CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Quick Snapshot

• Annual Fee: $0 intro for the first year, then $99
• APR: 21.24%-29.24% variable
• Rewards: 2X AAdvantage miles on eligible American Airlines purchases, telecommunications, car rentals, and gas stations; 1X on everything else
• Bonus: 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in the first 4 months
• Best For: Business owners who fly American Airlines and want to earn miles on common business expenses
• Credit Needed: Good to Excellent (670+)

Overview

The CitiBusiness AAdvantage Platinum Select is the business version of the popular personal AAdvantage Platinum Select card, tailored for small business owners who fly American Airlines. It earns 2X AAdvantage miles on AA purchases, telecommunications and cable services, car rentals, and gas stations, with 1X on everything else. The 2X categories are well-suited to common business expenses.

The 65,000-mile welcome bonus after $4,000 in spending within 4 months is more generous than the personal version's 50,000-mile bonus, and the slightly longer spending window gives business owners more time to meet the requirement. The bonus alone is worth approximately $845 in AA flights, making this one of the strongest business airline card offers available.

Business cardholders enjoy the same AA travel perks as the personal version: free first checked bag on domestic AA itineraries, preferred boarding, and 25% savings on in-flight purchases. The first-year annual fee waiver lets you capture the full bonus and test the benefits before the $99 ongoing fee applies. Because this is a business card, the credit line does not appear on your personal credit report, preserving your personal credit utilization ratio.

APR Breakdown

• Purchase APR: 21.24%-29.24% variable
• Balance Transfer APR: 21.24%-29.24% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: 29.99% variable

Note: Variable APR of 21.24%-29.24% based on creditworthiness. No intro APR on purchases or balance transfers.

Benefits Overview

Business Miles Earning

• 2X AAdvantage miles on eligible American Airlines purchases
• 2X miles on telecommunications and cable services
• 2X miles at car rental agencies
• 2X miles at gas stations
• 1X mile on all other business purchases

American Airlines Perks

• First checked bag free on domestic AA itineraries
• Preferred boarding on all American Airlines flights
• 25% savings on in-flight food, beverages, and Wi-Fi
• Reduced mileage awards on select economy flights
• Inflight Wi-Fi credits on AA domestic flights

Business Card Benefits

• $0 annual fee for the first year, then $99
• Does not report to personal credit bureaus (only business bureaus)
• Employee cards at no additional cost
• Year-end spending summary for tax preparation
• No foreign transaction fees

Rewards & Points

• 2X AAdvantage miles on AA purchases, telecom, car rental, and gas
• 1X AAdvantage mile on all other purchases

Miles are deposited into your personal AAdvantage account. Employee card spending also earns miles to the primary cardholder's account. All miles can be redeemed for AA flights, partner flights, upgrades, and more.

Welcome Bonus

Earn 65,000 American Airlines AAdvantage bonus miles after spending $4,000 in purchases within the first 4 months of account opening. At an average value of 1.3 cents per mile, these miles are worth approximately $845 in American Airlines flights. The 4-month window is more generous than most personal card offers.

Fees Summary

• Annual Fee: $0 introductory for the first year, then $99
• Balance Transfer Fee: 5% of each transfer (min $5)
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $41
• Returned Payment Fee: Up to $41
• Employee Card Fee: $0

Who This Card Is Best For

Ideal For

• Business travelers on AA who fly American Airlines for work and want to maximize miles
• Small business owners who spend on telecom, gas, and car rentals as part of business operations
• Credit-conscious entrepreneurs who want a card that does not affect personal credit utilization
• Mile maximizers who want a larger 65,000-mile bonus than the personal version offers

Not Good For

• Non-AA business travelers who fly other airlines for business trips
• Non-business applicants who do not have a legitimate business or side business
• Low spenders who cannot meet the $4,000 spending requirement in 4 months

Key Pros & Cons

Pros

• 65,000-mile welcome bonus is larger than the personal Platinum Select
• 4-month spending window is more generous than the personal card's 3 months
• 2X on telecom, car rental, and gas are relevant business categories
• Free checked bag and preferred boarding on AA flights
• Does not report to personal credit bureaus
• $0 annual fee the first year
• Employee cards at no additional cost, and their spending earns miles for you
• No foreign transaction fees for business travel abroad
• Year-end spending summary simplifies tax preparation
• 25% savings on in-flight purchases

Cons

• $99 annual fee after the first year
• 1X on non-bonus business purchases is below average
• Miles are locked into the AA/oneworld ecosystem
• No lounge access at this tier (upgrade to the Executive for that)
• Requires a business to apply (sole proprietorship qualifies)
• High APR starting at 21.24%
• No intro APR on purchases or balance transfers
• No broad spending bonuses like dining or office supplies

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value: $1,863 ($845 bonus + $1,018 in miles and bag savings - $0 fee). Ongoing annual value of $919 ($1,018 - $99 fee). Business card spending does not impact personal credit utilization.

Should You Get This Card?

You Should Get It If...

• You own a business and fly American Airlines for work travel
• You want a larger welcome bonus than the personal AAdvantage Platinum Select
• You spend on telecom, car rentals, and gas as part of business operations
• You want AA miles earning on business expenses without affecting personal credit
• You check bags on AA flights and want the free bag benefit
• You want employee cards that earn miles to your account at no extra cost

You Should Skip It If...

• You do not have a legitimate business or side business
• You fly airlines other than American Airlines for work
• You prefer flexible business rewards points over airline-specific miles
• You want lounge access included with your business card
• You prefer a business card with broader category bonuses like dining and office supplies
• You cannot meet the $4,000 spending requirement in 4 months

Apply Now

Apply for CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.