Citi Business / AAdvantage Platinum Select World MasterCard

Our partner Citi has been spending a lot of time revamping their business line of credit cards and earlier today, they re-launched the Citi Business / AAdvantage World MasterCard which now includes a 50,000 mile up front bonus.  While it’s a pretty solid offering for American Airlines flyers, it’s not overly spectacular.  Here’s my interpretation of what has become a cookie cutter offering from Citi.

Citi Business / AAdvantage World MasterCard Review

Citi AAdvantage Business Platinumn Select MasterCardThe opening bonus of 30,000 American Airlines AAdvantage bonus miles is provided to all new Citi Business® / AAdvantage® Platinum Select World MasterCard® holders after they’ve spent $1,000 in purchases in the first 3 months of card membership.  That many miles is usually good for a round-trip coach ticket anywhere American Airlines flies (domestically).  This credit card also includes a variety of other benefits:

  • Designed for businesses with an established credit history
  • Earn 50,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening*
  • First checked bag is free on domestic American Airlines flights for you and up to four companions traveling with you on the same reservation*
  • Enjoy boarding Group 1 Boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications and car rental merchants –  and at gas stations after 11/15/15.
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.*

What you see above can be found in pieces of every other airline / business credit card on the market today.  Most every airline credit card now offers free checked bags, as well as a discounted companion ticket, priority boarding and double miles for select purchases.  In comparison, the Chase Sapphire Preferred Card offers a 7% bonus on rewards earned during the year which means the Citi Business / AAdvantage® Platinum Select World MasterCard® is a solid overall card but unfortunately does not excel in any one area.  🙁

Citi Business Card Pricing Details

There must be a consensus amongst banks on how to determine interest rates and fees because the Citi Business AAdvantage World MasterCard fits nicely into the mold here as well.  Cardholders can expect a variable interest rate of 15.49% Variable with an annual fee of $95, waived for the first 12 months.  Said annual fee is waived during the first year, allowing consumers to take advantage of the up front offer.

Of the major credit card issuers, Citi is one of the few which doesn’t actually brand their business line of credit cards.  You may be familiar with the “Spark” cards from Capital One and the “Ink” cards from Chase but Citibank continues to stick with independent business credit cards.  The Citi Business® / AAdvantage® Platinum Select World MasterCard® is a solid play for any business in need of travel, but for overall effectiveness, it’s not a premier option.  Consider applying only if American Airlines and it’s affiliates is your airline of choice.

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About Michael Pruser

Michael Pruser is the man. After spending a ton of money to go to the private University of Miami, Michael now enjoys spending time at home, writing personal finance articles for the world to read. His journey out of debt continues 500 words at a time.