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CitiBusiness / AAdvantage Platinum Select Mastercard — Full Review [2024]

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Alex Miller
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Alex Miller

Founder & CEO

297 Published Articles

Countries Visited: 34U.S. States Visited: 29

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
Edited by: Keri Stooksbury
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Keri Stooksbury

Editor-in-Chief

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With years of experience in corporate marketing and as the executive director of the American Chamber of Commerce in Qatar, Keri is now editor-in-chief at UP, overseeing daily content operations and r...
& Kellie Jez
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Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5
  • 75,000 miles

  • $0 intro annual fee for the first year, then $99

  • 21.24% - 29.99% Variable

  • Excellent (740-850)

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who travel.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3.5

With the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you get a card that gives you perks like boarding privileges, free checked bags, and discounts on inflight purchases, while also earning more miles for your next award redemption.

Card Snapshot

Welcome Bonus & Info

  • Designed for businesses
  • For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after $5,000 in purchases within the first 5 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • No Foreign Transaction Fees

Pros

  • 2x miles per $1 spent on American Airlines purchases
  • 2x miles per $1 spent on cable and satellite providers, at gas stations, on car rentals, and on select telecommunications merchants
  • 1x mile per $1 spent on all other purchases
  • Free checked bag for you and up to 4 traveling companions
  • Priority boarding
  • 25% off inflight purchases including food, beverages, and Wi-Fi
  • Companion Certificate for domestic travel after you spend $30,000 or more in purchases in a cardmember year
  • No foreign transaction fees

Cons

  • $99 annual fee
  • Does not earn transferable rewards

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Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

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  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1050+ Expert Credit Card Guides

Great Card If

  • You and your employees fly often for business
  • You prefer traveling on American Airlines
  • Your business expenses are aligned with the bonus categories

Don’t Get If

  • You travel primarily by car for business
  • You don’t have the option to fly American Airlines at your local airport

Earning Categories and Points

You’ll earn 2 miles for every dollar you spend on American Airlines purchases and select business categories, which include telecommunications services, car rentals, and purchases at gas stations!

Earn 1 mile per dollar on all other purchases. The annual fee is $99 per year, waived in year 1.

Bottom Line: The CitiBusiness Platinum Select card earns 2x miles for AA flights and purchases at telecommunication merchants, cable and satellite providers, car rental merchants, and at gas stations. Earn 1 mile per dollar spent on all other purchases.

CitiBusiness Platinum Select Card Benefits

Boarding and Baggage Benefits

Nobody likes paying extra to check their bags. With the CitiBusiness Platinum Select card, check your first bag free when traveling on domestic flights.

Up to 4 people can share this benefit if they are traveling with you under the same reservation.

Plus, get complimentary Group 5 boarding on American Airlines domestic flights.

In addition, there are no foreign transaction fees on card purchases, saving you money when you fly internationally.

Bottom Line: First checked bag free, Group 5 boarding, and zero transaction fees add great value to the CitiBusiness Platinum Select card.

More Card Benefits and Discounts

The card really is jam-packed with benefits and discounts.

First, the $99 annual fee is waived for the first year. That gives you 12 months to enjoy everything that comes with the card without having to pay for any of it!

Next, save 25% on inflight Wi-Fi. This discount can add up quickly when you fly often for business.

Reduced mileage awards provide another fantastic discount. Redeem round-trip flights with reduced mileage awards for 7,500 fewer miles and save your points for other awards.

Finally, earn an American Airlines Companion Certificate after spending $30,000 or more in purchases each card membership year.

Bottom Line: The CitiBusiness Platinum Select card comes with tons of perks like no annual fee the first year, 25% off inflight Wi-Fi, reduced mileage awards, and more.

Big Business Benefits

As a business owner, you’ll enjoy the features that come with the card.

Rack up the points faster than ever by requesting employee cards at no additional cost. That means you’ll get the miles for everyone’s purchases. You can set the credit line and cash advance limits on each employee card.

