CitiBusiness / AAdvantage Platinum Select Mastercard

Earning Rates

Key Benefits

All Benefits

• Welcome offer of 65,000 American Airlines AAdvantage bonus miles after $4,000 in eligible purchases within the first 4 months of account opening (current public offer cycle); at TPG's published valuation of 1.65 cents per AAdvantage mile this welcome offer is worth approximately $1,073 of redemption value (per the One Mile at a Time Citi/AAdvantage Business review and the issuer Citi/AAdvantage Business product page on citi.com; offer cycles have historically ranged from 65,000 to 75,000 miles on elevated public promotions, so prospective applicants should confirm the live offer value on the Citi application page before applying)
• $0 introductory annual fee for the first 12 months of card membership, then $99 annual fee billed on the first cardmember statement after the first anniversary, per the issuer Citi/AAdvantage Business World Elite Mastercard product page (pdpHeadline disclosure on citi.com) and the One Mile at a Time review of the card
• 2 AAdvantage miles per $1 spent on eligible American Airlines purchases (tickets and other items purchased directly from American Airlines and billed by American as merchant of record, including AA.com, AA reservations, and AA airport ticket counters), per the issuer Citi/AAdvantage Business product page benefits grid and the Cardmember Agreement Reward Rules
• 2 AAdvantage miles per $1 spent at telecommunications merchants and cable and satellite TV/internet service providers (merchants classified by merchant category code as telecommunications, cable, or satellite), per the issuer Citi/AAdvantage Business product page benefits grid
• 2 AAdvantage miles per $1 spent at car rental merchants (merchants classified by merchant category code as auto rental agencies; this is a card-level 2X category and is broader than just American Airlines partner rentals) and at gas stations (merchants classified by merchant category code as gas stations, excluding warehouse clubs, supermarkets, and superstores that sell gas), per the issuer Citi/AAdvantage Business product page benefits grid
• 1 AAdvantage mile per $1 spent on all other eligible purchases, per the issuer Citi/AAdvantage Business product page benefits grid and the Cardmember Agreement Reward Rules
• Free first checked bag on domestic American Airlines-operated itineraries for the primary cardmember and up to 4 companions traveling on the same reservation when the cardmember's AAdvantage number is in the reservation; companions can be employees or clients, and the benefit applies whether or not the ticket itself was purchased with the card (per the Citi/AAdvantage Business product page FAQ section). Per American's published $40 one-way domestic first checked bag fee, this represents up to $400 of value on a five-person roundtrip; benefit does not apply to oversized or overweight bags or to flights operated by partner airlines
• Preferred Boarding (Group 5) on American Airlines-operated flights for the primary cardmember and up to 4 companions traveling on the same reservation when the cardmember's AAdvantage number is in the reservation; for an Authorized User (employee cardholder) to receive the benefit they must be one of the 4 companions traveling on the primary cardholder's reservation, per the Citi/AAdvantage Business product page FAQ section
• 25% statement credit savings on eligible inflight food, beverage (including alcoholic beverages where permitted), and Wi-Fi purchases made on American Airlines-operated flights when the Citi/AAdvantage Business Mastercard is used; cardmembers pay the full amount at the time of purchase and receive the 25% rebate as a statement credit within 2-3 billing cycles, per the issuer Citi/AAdvantage Business product page (inflight savings benefit tile) and the One Mile at a Time review
• $99 American Airlines companion certificate after spending $30,000 or more in purchases that post to the cardmember's Citi/AAdvantage Business billing statement during the credit cardmembership year, with cardmembership renewed for the following year; the certificate allows one companion to travel on a round-trip domestic main cabin American Airlines-operated itinerary with the cardmember for a $99 ticketing fee plus government taxes and fees (typically $21.60 to $43 on a domestic roundtrip), per the issuer Citi/AAdvantage Business product page FAQ section and One Mile at a Time review (cardmember pays the full fare for their own ticket on the same itinerary; the certificate is non-transferable and has blackout dates and routing restrictions documented in the certificate terms)
