CitiBusiness AAdvantage Platinum Select Business Credit Card Review

There are so many credit cards on the market, choosing the right card for your business can be overwhelming. In this series of reviews we’ll do the searching for you and help you make an informed choice.

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Summary

The AAdvantage Platinum Select World Mastercard is Citibank’s travel rewards credit card for those who fly frequently with American Airlines. The card features some nice benefits like no foreign transaction fees, a great opening bonus reward, mile rewards, travel insurance, and purchase assurance. The credit card also features American Airlines flight perks like preferred boarding, airline discounts, and a free checked bag for you and up to four others.

This card does have some drawbacks though, such as a high annual fee. AAdvantage Platinum Select is most beneficial for those who fly with American Airlines frequently. For others, the benefits are limited.

Who is AAdvantage Platinum Select Right For?

The AAdvantage Platinum Select card is designed for businesses that require frequent travel and can benefit from the American Airlines miles and other travel perks.

Visit Citi's website.

CitiBank website

Pricing

Base Features

The AAdvantage Platinum Select card features:

• No annual fee for the first year, then $99 every subsequent year
• Sign-up bonus of 70,000 American Airline miles when $4,000 is spent within the first 4 months of opening the account
• Cards for employees are easily available, and your business will get the miles they accrue from using the card
• 24/7 help with travel, hotel, and dining arrangements
• Rewards:
  • 2 American Airline miles for every $1 spent on American Airline Purchases (this does not include purchases made through travel agencies or third-party travel websites)
  • 2 American Airline miles for every $1 spent on telecommunications, cable, satellite providers, car rentals, and at gas stations
  • 1 American Airline mile for every $1 spent on other purchases
• American Airlines flight perks:
  • First checked bag is free for you and four others
  • Preferred boarding
  • 25% off when you use American Airlines inflight Wi-Fi
  • 25% off inflight food and beverage purchases
  • For each year you spend $30,000, you will receive an American Airlines Companion Certificate, allowing you to bring a colleague with you on a domestic flight for $99 (plus taxes)
  • Fly to select destinations on American Airlines operated flights for up to 7,500 fewer miles with Reduced Mileage Awards
  • Travel protection
  • Worldwide accident insurance up to $1,000,000
  • Worldwide car rental insurance up to $50,000 when you pay with you Citi credit card
  • 24/7 travel and emergency assistance
• Purchase Assurance:
  • Up to $10,000 per lost item
  • Total of $50,000 covered per cardholder each year for items damaged or stolen within 90 days of purchase
  • Apple Pay compatible

Fees:

• Waived annual fee for the first year, then $99
• Cash advance: $5 or 3% of the amount, whichever is greater
• No fee on foreign transactions
• Late payment: Up to $37
• Return payment: Up to $37
  
  Note: Businesses can only have one of these cards (not including employee copies). The sign up bonus is not available if you have opened another CitiBusiness/AAdvantage card within the last 2 years.

Ratings

Value - 4/5

Citibank’s Platinum Select World Mastercard is really useful for businesses who use American Airlines frequently. Citibank includes some nice perks like mile rewards, a big signup bonus, discounts with American Airlines purchases, and free checked bags. But, this credit card is only marketed to a slim audience, since it will not benefit those whose businesses do not require travel or who do not fly with American Airlines.

Customer Service - 4.5/5

From our experience, Citibank's customer service is very fast and organized. Their employees are polite and responsive, and easily answered our questions. You can contact Citibank’s customer service through phone, online chat, and mail.

Ease of Use - 3.5/5

Citibank’s website is generally good, but their business section is outdated and disorganized. It’s also missing a lot of information, so customers have to resort to contacting customer service about small details like opening fees and interest rates. Citibank does offer a better experience for customers through their mobile app and online banking website, which has a straightforward and user friendly interface.

Included Features - 3.5/5

There are some good features included with this credit card, from miles rewards, a 0% intro APR period, and a large signup bonus to travel protection and American Airlines discounts. However, their annual fee, high APR, and fairly low mile rewards per dollar spent could be improved.

Conclusion

With a big sign up bonus, travel protection, American Airline miles, a 0% APR period, and many more benefits, Citibank’s CitiBusiness/AAdvantage Platinum Select World Mastercard is a good option for businesses that require travel and use American Airlines regularly.

Who is AAdvantage Platinum Select Right For?

The AAdvantage Platinum Select card is designed for businesses that require frequent travel and can benefit from the American Airlines miles and other travel perks.

Visit Citi's website
Waived annual fee for the first year, then $99