fee applies after the first 12 months

  • Limited travel benefits

Pros Explained

  • Excellent One-Time Offer: This card allows you to earn 65,000 American Airlines AAdvantage bonus miles if you spend at least $4,000 on qualifying purchases within the first four months of opening an account. While that’s a higher "spend" than is required for many such bonuses, you also get longer to reach it—that is, four months rather than the customary three. And the value of the bonus is exceptional. Each AAdvantage mile is worth 2.32 cents each, according to Investopedia's valuation, which makes those 65,000 bonus miles worth a whopping $1,508 when used for flights. That’s one of the most lucrative bonuses you can receive, and delivers a nearly 38% return on your required spending.
  • Useful Travel Extras on American Airlines: When you fly on American Airlines and book your fare with your CitiBusiness card, you’ll get some useful benefits that can enhance your travel experience. Those pluses include a free first checked bag on domestic American Airlines flights for you and up to four companions, preferred boarding on American Airlines flights, 25% savings on in-flight wi-fi on American Airlines flights, and 25% savings on in-flight food and beverage purchases.
  • No Foreign Transaction Fee: If you travel outside of the United States for your business or work with international vendors, it’s important to pay attention to foreign transaction fees. Some cards, such as the Chase Ink Business cash card, will charge a percentage (typically 3%) to each transaction, adding to your total costs. The CitiBusiness/AAdvantage Platinum Select Mastercard has no foreign transaction fees, helping you save money.

Cons Explained

  • Annual Fee: While the annual fee on this card is waived for the first 12 months, you'll have to pay $99 per year after that to keep using the card—a commitment you may prefer to avoid. That said, the CitiBusiness/AAdvantage Platinum Select Mastercard makes it fairly easy to justify that cost in American Airlines tickets, given the card's generous rewards and the relatively high value of the carrier's miles. Annual spending of $2,500 would suffice, since that would earn you 5,000 miles, which we estimate to be worth more than $100 when used for flights. 
  • Limited Travel Benefits: If you travel often for work, you likely want a travel credit card that provides extra benefits. Unfortunately, the CitiBusiness/AAdvantage Platinum Select Mastercard is short on travel features, especially for a card with an annual fee. You won’t get airport lounge access with this card, for example, nor will you get the travel insurance, rental car coverage, or travel and emergency assistance services offered by many comparable travel cards.

This Card is Best For

  • Avatar for Loyalty Status Seeker Persona
    Seeks the recognition and perks of branded travel partner status
    Loyalty Status Seeker
  • Avatar for Frequent Flyer Persona
    Flies often for business or leisure
    Frequent Flyer
  • Avatar for International Traveler Persona
    Travels outside of U.S. on occasion or frequently
    International Traveler
  • Avatar for Business Owner Persona
    Earning a primary or side income from a small business
    Business Owner

The CitiBusiness/AAdvantage Platinum Select Mastercard is best suited to small business owners who travel at least occasionally on American Airlines. Even if you fly American only once or twice a year, you’ll likely spend enough for your business on other expenses that qualify for this card’s best rewards rate, such as those for telecom expenses, to earn back the card’s $99 annual fee. (Further, that fee only kicks in after the first year, with its generous bonus.) For instance, charging $200 a month for business internet service to this card would earn you 4,800 miles, which would alone could justify the annual fee, provided you used the miles to buy American flights. 

CitiBusiness/AAdvantage Platinum Select Mastercard Bonus

If you spend at least $4,000 within the first four months of opening an account, you'll earn 65,000 American Airlines AAdvantage bonus miles. If you redeem your miles for flights on American Airlines, those bonus miles are worth 2.32 cents each, in our estimation, which gives you a total value of just over $1,500. 

Compared to other business cards with a similar annual fee, that bonus is an excellent perk, and one most businesses should find easy to earn—since it requires only $1,000 per month in spending for four months.

Keep in mind, though, that not all transactions will count toward the $4,000 minimum spend. Balance transfers, cash advances, interest fees, traveler’s checks and purchases of foreign currency do not qualify as purchases. 

Your bonus miles will typically show up on your account eight to 10 weeks after you meet the purchase requirements. The miles will be posted to the primary cardholder's account. 

You can only receive the 65,000-mile bonus if you haven't received a bonus for another CitiBusiness/AAdvantage Platinum Select account in the past 48 months. 

Rewards Earning Details

With the CitiBusiness/AAdvantage Platinum Select Mastercard, you'll earn: 

  • 2 miles per dollar spent on:
    • Cable and satellite providers
    • Phone providers
    • Eligible American Airlines purchases
    • Car rentals
  • 1 mile per dollar spent on all other purchases

If you spend a lot of money on business travel, this card can be a good option for you. You'll earn 2 miles per dollar spent on eligible American Airlines purchases. Since the miles are valued at 2.32 cents each, you could justify the $99 annual fee by spending $2,134 per year on qualifying travel. 