• AAdvantage Business loyalty program enrollment: cardmembers (primary and employees) earn 1 Loyalty Point per $1 spent on eligible purchases of their card, with Loyalty Points counting toward American Airlines AAdvantage elite status (AAdvantage Gold at 40,000 Loyalty Points per status-qualification year, Platinum at 75,000, Platinum Pro at 125,000, and Executive Platinum at 200,000); on top of card-spend Loyalty Points, primary cardmembers also earn AAdvantage Business program Loyalty Points when their company is registered in the AAdvantage Business program, per the issuer Citi/AAdvantage Business product page FAQ section and One Mile at a Time review
• Employee cards (additional cardholders) issued at no additional cost; each employee cardholder earns AAdvantage miles for the business on their card purchases and earns Loyalty Points toward their own individual AAdvantage status (Loyalty Points earned by employees post to the employee's individual AAdvantage account, not the primary cardholder's account) once both the employee and the primary cardmember are registered in the AAdvantage program and the AAdvantage Business program, per the Citi/AAdvantage Business product page FAQ section and One Mile at a Time review (Citi explicitly does not charge employee-card fees on this product, which is unusual among business co-brand cards that often charge $50 to $99 per employee card)
• No foreign transaction fees: the issuer Citi/AAdvantage Business World Elite Mastercard charges a 0% foreign purchase transaction fee, per the Pricing Details disclosure on the citi.com Citi/AAdvantage Business product page and the One Mile at a Time review
• AAdvantage miles earned on the card post directly to the cardmember's American Airlines AAdvantage account and never expire as long as the cardmember has AAdvantage account activity (any earning or redemption) at least once every 24 months, per the AAdvantage Program terms referenced by the Citi/AAdvantage Business product page
• AAdvantage miles can be redeemed for award flights on American Airlines, oneworld alliance carriers (including British Airways, Iberia, Qatar Airways, Cathay Pacific, Japan Airlines, Qantas, Finnair, and others), and AAdvantage non-alliance partners (Etihad, Gulf Air, GOL, JetBlue, Fiji Airways), as well as for seat upgrades, car rentals, hotel stays, vacation packages, and AAdvantage shopping, per the Citi/AAdvantage Business product page benefits grid and the AAdvantage Program terms
• Citi/AAdvantage Business is a World Elite Mastercard issued by Citibank, N.A. pursuant to a license from Mastercard International Incorporated, per the Pricing Details disclosure on the Citi/AAdvantage Business product page (Citi markets the card as a World Elite Mastercard but does not enumerate Mastercard network travel protections in its card disclosures; protections not called out by the issuer should not be assumed to apply to this co-brand product)
• $0 liability for unauthorized charges: cardmembers are not responsible for unauthorized purchases made on the account, per Citi's Identity Theft Solutions disclosure and the Citi/AAdvantage Business product page
• Travel and emergency assistance services: Citi provides referral assistance for travel and emergency services (lost passport replacement guidance, lost luggage assistance, medical and legal referrals) at no cost, but cardmembers are responsible for the cost of any third-party services arranged, per the Citi/AAdvantage Business Cardmember Agreement Benefits disclosures
• Airport lounge access (Admirals Club or third-party lounge network membership): Not Offered (the Citi/AAdvantage Business product page does not list any complimentary Admirals Club membership, Admirals Club day passes, Priority Pass membership, or other lounge access benefit; Admirals Club access is a perk of the higher-tier Citi/AAdvantage Executive World Elite Mastercard and is not extended to the Citi/AAdvantage Business product, per the One Mile at a Time review)
• Global Entry or TSA PreCheck application fee credit: Not Offered (the Citi/AAdvantage Business product page does not list a Global Entry, TSA PreCheck, or NEXUS application fee statement credit among the card's benefits; this benefit is reserved for the higher-tier Citi/AAdvantage Executive World Elite Mastercard, per the One Mile at a Time review)
