CitiBusiness / AAdvantage Platinum Select World Mastercard Review
Is It the Best Credit Card for Your Startup?
Last Updated: By TRUiC Team
Citi has been a trusted and reliable financial institution for years, and they’ve partnered with American Airlines to produce the CitiBusiness / AAdvantage Platinum Select World Mastercard. The business card offers plenty of benefits and rewards that make it an attractive offer among other cards in a similar class.
In this review, you'll learn what rewards, interest rates, fees, and eligibility requirements are associated with the CitiBusiness / AAdvantage Platinum Select World Mastercard as well as how it stacks up to its competitors.
Recommended: Apply now for a CitiBusiness / AAdvantage Platinum Select World Mastercard.
CitiBusiness / AAdvantage Platinum Select World Mastercard Eligibility Requirements
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.
Pros and Cons of CitiBusiness / AAdvantage Platinum Select World Mastercard
Pros of CitiBusiness / AAdvantage Platinum Select World Mastercard
- Free checked bags
- Preferred boarding
- High rewards rate
- Intro bonus based on spending
Cons of CitiBusiness / AAdvantage Platinum Select World Mastercard
- Has an annual fee
- Requires high credit score
Should I Apply for the Citibusiness /AAdvantage Platinum Select World Mastercard?
We recommend Citibusiness /AAdvantage Platinum Select World Mastercard for it's premium travel rewards.
CitiBusiness / AAdvantage Platinum Select World Mastercard Fees and Features
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:
Rewards and Benefits
- 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.
How does CitiBusiness / AAdvantage Platinum Select World Mastercard Compare?
The CitiBusiness AAdvantage Platinum Select World Mastercard has the benefits and rewards to make it appealing for any size business. It may not have the best benefits and rewards for your business, though.
Below is a comparison of the Platinum Select World Mastercard and the Delta SkyMiles Gold Business American Express Card so your business can make the best choice for traveling.
CitiBusiness / AAdvantage Platinum Select World Mastercard
$99 Annual Fee
Your business can earn a $99 domestic travel credit with the American Airlines Companion Certificate if it spends $30,000 in a card membership year.
Best for: Startups exclusively using American Airlines for travel with excellent credit history
Delta SkyMiles Gold Business American Express Card
$99 Annual Fee
The free checked bag offer is available for up to eight traveling companions.
Best for: Startups who fly Delta but don't have an excellent credit history
Final Thoughts on CitiBusiness / AAdvantage Platinum Select World Mastercard
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.
Frequently Asked Questions
What credit score do you need for Citi AAdvantage Platinum Select World Elite Mastercard?
A business will need a score of at least 720 to be considered for the CitiBusiness / AAdvantage Platinum Select World Mastercard. This is considered an excellent rating which requires monitoring and managing your business credit history. If your business does not currently have an excellent credit rating or any credit history at all, it would be best to apply for a less restrictive card first.
Is a Citi AAdvantage card a Visa or Mastercard?
The CitiBusiness / AAdvantage card is a Mastercard that works with businesses that accept Mastercard as payment. The card works like any other credit card, which applies a variable interest rate on all unpaid balances. Interest rates are determined by the credit history of the business.
Can you use the Citi AAdvantage card anywhere?
Because the CitiBusiness / AAdvantage card is a Mastercard, it is accepted at any participating merchants who accept Mastercard as a form of payment. This can include your home country but also any country in the world. You will need to contact Citi if you plan on traveling internationally and using the card to ensure it does not get placed on hold due to potential fraud.