CitiCredit Card

Aadvantage Business Platinum

Best for business owners who frequently fly American Airlines and want to save on luggage fees

$975bonus$99/yrannual fee1.0x miles per $1; value varies by redemption
Sign-up bonus
$975
See issuer terms
Annual fee
$99
Offset by $975 bonus
Purchase APR
See terms
Variable — see issuer terms
How you earn
Other purchases
1.0x miles

Points and miles redemption value varies. Bonus categories shown; caps may apply. Verify earning rates and options with the issuer before applying.

SwitchWize take

The Citi AAdvantage Business Platinum Select World Elite Mastercard is a mid-tier co-branded airline card built for small business owners loyal to American Airlines. It delivers concrete day-of-travel savings through free checked bags and preferred boarding, effectively offsetting its annual fee for frequent flyers. However, outside of its specific bonus categories, its everyday earnings on non-travel business operating expenses remain relatively low.

Pros & cons
What we like
  • First checked bag free for the primary cardmember and up to 4 companions on domestic flights
  • Preferred boarding ensures earlier access to overhead bin space
  • No foreign transaction fees make it convenient for international business travel
Worth noting
  • Does not grant complimentary Admirals Club lounge access
  • Base earning rate of 1x mile per dollar on general non-category business expenses is weak
  • The companion certificate requires a high annual spending hurdle of $30,000
Perks & credits
$280 face value·$210 effective
First Checked Bag Free
Requires flying on domestic American Airlines flights with up to 4 companions on the same itinerary.
moderate
$280
$210 eff.
25% Inflight Savings
Receive a 25% savings as a statement credit on food, beverage, and Wi-Fi purchases on American Airlines flights.
moderate
$0
American Airlines Companion Certificate
Earned after spending $30,000 or more in a cardmembership year and renewing your card.
hard
$0

Effective value discounts hard-to-use credits (easy 100% · moderate 75% · hard 50%)

Key terms
Updated Jun 22, 2026
Purchase APR19.49%–28.49% variable
Annual fee$99 (waived first year)

Always verify current terms at the issuer before applying. See full offer details →

Citi

Aadvantage Business Platinum

$975
sign-up bonus
$99
annual fee
$1,176
est. first-year value
$201
ongoing value / yr

Based on $2,500/mo spend

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