CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Review

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"More Travel Perks for Your Business"

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

Card Summary Table

  • Card Bonus & Info
    • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.
    • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.
    • Enjoy preferred boarding on American Airlines domestic flights.
    • Earn an American Airlines Companion Certificate each year of cardmembership in which you spend $30,000 or more in purchases and renew your cardmembership. Minimum ticket fee and government taxes and fees apply.
    • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines® purchases.
    • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations.
    • Earn 1 AAdvantage® mile per $1 spent on other purchases.
  • Card Provider
    MasterCard Citibank
  • Card Type(s):
  • Card Focus:
    • Airlines
    • Car Rental Agencies
    • Cell Phones / Landlines
  • Annual Fee
    • $95 (Fee waived for the first 12 months)
  • Rewards Center
  • Goes Well With
  • Foreign Transaction Fees
    None
  • Typical Users
    Business Owners, Frequent Travelers, International Travelers
  • Customer Service Number

    888-248-4226

  • Login Link
  • Partners
    Oneworld PartnersS7 Airlines, Qantas Airways, British Airways, Cathay Pacific, Finnair, Iberia, Japan Airlines, LAN Airlines, Malaysia Airlines, Qatar Airways, Royal Jordanian Airlines, SriLankan Airlines, TAM Airlines, and Airberlin 
  • Interest Rates ?
    • 16.49% APR
  • Late fees ?
    • Up to $39
    • Penalty APR of 29.99%
  • Balance Transfers
    • $5 or 3% of the amount of each transfer, whichever is greater
    • 16.49% APR
  • Cash Forwarding
    • $5 or 3% of the amount of each transfer, whichever is greater
    • 21.99% APR

The Ideal Cardholder

As a traveling business owner, you spend a lot of time up in the air. Whether you need to get to clients or other destinations, you need an airline (and a credit card) you can depend on.

Citibank gives you both with the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

First, you get a card that gives you perks like boarding privileges when flying on the largest airline to any of its 350 destinations in 50 countries.

With such a busy schedule, knowing you have a reliable business credit card in your pocket gives you one less thing to worry about.

Business Owners Have Enough to Worry About
Business owners have enough to worry about already. Find some solace knowing you’ll have some rewards flights waiting for you by using the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®!

Sign-Up Bonus, Earning Categories and Points

The current sign-up bonus for the card is listed above in the card summary table. Simply spend the required amount in the allotted time to earn usually enough for a one way flight.

A seat in the main cabin to any of the 48 contiguous U.S. states and Canada is only 20,000 miles (AAnytime Level 1 award). Using a MileSAAver award, a business class seat to the same destinations would cost only 25,000 miles.

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

Earn 1 mile per dollar on all other purchases. The annual fee is $95 per year, waived in year 1.

Bottom Line: The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® earns 2x miles for AA flights and 3 select business categories, as well as 1x miles for all other purchases for $95 per year (waived year 1).

Boarding and Baggage Benefits

Nobody likes paying extra to check their bags. With the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, 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, no more waiting to board the plane! Get complimentary Group 1 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 1 boarding, and zero transaction fees add great value to the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

More Card Benefits and Discounts

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

First, the $95 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 in-flight purchases like food, beverages, and headsets on flights operated by American Airlines. 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.

Bottom Line: The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® comes with tons of perks like no annual fee the first year, 25% off in-flight purchases, 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 (1-866-458-4216) and a personal business assistant to help with travel, hotel, and dining arrangements (1-800-301-5584).

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® / AAdvantage® Platinum Select® World Mastercard® has useful features such as free employee cards, dedicated customer service, and online account summaries.

Drawbacks of the Card and Alternatives

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 Chase Ink Business Preferred℠ Credit Card is an option.

That card has the same $95 annual fee, although it is not waived the first year.

With the Chase Ink Business Preferred℠ Credit 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 Chase Ink Business Preferred℠ Credit Card can be used with travel 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® / AAdvantage® Platinum Select® World Mastercard®.

Conclusion

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is a good card for businesses that fly American Airlines frequently.

It has a wide array of benefits and discounts that allow cardmembers to earn miles quickly so they can be redeemed for flights with American Airlines, car rentals, and hotel stays.

Great Card If

  • You and your employees fly often for business
  • You prefer traveling on American Airlines
  • Your business expenses fall into the 2x mileage categories

Don't Get If

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

U.P. Pro Tips

Open a BankDirect Account for the chance to earn thousands of miles with your banking activity when you have the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

For instance, get 1,000 miles when you open a new Mileage Checking or Mileage Money Market Account, plus 10,000 miles when it gets a full payroll direct deposit from your employer.