Rewards Redemption Details

This credit card allows you to redeem your rewards in several different ways: 

  • Air travel
  • Flight upgrades
  • Car rentals
  • Hotel stays
  • Admirals Club membership
  • Gift cards
  • Donations

To get the most value from your miles, redeem them for air travel. When you do so, your miles are worth 2.32 cents each. By contrast, redeeming your miles for gift cards will give you the lowest value, of just 0.4 cents each. 

You can redeem your miles for travel on American Airlines or on the carrier's Oneworld partners. American is both a domestic and international carrier, but Oneworld is a network of 13 airlines that provide service to over 1,000 destinations worldwide, so you can also potentially use your miles to travel to even more international locations. 

How to Maximize Your Rewards

To maximize your rewards, use the CitiBusiness/AAdvantage Platinum Select Mastercard for all of your American Airlines purchases, as well as any telecommunications expenses you incur for your business. 

For example, let's say you charge to the card $2,000 per year on business flights and $5,000 on annual phone and internet expenses. You'd earn 2 miles per dollar spent on those purchases, earning you a total of 14,000 miles. With every mile worth about 2.3 cents, by our valuation, those annual rewards should easily justify the card’s $99 annual fee.

The CitiBusiness/AAdvantage Platinum Select Mastercard also extends its best 2-miles-per-dollar spent rewards to rental-car expenses. You may, however, want to use another payment option for these, since this one lacks the rental-car insurance coverage that probably comes many other cards in your wallet. 

You could, of course, also use the card for all other business expenses. With rewards of a mile per dollar spent, these transactions will earn you a respectable 2% or so when used to buy American Airlines flights.    

CitiBusiness/AAdvantage Platinum Select Mastercard's Outstanding Benefits

This card offers some excellent bonus features, including: 

  • American Airlines Companion Certificate: After spending $30,000 or more on qualifying purchases with this card, you will be awarded a domestic economy fare American Airlines Companion Certificate. With the certificate, you can book a round-trip economy flight for your companion for just $99, plus government taxes and fees. 
  • First checked bag free: When traveling on domestic flights with American Airlines, you may check one bag free of charge. Up to four companions traveling with you can also check one bag each for free. 
  • Preferred boarding: As a cardholder, you can board after priority boarding is complete, but before the rest of economy boarding. 
  • 25% savings on in-flight wi-fi: Use your card to buy wi-fi on American Airlines flights and receive a 25% discount. 
  • 25% savings on in-flight food and beverage purchases: Get a discount when you use your card to buy drinks, meals, or snacks while on the plane. 

Standard Benefits

  • Authorized user cards, issued at no charge
  • Personal business assistant

Cardholder Experience

According to the J.D. Power U.S. Credit Card Satisfaction Study, Citi was ranked sixth out of 11 national card issuers in terms of customer satisfaction. Citi’s ranking was just below the national issuer average. 

If you have a question, you can reach customer service via phone 24/7, which is standard in the credit card industry. You can also chat with someone through your online account, which isn’t a feature you’ll get with some other major card issuers. You can manage your account online or through Citi’s mobile app.

Security Features

The card offers security features that are standard for the industry. The card includes chip technology and digital wallets, allowing you to shop within apps and in stores while protecting your card information. 

CitiBusiness/AAdvantage Platinum Select Mastercard Fees to Watch Out For

This card has few fees. It lacks a foreign transaction fee, which makes it a smart choice if you travel outside of the United States. 

Our Verdict

If you’re a small business owner that travels on American Airlines, the CitiBusiness / AAdvantage Platinum Select Mastercard can be a smart addition to your wallet. For a relatively low annual fee, you’ll earn miles on your travel purchases and telecommunications expenses that can be exchanged, at a favorable value, for flights on American. 

This card isn't a bad choice for all other transactions, provided you use its rewards to obtain American Airlines flights—all other redemption options being at best mediocre. If you don’t need or want to earn that many award flights, however, you should consider pairing this card with another business rewards card that has no annual fee and offers healthy cash rewards on all purchases. By using the second card for routine business spending and the CitiBusiness/AAdvantage Platinum Select Mastercard for airfare and telecommunications expenses, you could get the most value for your money.

For example, the Discover It Business has no annual fee and earns a flat 1.5% cash-back on all purchases—although note that it, like the CitiBusiness/AAdvantage Platinum Select Mastercard, does not provide insurance coverage for car rentals. 

Looking for more benefits than the CitiBusiness/AAdvantage Platinum Select Mastercard provides? Consider the Spark Miles from Capital One. It has a $95 annual fee after the first year, but you’ll get up to $100 as a fee credit (every four years) for TSA PreCheck or Global Entry applications, car-rental insurance coverage, and travel and emergency assistance.

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For CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
on Citi's Secured Site.
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CURRENT CARD
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
overall rating
3.7
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 24.99% variable
Annual Fee $0 for the first year, then $99
Rewards Earning Rate Earn 2 miles per $1 on eligible American Airlines, telecommunication, cable and satellite providers, car rentals and gas station purchases. Earn 1 mile per $1 on other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.