• Annual American Airlines flight discount voucher (the $125 voucher available on the personal Citi/AAdvantage Platinum Select after $20,000 in cardmember-year spend): Not Offered on the business card variant (the Citi/AAdvantage Business product page does not advertise an annual flight discount voucher; the business product's analogous high-spend perk is the $99 companion certificate at $30,000 cardmember-year spend instead, per the issuer product page and One Mile at a Time review)
• AAdvantage miles redemption rebate (the 10% miles-back-on-redemption perk available on the personal Citi/AAdvantage Platinum Select): Not Offered on the business card variant (the Citi/AAdvantage Business product page does not advertise a 10% AAdvantage miles redemption rebate; this benefit is restricted to the personal Citi/AAdvantage Platinum Select tier per the issuer product page comparison and One Mile at a Time)
• Cell phone protection: Not Offered as called out by the issuer (the Citi/AAdvantage Business product page and the Pricing Details disclosure do not list cell phone protection among the card's benefits; while Citi added cell phone protection to a small number of other co-brands and proprietary cards, it has not elected to include cell phone protection on the Citi/AAdvantage Business product per the One Mile at a Time review)
• Trip cancellation, trip interruption, or trip delay insurance: Not Offered as called out by the issuer (the Citi/AAdvantage Business product page and the Pricing Details disclosure do not list trip cancellation, interruption, or delay insurance among the card's benefits; Citi discontinued most travel insurance benefits on its consumer cards in 2019, and this business card is not an exception per One Mile at a Time)
• Baggage delay or lost luggage reimbursement: Not Offered as called out by the issuer (the Citi/AAdvantage Business product page and the Pricing Details disclosure do not list baggage delay or lost luggage insurance among the card's benefits; this benefit is not offered on the Citi/AAdvantage Business product per One Mile at a Time)
• Primary auto rental collision damage waiver: Not Offered as called out by the issuer (the Citi/AAdvantage Business product page and the Pricing Details disclosure do not list primary or secondary auto rental collision damage waiver; Citi discontinued its auto rental insurance benefit on consumer cards in 2019 and this benefit is not offered on the Citi/AAdvantage Business product per One Mile at a Time)
• Purchase protection or extended warranty: Not Offered as called out by the issuer (the Citi/AAdvantage Business product page and the Pricing Details disclosure do not list purchase protection or extended warranty among the card's benefits; Citi discontinued these benefits on most consumer cards in 2019 per One Mile at a Time)
• Concierge service: Not Offered as called out by the issuer (the Citi/AAdvantage Business product page does not advertise a complimentary concierge service; while World Elite Mastercard is the network tier and includes Mastercard Concierge as a network-optional benefit, Citi has not elected to call this out on the Citi/AAdvantage Business product per One Mile at a Time)
• Transfer partners outside the AAdvantage ecosystem: Not Offered (the Citi/AAdvantage Business earns AAdvantage miles that go directly to the cardmember's American Airlines AAdvantage account; there are no Citi ThankYou Rewards, Chase Ultimate Rewards, Amex Membership Rewards, or Capital One Miles transfer options on this co-brand product per the issuer Reward Rules)
• Elite-night credits, complimentary hotel status, or rental car elite status: Not Offered (the Citi/AAdvantage Business product page lists no complimentary hotel elite status, no rental car elite status, and no elite-night credits among the card's benefits per the One Mile at a Time review)
• Eligibility consideration: the Citi/AAdvantage Business card is subject to Citi's American Airlines co-brand bonus eligibility rules, which historically have prevented cardmembers from earning a welcome bonus on the same Citi AAdvantage product if they earned a bonus on that specific product within the prior 48 months; the business and personal AAdvantage products are tracked separately, so earning a bonus on the personal Citi/AAdvantage Platinum Select does not block a bonus on the Citi/AAdvantage Business product, per One Mile at a Time and confirmed by the Citi Cardmember Agreement application terms