CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Review
A travel card is often one of the most valuable for those who fly frequently. The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® from Citi, a Credit Cards House advertiser, combines the standard rewards of a travel credit card with the added perks that come with a business credit card.
American Airlines fans should especially take a look at this card since it can save them a lot of money even if they only travel a few times a year.
What You Get
One of the biggest perks of this card is its signup bonus. For a limited time you can earn 70,000 bonus miles after spending $4,000 in the first four months. This is one of the easiest travel bonuses to earn since it only requires you to spend $1,000 a month; a manageable amount for most business owners. Other cards may require that you spend double or triple that amount to earn the bonus.
This card’s travel benefits are all a globe-hopping person could ask for. Your first checked bag is free, you get preferred boarding, and there are no foreign transaction fees with this card. You also save 25% on in-flight purchases and on inflight Wi-Fi when using the card. The card is especially valuable if you’re located near an American Airlines hub.
You earn 2 miles for each dollar spent at telecommunications, cable and satellite providers, car rentals, gas stations, and American Airlines purchases. You earn one mile for all other purchases. You’ll also get a 10% refund on all miles used. Reward flights start at 7,500, so you could theoretically earn two domestic round-trip flights with the bonus miles you earn. You’ll also earn an American Airlines Companion Certificate for every year you spend $30,000 or more.
Even if you’re not a frequent traveler, this is a good rewards card for businesses. Employee cards can be added at no additional cost and each card earns AAdvantage® miles. You get a dedicated small business customer service team as well as personal business 24-hour concierge service. The card includes enrollment in Mastercard® Easy Savings, where you will receive automatic rebates on eligible purchases from businesses like Avis, Monster, and Sam’s Club. The card also offers online account summaries to help track expenses.
What You Don’t Get
Like many travel cards, this card has an annual fee of $99 that’s waived for the first year. After you earn the bonus and redeem the miles, it may be worth considering if this card is worth the annual fee. This depends on how much you spend using this card and how much you earn in rewards.
Depending on how you redeem your miles, you’d have to spend around $4,950 to $9,900 a year on the card to offset the $99 annual fee. If you fly a lot using American Airlines and check a bag, those savings should also be taken into consideration when it comes to the annual fee. The fee for a checked bag on a domestic flight is $25 so if you check a bag four times a year, the annual fee is worth it. If you can qualify for a travel card that doesn’t have an annual fee and has better benefits, it may be worth it.
If you apply for this card to use for an upcoming trip, be aware that it may take 8-10 weeks for the bonus miles to show up on your account after you’ve reached the spending requirement. This may surprise travelers who want to use their bonus immediately. Traveling using rewards miles often requires more planning ahead and waiting for miles to post than people may be used to.
The Bottom Line
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is primarily designed for business owners who travel frequently and need a card that rewards them for that. Like many airline-specific cards, it’s best for those who use American Airlines exclusively.
The most popular American Airlines hubs are Phoenix, Los Angeles, New York, Charlotte, Dallas/Fort Worth, Miami, Chicago, and Washington D.C. Those who live near or fly to those cities could likely benefit the most from this card. If you’re a Delta or Southwest Airlines fan, you might consider choosing one of their cards or getting a general travel credit card.
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.