You’ll also get 24/7 access to a dedicated small business customer service team (866-458-4216) and a personal business assistant to help with travel, hotel, and dining arrangements (800-301-5584).

Another business benefit is online account summaries, which make it easier to track your quarterly and annual expenses.

Bottom Line: Business owners will find the CitiBusiness Platinum Select card has useful features such as free employee cards, dedicated customer service, and online account summaries.

Best Way To Redeem AAdvantage Miles

When you are ready to redeem your American Airlines AAdvantage miles, try to get the highest value possible.

Here are some options for redeeming points earned on the CitiBusiness Platinum Select card:

Tip #1: International flights provide the best value for your American Airlines miles. The table below shows some of the many redemptions available for main cabin and business class seats for domestic and international travel.

See the American Airlines AAdvantage site for a complete list.

SCROLL FOR MORE

Destination

Main Cabin 

Business 

48 contiguous U.S. states

12,500

25,000

Canada and Alaska

15,000

30,000

Hawaii

22,500

40,000

Central America / Mexico / Caribbean

17,500

27,500

Europe

22,500

30,000

Tip #2: Save 7,500 miles when booking round-trip domestic travel using the MileSAAver rate. You must call to book your ticket, and the discount is good on specified round-trip routes every other month.

Tip #3: Redeem miles to upgrade to a higher cabin on American Airlines and American Eagle flights. Upgrades start at 5,000 miles for full-fare economy upgrades.

Tip #4: Redeem miles or combine miles and cash for hotel stays and car rentals. You need at least 1,000 miles for each reservation, and there are no blackout dates.

While you can’t change car rentals and hotel stays once they are purchased, you can buy them for family members and friends by entering their information during the redemption process.

Go to the American Airline AAdvantage site to search for available hotels, car rentals, and vacations.

For even more tips, check out our guide on the best ways to use 100,000 AAdvantage miles.

Best Way To Maximize AAdvantage Miles

The fastest way to accumulate miles with the CitiBusiness Platinum Select card is by charging everything to the card in the 2x bonus categories.

These are telecommunications merchants, cable and satellite providers, car rental merchants and gas stations.

The following list includes even more ways to earn tons of American Airlines miles with the card.

Tip #1: Purchase all American Airlines flights and services with the card to earn 2x miles. Remember, you also get a 25% discount for inflight Wi-Fi.

Tip #2: Earn elite status with the AAdvantage loyalty program to bank points rapidly with a bonus: Gold (40%), Platinum (60%), and Executive Platinum (120%).

The benefits of Gold status definitely outweigh the cost. In addition to getting a 40% bonus on miles, you’ll also get free upgrades, priority check-in, complimentary same-day standby, and a discounted Admirals Club membership.

There are even more benefits for Platinum status!

Tip #3: Enroll your card with car rental agencies to multiply points quickly. First, earn 2x points because car rentals are in the 2x bonus mile category.

Plus, earn up to 500 points per rental depending on the agency. Avis and Budget are preferred partners, which means you will earn the most miles with each rental. Platinum and Gold status AAdvantage members earn 1,000 points per rental!

Tip #4: Earn points at restaurants by registering your card with the AAdvantage Miles Dining Program.

Get 1 AAdvantage mile per $2 spent. Agree to receive emails from the program and get 3 miles per $1 spent. Make 12 qualified dining transactions in a calendar year and get 5 miles per $1 spent!

That’s a lot of miles for dining you would probably be doing anyway!

Plus, you aren’t limited to enrolling American Airlines AAdvantage credit cards in the program. As long as your credit cards are not enrolled in another miles-earning dining program, you can add up to 5 of any of your credit cards to the program.

