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Many top US airlines offer a cobranded card option to help customers find the most value with their respective loyalty programs. These days, it’s not enough to focus on just one loyalty program. It’s important to keep your options open so you can jump on flight deals no matter the route and airline.

The CitiBusiness / AAdvantage Platinum Select World Mastercard offers some solid perks for loyal American Airlines customers while still providing value for less frequent AA travelers. Its current sign-up bonus is also one of the most competitive offers available for business owners.

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Who Is This Card For?

Contrary to popular belief, you don’t have to be a frequent American Airlines flyer to find value with the CitiBusiness / AAdvantage Platinum Select World Mastercard. The card definitely offers some nice perks for American customers, but the airline’s participation in the Oneworld alliance makes it a good choice even if American isn’t your first choice of airline.

As airlines continue to make it more difficult to capitalize on award tickets, it’s a good idea to be a member of a diverse group of loyalty programs. That way you can take advantage of low fares no matter which airline is offering the deal.

You don’t have to be the CEO of a Fortune500 to apply for the CitiBusiness / AAdvantage Platinum, either. Basically, any size of business can apply for a small business credit card, even if you just have a side hustle driving for Lyft or blogging. Just use your SSN on your application if you don’t currently have an Employer Identification Number (EIN).

An American Airlines Airbus A321 and Delta aircraft at the Atlanta airport (Photo by Alberto Riva/TPG)
Even if you don’t fly American Airlines on a consistent basis, this card can be useful. (Photo by Alberto Riva/TPG)

Sign-Up Bonus

For a limited time, you can earn 70,000 bonus miles after you spend $4,000 in the first 4 months of account opening. TPG valuations place AAdvantage miles at 1.4 cents each, which means this current offer is worth $980. Even if you have opened or closed a Citi / AAdvantage consumer card in the last 24 months, you are still eligible to earn the bonus.

The $99 annual fee is also waived the first year, giving a small boost to the card’s first-year value.


The card’s rewards structure is similar to its consumer counterpart, the Citi / AAdvantage Platinum Select World Elite Mastercard, but with bonus categories better suited for business owners.

You’ll earn 2x miles on American Airlines purchases, at gas stations, on purchases at telecommunications merchants, cable and satellite providers and on car rentals; you’ll earn 1x miles on all other expenses. Plus, unlike some business credit cards, there is no cap on your earning potential each year.

Probably my favorite aspect of the card’s earning capabilities is the fact that you can use employee cards to rack up points without paying a fee for each additional card.


With the sign-up bonus alone, you can fly one-way economy on American Airlines to quite a few destinations at the MileSAAver level, including Asian Region 1 and 2 (35,000 miles). American is one of the few major US airlines that still has a published award chart that shows redemption rates (for one-way flights starting in the US). However, with the possibility of American switching to dynamic pricing, redemptions could become more unpredictable.

Earn AA miles toward your next redemption on AA or one of its partners. (Photo by Benji Stawski/The Points Guy)

You can also take advantage of American’s many airline partners, which include all Oneworld airline partners as well as non-alliance partners like Etihad Airways and Hawaiian Airlines. We’ve outlined some of the best redemption options across American and partner routes on this page.


American Airlines Companion Certificate — When you spend $30,000 or more in eligible purchases each year, you’ll earn a companion certificate for domestic main cabin travel. You’ll pay $99 plus taxes and fees for the ticket, but you could still save quite a bit on long-haul domestic flights. The pass is issued upon account renewal, and your account must remain open 45 days after your anniversary date to qualify.

First Checked Bag Free on Domestic Routes — As long as your account is open seven days prior to your flight, the first checked bag for you and up to four others on the same reservation is free on domestic American Airlines or regional subsidiary itineraries that are paid for with your CitiBusiness / AAdvantage Platinum.

Preferred Boarding — You’ll be able to board right after priority boarding and before the rest of economy, which is labeled as group 5 on your ticket. Up to four people traveling on your same reservation will also be allowed to board with you. Your account must be open seven days prior to departure and still open at the time of your flight to be eligible.

Of course, if you qualify for elite status or book a first-class, business-class or premium economy ticket, you’ll have access to priority boarding (rendering this perk useless).

25% Savings on Eligible Inflight Purchases — You’ll receive a 25% discount on inflight Wi-Fi, food and beverages when you use your CitiBusiness / AAdvantage Platinum. The consumer version of this card does not include inflight Wi-Fi, so this is a nice additional perk for business card holders.

Reduced Mileage Awards — Each quarter, American Airlines releases cheap award routes available only to AAdvantage card holders. You can save anywhere between 1,000 to 7,500 miles on each round-trip itinerary. TPG releases an in-depth look at the award routes every quarter they’re released.

24/7 Personal Business Assistant — This is the business equivalent for Citi Concierge services that come with Citi’s consumer cards. You can call for assistance with travel, hotel and dining arrangements. Last year, TPG tested Citi Concierge against the Amex and Chase concierge services, and Citi came out on top when it came to dining requests and transportation logistics.

This card also comes with these travel protections:

Worldwide Travel Accident Insurance — With this policy, you’ll receive up to $1 million in compensation if you have a catastrophic accident that results in the loss of a limb, sight or hearing (the exact payment amount depends on the injury). In the case of death, your designated beneficiary will receive the payment.

Worldwide Car Rental Insurance — Your rental car is covered in the case of damage or theft up to $50,000. You must pay with your Citi card and decline the rental company’s insurance to qualify.

Travel and Emergency Assistance — You’ll have access to 24/7 assistance before or during a trip for emergency travel arrangements, medical referrals, legal referrals and more.

Which Cards Compete With the CitiBusiness AAdvantage Platinum?

This is Citi’s only AAdvantage co-branded card for small business owners, so it doesn’t have a lot of direct competition beyond the AAdvantage Aviator Business Mastercard, which offers similar benefits including 2x miles on AA purchases, a first bag checked free and a companion certificate when you spend $30,000 on the card in a calendar year. This card also offers the ability to earn 3,000 EQDs toward AAdvantage status after you spend $25,000 in a calendar year — a perk not available on the CitiBusiness card. The Aviator Business has a $95 annual fee.

One of the few business credit cards to offer a better sign-up bonus is the Ink Business Preferred Credit Card (you can earn 80,000 points after spending $5,000 on purchases in the first three months), but there’s no reason you can’t have both in your wallet. Plus, the CitiBusiness AAdvantage Platinum bonus offer is only available for a limited time, so I would argue that you should get the CitiBusiness card first, as long as you’re not worried about your Chase 5/24 standing.

Bottom Line

There is a lot to love about this card, whether or not you frequently fly American. The current sign-up bonus alone makes it a worthy card, in my opinion. You’re not getting some of the luxury benefits that some top-tier business cards offer, but that’s to be expected with a $99 annual fee.

The limited-time offer won’t last forever, so I would highly recommend adding the CitiBusiness / AAdvantage Platinum Select World Mastercard to your wallet as soon as possible.

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CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®



CARD HIGHLIGHTS: 2x miles on AA purchases plus 2x miles at gas stations and at telecommunications merchants, cable and satellite providers and car rental merchants. Get your first checked bag free.

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More Things to Know
  • Designed for businesses
  • For a limited time: Earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases in first 4 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
  • Earn 2 AAdvantage® miles per $1 spent 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*
  • No Foreign Transaction Fees*
Intro APR on Purchases
Regular APR
17.99% - 25.99%* (Variable)
Annual Fee
$99, waived for first 12 months*
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Recommended Credit

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.