Citi · Business credit card

Citi / AAdvantage Business World Elite Mastercard

Citi / AAdvantage Business World Elite Mastercard is a business credit card from Citi. Its recorded annual fee is $99. Browse its rewards, rates, offer conditions and issuer sources below. Confirm current application terms with Citi.

17 source-checked details13 details incomplete or awaiting review

Issuer website checked 2026-10-27. Individual fields show their own source and review state.

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Research by SwitchWize Research Desk · Our methodology

Key card details

“Not verified” means we have not confirmed this detail yet. This does not mean the card lacks the feature.

Annual fee: $99; Read on issuer website; research review pending
Public welcome offer: 65,000 miles; Read on issuer website; research review pending
Offer spend requirement: $4,000; Read on issuer website; research review pending
Bonus spending deadline: 4 months; Read on issuer website; research review pending
Purchase interest rate (APR), low: 19.74%; Read on issuer website; research review pending
Purchase interest rate (APR), high: 28.74%; Read on issuer website; research review pending
Foreign transaction fee: 0%; Read on issuer website; research review pending
Reward earning rates: 2X eligible American Airlines, car rentals, gas, telecommunications, cable/satellite; 1X other purchases; each primary/employee cardmember earns 1 Loyalty Point per $1 eligible purchases.; Read on issuer website; research review pending

Offer and fee conditions

65,000 miles after $4,000 in first 4 months; annual fee waived for first 12 months; 48-month new-account bonus restriction.

Researched terms and benefits

Annual fee: $99Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Public welcome offer: 65,000 milesRead on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Offer reward type: milesRead on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Offer spend requirement: $4,000Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Bonus spending deadline: 4 monthsRead on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Offer conditions: 65,000 miles after $4,000 in first 4 months; annual fee waived for first 12 months; 48-month new-account bonus restriction.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Purchase interest rate (APR), low: 19.74%Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Purchase interest rate (APR), high: 28.74%Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Foreign transaction fee: 0%Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Reward earning rates: 2X eligible American Airlines, car rentals, gas, telecommunications, cable/satellite; 1X other purchases; each primary/employee cardmember earns 1 Loyalty Point per $1 eligible purchases.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Statement credits and benefits: 25% eligible inflight food/beverage/Wi-Fi savings; companion certificate after $30,000 in membership year and renewal, $99 ticket fee plus taxes/fees; checked bag and preferred boarding benefits.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Transfer partners: Not verifiedNo verified value available
Repayment structure: Revolving credit line; avoid purchase interest by paying the required monthly Flex Plan payment and entire non-Flex balance by due date.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Purchase APR applicability: Variable purchase APR applies.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Personal responsibility for repayment: Not verifiedNo verified value available
Personal credit inquiry: Applicant authorizes personal and business credit reports; Citi may report account information to credit reporting agencies without specifying bureau or reporting schedule.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Personal credit reporting: Not verifiedNo verified value available
Business credit reporting: Not verifiedNo verified value available
Eligible business types: New accounts; applicant at least 18; U.S. and eligible territories excluding Puerto Rico and U.S. Virgin Islands; business must maintain AAdvantage Business membership.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Application information required: Applicant name, address, date of birth and identity documents; business legal name, street address and taxpayer ID; employee identity information may be requested.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Employee card fees: Employee authorized-user cards at no additional cost.Read on issuer website; research review pending · Checked 2026-10-27Open source for this field ↗
Employee card controls: Not verifiedNo verified value available

Questions about Citi / AAdvantage Business

What is the annual fee for Citi / AAdvantage Business?

$99 Offer and fee conditions: 65,000 miles after $4,000 in first 4 months; annual fee waived for first 12 months; 48-month new-account bonus restriction.

How does Citi / AAdvantage Business earn rewards?

2X eligible American Airlines, car rentals, gas, telecommunications, cable/satellite; 1X other purchases; each primary/employee cardmember earns 1 Loyalty Point per $1 eligible purchases.

Does applying involve a personal credit check?

Applicant authorizes personal and business credit reports; Citi may report account information to credit reporting agencies without specifying bureau or reporting schedule.

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