Tip #5: Stay at hotels to earn AAdvantage miles. Check out all hotel partners on AA’s website, or look at the table below to help you decide which hotel you might stay at next to earn bonus AAdvantage miles:

SCROLL FOR MORE

Hotel

Miles/Stay

Hotel

Miles/Stay

AAdvantage Hotels

Varies

Marriott

Up to 2 miles/$1

Hyatt

500 miles/stay

RocketMiles

Varies

IHG

Up to 2 miles/$1

 

 

Tip #6: Earn miles for flights on American Airlines, Oneworld partner airlines, and non-alliance partner airlines.

Tip #7: Earn up to 2,200 miles per ticket to various performance art shows with Audience Rewards. Enroll with your AAdvantage account number and find tickets to Broadway shows, operas, cabarets, and more in participating cities.

Tip #8: AAdvantage offers you the chance to earn miles by shopping through its eShopping Mall at stores like Kohl’s, Sears, and BestBuy. You can even search for coupon codes, sales, and deals for free shipping.

Bonus Tip:  Check out ways to earn 100,000 AA miles in just 90 days!

Alternatives to the CitiBusiness Platinum Select Card

The biggest drawback to the card is that its value is directly tied to American Airlines. If you and your employees don’t fly American Airlines on a regular basis, the card won’t be useful.

If you want to earn points for your business expenses but have the freedom to redeem them with a wide variety of travel and business partners, the Ink Business Preferred® Credit Card is an option.

LIMITED TIME OFFER
Ink Business Preferred® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Learn More(at Chase's secure site)
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
120,000 Points
$2,400
$95
21.24%-26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros
  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
Cons
    • No elite travel benefits like airport lounge access
  • Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC
Financial Snapshot
  • APR: 21.24%-26.24% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

With the Ink Business Preferred card, earn 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year.

Points earned with the Ink Business Preferred card can be used with the Chase transfer partners like United MileagePlus, British Airways Executive Club, and Southwest Airlines Rapid Rewards, as well as many online retailers.

Bottom Line: Businesses that don’t fly American Airlines will not find value from the CitiBusiness Platinum Select card.

The information regarding the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Is the CitiBusiness Platinum Select card worth it?

The card offers many benefits for business owners and frequent travelers.

Get your first checked bag free on American Airlines flights, complimentary Group 1 boarding, and 25% off inflight Wi-Fi.

Plus, the $99 annual fee is waived for your first 12 months.

Business benefits include free employee cards, 24/7 access to a dedicated small business customer service team, and a personal business assistant. In addition, you’ll receive online account summaries of your quarterly and annual expenses.

Does the CitiBusiness Platinum Select card have any foreign transaction fees?

No. There are no foreign transaction fees with this card.

How do you earn miles with the CitiBusiness Platinum Select card?

Earn bonus miles after spending the required amount in the allotted time, per the current sign-up bonus (see card snapshot in this article).

Then earn 2x miles on American Airlines flights and services, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations. Earn 1x miles on all other purchases.

Can American Airlines AAdvantage miles be transferred?

No. You cannot transfer American Airlines AAdvantage miles to partner airlines. However, you can redeem miles for award flights with partner airlines, car rentals, hotel stays, and more.

What are American Airlines AAdvantage miles worth?

American Airlines AAdvantage miles are typically valued at an average of 1.7 cents per point. This means you could be awarded a $100 flight ticket for the equivalent of about 5,800 American Airlines miles.

How many American Airlines miles are required for a free flight?

You can obtain a free flight in the contiguous U.S. for as few as 7,500 AAdvantage miles.

When do American Airlines AAdvantage miles expire?

Your American Airlines AAdvantage miles will not expire unless there is no activity on your account for 24 months. Earn or redeem miles to prevent expiration.

How do I apply for the CitiBusiness Platinum Select card?

Apply for the card through one of our links or directly through Citi’s website. Both should result in the same card.

If you happen to have a targeted offer better than ours, whether online or in the mail, by all means take it!

Are there other credit cards I can use to collect AAdvantage miles?

Yes, you can transfer points from Bilt Rewards or Marriott Bonvoy.

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About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

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