Refer friends to earn additional miles. You will receive 1,000 AAdvantage miles for each friend that opens an account–and so will they!

A Banking Relationship Can Earn You Bonus AA Miles
Having a banking relationship with Citibank can be valuable and earn you bonus AA miles when you have the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

How To Use the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®: The Upgraded Way™

Best Way To Maximize Points

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

These include telecommunications expenses, car rentals, and gas station purchases.

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 most in-flight purchases using the card.

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%).

You will need to accumulate elite-qualifying miles (EQMs) to earn status: Gold (25,000), Platinum (50,000), and Executive Platinum (100,000).

You also have another option for achieving Gold or Platinum status (though not Executive Platinum). Participate in an elite status challenge to earn status for fewer EQMs. The only caveat is that you need to pay to do so.

The current 2016 program requirements are:

  • Gold ($120 fee): Earn 7,000 EQMs in 90 days
  • Platinum ($200 fee): Earn 12,500 EQMs in 90 days

So, for $120 you can earn Gold status with only 7,000 EQMs, compared to the 25,000 EQMs normally required!

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 Airline AAdvantage credit cards to 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.The following table shows participating American Airline AAdvantage partners and the miles you can earn by staying with them:

Partner HotelMiles Earned
La Quinta Inns & Suites, Best Western, Park Inn, Choice Hotels, Radisson, Country Inns & Suites By Carlson250 miles/stay
Melia Hotels International, Millennium Hotels and ResortsUp to 500 miles/stay
Quorvus Collection, Raffles Hotels & Resorts, Fairmont Hotels & Resorts, New Otani Hotels, Shangri-La Hotels & Resorts, Nikko Hotels International, Swissotel Hotels & Resorts, Hyatt, Park Plaza, Preferred Hotel Group500 miles/stay
Fiesta Americana Hotels and ResortsUp to 1,000 miles
WORLDHOTELSUp to 2,000 miles
PointsHoundUp to 6,000 miles
Hilton Portfolio Hotels1 mile/$1
Marriott Hotels, InterContinental Hotels Up to 2 miles/$1
Starwood Hotels2 miles/$1
Wyndham Hotel Group2 miles/$1 or 500 miles

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

We’ve helped you out by creating tables of the current airline partners below:

Oneworld Airline Partners
Malaysia AirlinesAir Berlin
SriLankan AirlinesQantas Airlines
Cathay PacificIberia
TAM AirlinesLAN Airlines
Qatar AirwaysS7 Airlines
Japan AirlinesBritish Airways
Royal Jordanian AirlinesFinnair

And non-Oneworld partners:

Additional Airline Partners
Seaborne AirlinesGulf Air
Alaska AirlinesEtihad Airways
Fiji AirwaysAir Tahiti Nui
Hawaiian AirlinesWestJet
Cape Air 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 the 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 100k AA miles in just 90 days!

The AAdvantage eShopping Mall is a Great Place to Earn Miles
The AAdvantage eShopping Mall is a great place to earn bonus AAdvantage miles when you are using the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

Best Way To Redeem Points

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® / AAdvantage® Platinum Select® World Mastercard®.

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 Airline AAdvantage site for a complete list.

DestinationMain Cabin SeatBusiness Seat
48 contiguous U.S. states12,50025,000
Canada & Alaska15,00030,000
Hawaii22,50040,000
Central America / Mexico / Caribbean17,50027,500
Europe22,50030,000

Because you can’t transfer your points directly to the partners, you’ll have to search for award flights and then call AAdvantage (1-800-433-7300) to book the flights. You may be able to get the $25 booking fee waived by asking the representative.

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: Take advantage of the 500-mile upgrade program from AAdvantage and upgrade from published fares in the Main Cabin on American Airlines marketed flights.

Purchase 8 upgrades for 40,000 miles or buy 500-mile upgrades for $40 on aa.com, at the airport, by phone (800-882-8880), or at American Airlines ticketing locations.

Executive Platinum members can upgrade free of charge on all flights. Platinum and Gold members receive complimentary upgrades on flights 500 miles or less.

Platinum and Gold members also earn four 500-mile upgrades for every 12,500 EQMs earned during the membership year. These can be used for upgrades on flights of more than 500 miles.

Tip #5: Redeem points or combine points 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.

Partners

Oneworld Partners: S7 Airlines, Qantas Airways, British Airways, Cathay Pacific, Finnair, Iberia, Japan Airlines, LAN Airlines, Malaysia Airlines, Qatar Airways, Royal Jordanian Airlines, SriLankan Airlines, TAM Airlines, and Airberlin.

