CitiBusiness / AAdvantage Platinum Select World Mastercard Review

Businesses of any size will enjoy the rewards and benefits the CitiBusiness card has to offer. In order to be approved, you'll want to ensure your business meets all the eligibility requirements before a hard inquiry is placed on your business credit history. 

Here are all the eligibility requirements for the CitiBusiness / AAdvantage Mastercard: 

• Must be 18 years or older
• Must be a resident or citizen of the US 
• Must have an excellent credit score of 720–850 

Although this card does not have many eligibility requirements, it does expect high credit scores for all applicants. If your business doesn’t have a high credit score or no business credit history at all, it's better to apply for a starter card that will give you better odds of approval before applying for the AAdvantage Platinum Select Mastercard. 

Anyone is open to apply — even if their credit is not ranked as excellent. The consequence is your business won't be approved, and you'll have a hard inquiry placed on your credit history. This will affect future applications and lower your overall credit score slightly.

• Free checked bags
• Preferred boarding
• High rewards rate
• Intro bonus based on spending

• Has an annual fee
• Requires high credit score

The CitiBusiness / AAdvantage Platinum Select World is great for businesses that plan on exclusively traveling with American Airlines. The bonus sign-up offer and additional rewards benefits add significant value on top of the traveling perks. 

Here are the rewards, interest rates, and fees you can expect from the CitiBusiness card:

• 65,000-mile signup bonus for spending $4,000 in the first four months
• Two AAdvantage miles for every $1 spent on American Airlines purchases
• Two AAdvantage miles per $1 spent on telecommunication merchants, cable and satellite providers, car rental merchants, and gas stations
• One AAdvantage mile per $1 spent on all other purchases
• Domestic American Airlines Companion Certificate after spending $30,000 on purchases in a card membership year
• Free checked bags

• Variable APR: 15.99%–24.99%

• Annual Fee: $0 for the first year, then $99 thereafter

The free checked bags option alone makes this card worth it if your business frequently flies with American Airlines. With two roundtrips, you'll get enough value to balance out the annual fee of $99. On top of that, the signup bonus will provide almost $900 worth of value if you can meet the required spending limit.

The reward system doesn't exceed expectations, but it does match up at a 2:1 point-to-dollar ratio with other cards in a similar class. There is, unfortunately, no intro APR offer, so you'll immediately gain interest on any unpaid balance. The good news is you do get a free year of using the card before the $99 annual fee kicks in.

Business travelers will find plenty of benefits worth applying for in the CitiBusiness AAdvantage Platinum Select World Mastercard. Free checked bags, high intro bonus offers, decent reward tiers, and a potential companion pass are all attractive offers for any business. 

Although there is an annual fee, you can easily balance out the fee from the benefits the card offers. For businesses that fly American Airlines often and have excellent credit scores, the Platinum Select World Mastercard is a great option.