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

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.74% ‐ 28.74% (Variable)
Interest Rate: Purchases
19.74% ‐ 28.74% (Variable)
Balance Transfer
Balance Transfer
1 - 2 Miles
1 - 2 Miles
Signup Bonus
65000 miles (after spending $4,000)
Signup Bonus
65000 miles (after spending $4,000)

Informr score
The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® currently has an Informr score of 8 out of 10. This score is based on our evaluation of 24 sources including reviews from users and the web's most trusted critics.

Am I eligible?

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


If you're a business owner who routinely travels on American Airlines, it may be time to sign up for the CitiBusiness / AAdvantage Platinum Select Mastercard. This card is ideal for the price-conscious business owner who doesn't want to pay a high annual fee for a credit card but still wants ample t...

- Christy Rakoczy, FinanceBuzz

If you love to travel, and you're a fan of American Airlines, this is definitely a credit card to consider. If you'd rather take the train or are a homebody, you're probably better off finding a different credit card. For travelers, though, there's no doubt about it. For every dollar you spend at ga...

- Brooklyn Lowery,
The Points Guy
The Points Guy

You must be an American Airlines frequent flyer to get the most out of the CitiBusiness/AAdvantage Platinum Select Mastercard. Even then, you’ll still have to earn elite AA status the old-fashioned way — by flying on American and its airline partners. For a card that targets business travelers, it’s...

- Benet Wilson, The Points Guy

You’ll benefit most from this card if you’re a business traveler who mostly flies American Airlines, and you’d benefit from elevated rewards for car rentals and gas. You won’t get much out of this card if you regularly fly other airlines, or your business doesn’t require travel at least a few times...

- Samantha Rosen, NextAdvisor
Upgraded Points
Upgraded Points

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 inflight Wi-Fi. Plus, the $99 annual fee is waived for your first 12 months. Business benefits include free employee car...

- Alex Miller, Upgraded Points


Interest Rates
Regular APR Interest Rate 19.74% ‐ 28.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate

Balance Transfers Not Allowed

Cash Advance Interest Rate 28.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $99.00

Waived on the first year.

Balance Transfer Fee
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $41.00


Sign up bonus 65000 miles after spending $4,000

On purchases within the first 4 months

All Purchases 1 mile for $1 spent
Restaurants No
Gas 2 miles for $1 spent
Groceries No
Hotels No
Travel 2 miles for $1 spent

On eligible American Airlines purchases and car rental merchants

Pharmacy No
Bills No
Additional Details
  • 2 miles for $1 spent on purchases at telecommunications merchants, cable and satellite providers.
  • Earn an American Airlines Companion Certificate each year of cardmembership in which you spend $30,000 or more in purchases and renew your cardmembership.
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • First checked bag is free
  • Preferred boarding on American Airlines domestic flights.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card.
  • Receive a 25% savings on eligible in–flight food and beverage purchases when you use your card on American Airlines flights.
  • Personal Business Assistant
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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