Other Airline Partners: Air Tahiti Nui, WestJet, Alaska Airlines/Horizon Air, Cape Air, EL AL, Fiji Airways, Hawaiian Airlines, Jet Airways, Seaborne Airlines, Gulf Air, and Etihad Airways.

Rental Car Partners: Dollar, National, SuperShuttle, Avis, Budget, Alamo, Hertz, Thrifty, Carmel, Europcar, Sixt, and GroundLink.

Cruise Lines: Carnival Cruise Lines, Regent Seven Seas Cruises, Avalon Waterways, Celebrity Cruises, Costa Cruises, Disney Cruise Line, Holland America Line, Uniworld River Cruises, MSC Cruises, Windstar Cruises, Norwegian Cruise Line, Princess Cruises, Paul Gauguin Cruises, Royal Caribbean, AmaWaterways, Crystal Cruises, Cunard, Oceania Cruises, Ponant, Seabourn, SeaDream Yacht Club, Silversea Cruises, Viking Ocean Cruises, Viking River Cruises, and Azamara Club Cruises.

Hotel Partners: WORLDHOTELS, Melia Hotels International, Hilton Portfolio, Raffles Hotels & Resorts, Starwood Hotels, Marriott Hotels, InterContinental Hotels, Choice Hotels, Wyndham Hotel Group, Best Western, Country Inns & Suites By Carlson, Shangri-La Hotels & Resorts, Fairmont Hotels & Resorts, New Otani Hotels, Fiesta Americana Hotels and Resorts, Park Inn, Hotel JAL City, Hyatt, Langham Hospitality Group, La Quinta Inns & Suites, Millennium Hotels and Resorts, Nikko Hotels International, Park Plaza, PointsHound, Preferred Hotel Group, Quorvus Collection, Radisson, Radisson Blu, Rocketmiles, and Swissotel Hotels & Resorts.

Card Math

So far in this review of the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, we’ve looked at the features of the card as well as the best ways to earn and redeem miles.

Hopefully, this information has been helpful to you.

Next, we’ll explore the overall value of the card based on the numbers

A Quick Recap of the Card

Let’s start by reviewing the cost and earning potential of the card:

Annual FeePoints Earned on Flights and Select Business ExpensesPoints Earned Everywhere Else
$0 first year, then $95/yr2x1x

Just like most loyalty programs, your miles earned on the card don’t count toward elite status. However, it’s still smart to work toward elite status so you can maximize your miles.

Our Small Business Example: A Consulting Firm

This table lists the typical business expenses for a consulting firm. We’ll assume the business has a few employees and performs consulting work around the region.

Spending CategoriesAmountOtherAmount
Office Supply$12,000Conferences/Networking$2,000
Shipping$4,000American Airline flights and services related to above$1,000
Cell Phone$2,400Hotel Expenses related to above$1,000
Landline$  –Legal Fees$10,000
Internet$1,800Advertising/Marketing$10,000
Cable$  –Web Expenses (Including Dev)$12,100
Gas Station$5,200Car Rentals$500
Restaurants$2,600Accounting Fees$10,000
Insurance$1,200
Total$28,000Office Rent$60,000
Total$107,800
TOTAL BUSINESS SPEND$135,800

Next, we’ll assign the above spending into earning categories.

Bonus CategoryTotal Dollars SpendTotal Points Earned
2x$6,70013,400
1x$129,100129,100
Grand Total$135,800142,500

Based on these expenses, you could earn 142,500 points, assuming you put all of your expenses on the card!

The CitiBusiness AAdvantage Platinum Select World MasterCard Rewards Add Up
Rewards on the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® really add up when you use it for all your business spending!

Math Conclusion

During our research on AAdvantage miles, we determined the value of each mile to be between $0.01 and $0.02.

Based on the example of the consulting business above, that makes the total monetary value of the miles $1,425- $2,850. Subtract the $95 annual fee after the first year, and that’s a pretty good value for a business owner!

After all, with the sample spending, you would also qualify for an American Airlines Companion Certificate and get perks like first checked bag free, Group 1 Boarding, and much more!

Of course, as always, do your own calculations for your level of spending–and always spend wisely.

Bottom Line: Do the math to see if the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is worth it for you. Per our calculations, you could get between $1,425-$2,850 in value each year!

The Gritty Details: Everything Else You Need To Know

Your American Airlines AAdvantage account must be open 7 days prior to receiving benefits for the card, such as Group 1 boarding and first bag checked free.

