Preloader Image 1 Preloader Image 2

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: review

The CitiBusiness®/AAdvantage® Platinum Select® Mastercard® is one of the two American Airlines small business credit cards. This card comes with a nice set of benefits when flying American Airlines for a reasonable annual fee of $99, waived for first 12 months.

Cardholders will get a free checked bag when flying domestically, preferred boarding and a 25% savings on inflight purchases⁠—such as food, beverage, and Wi-Fi. American Airlines charges $30 for the first checked bag on domestic flights. Since the checked bag benefits extend to up to five people on the same reservation, one flight with your family would knock out the annual fee ($99, waived for first 12 months).

Pros & Cons


  • Earn 2 AAdvantage miles per dollar spent on eligible purchases from American Airlines, cable and satellite providers, gas stations, car rentals and select telecommunications merchants.
  • Earn 1 mile per dollar spent on all other purchases
  • Earn 65,000 bonus miles after spending $4,000 in purchases within the first 4 months of account opening as a new cardholder.
  • Excellent travel perks with AA
  • Large network of partner airlines via OneWorld Alliance
  • No foreign transaction fee


  • No intro APR offer
  • Doesn’t give access to American Airlines’ Admirals Club airport lounges
  • $99 annual fee (waived first year)

Rates, fees & offers

  • Annual fee: $99, waived for first 12 months
  • Bonus offer: 65,000 American Airlines AAdvantage® bonus miles
  • Intro APR: N/A
  • Ongoing APR
    APR: 15.99% – 24.99% Variable APR
    Penalty APR: up to 29.99%
    Cash Advance APR: 25.24%
  • Balance transfer fee: N/A
  • Foreign transaction fee: None


Business perks

  • Expand your earning potential: Increase your earning potential with authorized user cards for your employees and earn AAdvantage® miles on purchases made with each card.
  • Personal Business Assistant: Get 24/7 help with travel, hotel and dining arrangements.
  • Online Account Summaries: View monthly billing statements and account summaries online to reduce, streamline and expedite your accounting.

American Airlines Companion Certificate

Cardmembers can also earn an American Airlines Companion Certificate toward domestic travel by spending $30,000 on purchases in a cardholder year. This certificate will allow a companion to travel with you for a cost of $99 plus taxes and fees. The certificate is limited to economy class within the contiguous 48 states.

Flight perks

  • First Checked Bag Free: First checked bag free on domestic itineraries to reduce travel costs and boost your bottom line.
  • Preferred Boarding: Enjoy preferred boarding on American Airlines flights so you can save time and be more productive.
  • 25% Savings on Inflight Food and Beverage: Receive 25% savings on food and beverage purchases when you use your card on American Airlines flights.
  • 25% Savings on Inflight Wi-fi: Get 25% savings on wi-fi when you use your card on American Airlines flights.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

  • Social Security Number
  • Gross income
  • Employer name (if applicable)
  • Rent/mortgage amount