CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

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Getting to Know the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is a co-branded business airline rewards card designed with the frequent traveler in mind. The card features no annual fee for the first year, followed by a $99 fee for each year after that.

Purchases with the CitiBusiness® / AAdvantage® Platinum Select® earn AAdvantage® miles, including 2 miles for every dollar spent with American Airlines or at a variety of service providers in a wide array of sectors (see below), while all other purchases earn 1 mile for every dollar spent. New account holders can also gain 65,000 bonus miles when they make $4,000 in purchases within the first 3 months of opening their account.

How It Works

Cardholders can expect the following from the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®:

   How to Earn Rewards:

  • Fly with American Atlantic: Cardmembers can earn 2 AAdvantage® miles for every dollar companies spend on flights with American Airlines.
  • Flying with Oneworld Partner Airlines: AAdvantage® miles can also be earned when booking work travel through any Oneworld partner carrier.
  • Everyday Business Spends: Using the card, companies can earn 2 miles for every dollar spent on purchases with telecommunications merchants, cable and satellite providers, gas stations, and car rental agencies. The card makes it easy to earn miles when paying the type of bills that help keep companies moving.
  • Everyday Purchases: Businesses can also earn 1 AAdvantage® mile for every other dollar spent on purchases.
  • Shopping with American Airline or Oneworld Partners: AAdvantage® members can use their CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® to earn miles when shopping with Oneworld and American Airlines partner retailers
  • Booking Business Trips or Hotels with Oneworld or American Airlines Partners: AAdvantage® members can use their CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®to book hotel stays and rental cars with Oneworld or American partners.

       How to Redeem Miles:

  • Travel: AAdvantage® members can use their miles for travel on American Airlines, American Eagle®, Oneworld® airlines, and partner airlines on flights to over 1,000 destinations worldwide.
  • Seat Upgrades: AAdvantage® members can use their bonus miles to purchase seat upgrades on American Airlines, British Airways, or Iberia flights, or flights with other Oneworld carriers.
  • Status Upgrades: AAdvantage® members can use their miles for purchasing or renewing Admiral Club status, including lounge access worldwide.
  • Vacations: Purchase vacations through Oneworld partners with miles.
  • Car Rentals: Miles are applicable for vehicle rentals at over 500 locations worldwide.
  • Hotels: Miles can be used towards bookings with over 150,000 properties in over 500 locations worldwide.
  • Gift Miles: Gift miles to friends and family members.
  • Spending with Oneworld Partners: Members can apply miles towards qualifying retail partners for goods and services including magazine subscriptions, newspapers, gift cards, and theft prevention services.

Today’s Bonus Offer

Earn 65,000 AAdvantage® bonus miles when you spend $4,000 within the first 3 months of opening the account.

Airline and Airport Perks:

  • Preferred Boarding: Cardholders and authorized users receive preferred boarding when flying with American Airlines.
  • Free Baggage: Cardholders receive their first checked bag free on all American-operated domestic flights. These savings can really help frequent business travelers lower their bottom lines.
  • In-Flight Discounts: Cardholders save 25% in-flight savings on in-flight WiFi when they use their CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.
  • Earn a Companion Certificate: Cardholders can earn a complimentary companion certificate – good for domestic, main-cabin travel with American Airlines – when they spend $30,000 in purchases with their card in a calendar year and renew their membership.

Cardholder Protections:

  • Digital Wallet: Cardholders and authorized users can save their Ccarddigitally using digital wallet technology. The technology allows for safety and security, as well as for paying for purchases online, through apps, or with millions of retailers worldwide.
  • Fraud Protection: Cardholders have complete protection from all fraudulent or unauthorized transactions made on their Mastercard®.

Additional Benefits:

  • No Foreign Transaction Fees
  • Online Account Summaries
  • Personal Business Assistant: Mastercard®offers companies the perk of 24/7 assistance with hotels, dining, and other business travel arrangements worldwide.

The Plane Facts

Can you expect a smooth flight from the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® or will there be turbulence?

  • Annual Fee: The card has an annual fee of $99 per year.  This fee is waived for the first year of membership, however. The annual fee is a standard rate for similarly positioned business airline reward cards. The addition of one year for free is an excellent perk – especially with the rewards this card offers.

Breaking Down the APR:

  • Purchase APR: The card features a purchase APR of around 18% for those with exceptional credit. This is a solid and competitive rate when compared with other business rewards cards.
  • Balance Transfer APR: The card’s balance transfer APR is the same as the purchase APR.
  • Penalty APR: The card has a penalty APR of up to 29.99%, though the actual rate will vary based on the credit score of the company – as well as the Prime Rate.

Breaking Down the Fees:

  • Cash Advance: The fee for a cash advance is either $5 or 3% of the advance, whichever is greater.
  • Foreign Transaction: This card features no foreign transaction fees
  • Late Payment: If you make a late payment, expect a penalty fee of up to $37.
  • Returned Payment: A fee of up to $27.

The Perks That Make the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Worthwhile:

What are some of the Pros that set this card ahead of the rest?

  • Good Intro Offer: The card offers pretty strong introductory offers for new account holders. By spending $4,000 in purchases in the first 3 months, members get 65,000 bonus miles. New account holders also benefit from no annual fee for the first year.
  • Rewards Flexibility: AAdvantage® miles are very flexible, allowing members to redeem them for travel with any Oneworld carrier, or vacations, cruises, hotels, gift cards, and more.
  • Great Airport Perks: Preferred boarding and one free checked bag on domestic American Airlines operated flights is an excellent perk for companies that often have employees traveling for work as the savings these benefits afford can quickly add up.
  • Employees Help You Earn: One of the great features of the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is that authorized card users can help you rack up rewards extra quickly. With each additional user, your ability to earn AAdvantage® miles also increases – making rewards easier to gain!
  • No Foreign Transaction Fees: Cardholders pay no foreign transaction fees. This makes this card a powerful tool for employers and business travelers alike.

Potential Turbulence with the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®:

What are some cons that take the wind from beneath this card’s wings?

  • Not Much: There isn’t a whole lot to complain about with the card. Sure, there are other business cards that offer a whole lot more, but not for such a low annual fee.

Thoughts Before Takeoff

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is a quality business rewards card for those who frequently travel with American Airlines or another Oneworld carrier. While many rewards cards offer companies far more impressive rewards, those rewards come with an impressive price tag. The CitiBusiness® Platinum Select® World Mastercard®, on the other hand, has an annual fee of just $99 – although this fee is waived for the first year of membership. For this reasonable price, companies earn 2 miles for every dollar spent with American Airlines or at a whole host of other services, such as telecommunications merchants, cable and satellite providers, gas stations, and with car rental agencies; all other purchases earn 1 mile per dollar spent.

When traveling with the card, businesses receive their first checked bag free of charge on domestic American-operated flights. They’ll also get preferred boarding – saving both time and money. With a healthy regular spend, cardholders also receive a complimentary companion fare . This task is made easier with the addition of other authorized users.

Overall, for the price, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is well worth a look for small to medium-sized companies that frequently travel for business and want to earn good rewards for the purchases that help them operate every day.

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