Sign-up bonus miles – This offer is only available to new cardmembers. It is not available to cardmembers who have had a card opened or closed in the past 24 months.

Bonus miles will appear in your AAdvantage account 8-10 weeks after you meet the purchase requirements.

First checked bag free – This benefit does not apply to overweight or oversized bags. It also does not apply to flights booked with an American Airlines flight number but operated by another airline.

Companion certificate – Primary cardmembers earn a $99 domestic economy fare American Airlines Companion Certificate after spending more than $30,000 on eligible purchases.

The credit card account must remain open for at least 45 days after the anniversary date. Certificates take 8-10 weeks for delivery and are good for 1 year.

Cardmember must pay the $99 ticket fee plus government taxes and fees totaling $21.60-$43.20 (depending on the itinerary).

25% in-flight discount – This benefit includes food, beverages, and headsets but not wireless internet access. The 25% discount appears as a statement credit 6-8 weeks after the transaction is posted to account.

Reduced mileage award – You must book through American Airlines reservations or ticket centers to receive this benefit. A $35 award service charge per person will apply.

Miles expiration – Miles will not expire as long as you earn or redeem miles with American Airlines, an affiliated carrier, or an American Airlines participant once every 18 months.

Other Unique Features

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® also comes with a wide range of travel and shopping insurances, which add to its value.

Worldwide car rental insurance – Get coverage against rental car theft or damage when you decline the rental company’s collision loss/damage insurance.

Travel & emergency assistance – Receive assistance with emergency travel arrangements, legal referrals, medical referrals and more 24/7 before or during a trip.

Worldwide travel accident insurance – Provides financial help after an accident.

Purchase assurance – You may receive up to $10,000 per loss if items are damaged or stolen within 90 days of purchase. The maximum benefit in one year is $50,000 per cardholder.

Extended warranty – Up to 1 extra year added to a warranty of 5 years of less.

Apple Pay – Pay in-app at over 200,000 stores on the iPhone 6, or in-app with the iPad Air 2 and iPad mini 3.

Photo Credits/Credit/Copyright Attribution:
Cafe Managers Reviewing Expenses: baranq/Shutterstock
Bank: Kevin George/Shutterstock
Girls Shopping with Bags: EpicStockMedia/Shutterstock
Earn Points Display: Gustavo Frazao/Shutterstock

Starwood Preferred Guest® Business Credit Card from American Express

Starwood Preferred Guest® Business Credit Card from American Express

FAQ

Is the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® 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 in-flight purchases like food, beverages, and headsets.

Plus, the $95 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® / AAdvantage® Platinum Select® World Mastercard® have any foreign transaction fees?
No. There are no foreign transaction fees with this card.

How do you earn miles with the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®?
Earn bonus miles after spending the required amount in the allotted time, per the current sign up bonus (see card summary table or special offer below).

Then earn 2x miles on American Airlines flights and services, telecommunications services, car rentals, and gas station purchases. 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.

Who are the American Airlines AAdvantage airline partners?
American Airlines is a part of the Oneworld alliance, so they are partners with all Oneworld carriers, including:

SriLankan Airlines, Air Berlin, British Airways, Cathay Pacific, S7 Airlines, Iberia, Finnair, LAN Airlines, Qantas Airlines, Qatar Airways, Royal Jordanian Airlines, Japan Airlines, TAM Airlines, and Malaysia Airlines.

They also partner with the following additional airlines:

Hawaiian Airlines, Air Tahiti Nui, Alaska Airlines, Etihad Airways, Fiji Airways, Gulf Air, Seaborne Airlines, Cape Air Airlines, and WestJet.

When do American Airlines AAdvantage miles expire?
Your American Airlines AAdvantage miles will not expire unless there is no activity on your account for 18 months. Earn or redeem miles to prevent expiration.

How do I apply for the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®?
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!

Which card is better, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® or the Chase United MileagePlus® Explorer Business Card?
Both cards earn 1-2 miles/$1 and cost $95 annually after the first year. The major difference between the cards is that one earns you miles on American Airlines and the other earns you miles on United.

Also, the Chase United MileagePlus® Explorer Business Card allows you to transfer miles directly to hotel loyalty programs.

How quickly will my CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® miles be deducted from my account if I redeem them for hotel or car awards?
Miles are deducted immediately. It will take up to 24 hours for the transaction to show in your American AAdvantage mileage summary.

Are there other credit cards I can use to collect AAdvantage miles?
Yes, you can use Starwood credit cards: the Starwood Preferred Guest® Credit Card from American Express or the Starwood Preferred Guest® Business Credit Card from American Express.