CitiBusiness® / AAdvantage® Platinum Select® Mastercard® review

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® review

Updated: August 1, 2023
Updated: August 1, 2023
Ratings Policy
Business Rating:
3.8 rating
3.8 rating
3.8 / 5
Rewards Value:4.6
Annual Percentage Rate:1.2
Rewards Flexibility:3.4
Issuer Customer Experience3.3

In a Nutshell:

Though there are far better airline cards for business owners, frequent flyers of American Airlines will find plenty of value in the CitiBusiness / AAdvantage Platinum Select Mastercard to justify the card’s high annual fee.

Partner Offer: Citi is an advertising partner

All information about the CitiBusiness AAdvantage Platinum Select Mastercard has been collected independently by The issuer did not provide the content, nor is it responsible for its accuracy.

Rewards Rate

  • 2 AAdvantage® miles on telecommunications, car rental, cable and satellite and gas station purchases
  • 2 AAdvantage® mile on eligible American Airlines purchases
  • 1 AAdvantage® mile on other purchases

Sign-up Bonus
65,000 AAdvantage® miles if you spend $4,000 in first 4 months

Very Good

Annual Fee
$99, waived for the first 12 months


21.24%–29.99% (variable)


Rewards Redemption

  • Points generally don’t expire (18 month expiration date if you don’t earn or redeem miles)
  • No limit on the number of points you can earn
  • Select 30% awards discounts
  • Free online redemption
  • Wide network of airlines, including American Airlines and other Oneworld Alliance airlines, and other partner airlines


  • Blackout dates on some awards
  • Fee for phone award booking
  • Travel on many partner airlines can’t be redeemed online
  • Various fees for award redemptions and cancellations
Very Good

Citi Customer Service Ratings

  • J. D. Power 2020 customer satisfaction rating: 801 (50% of issuers in this category ranked higher)
  • 24/7 customer service?: Yes
  • Online chat available?: Yes
  • Google Play Store mobile app rating: 4.6/5
  • Apple Store mobile app rating: 4.9/5
Very Good

Other Notable Features: First checked bag free, preferred boarding, no foreign-transaction fee, 25% savings on in-flight purchases, 7,500 fewer miles required for select destinations, $99 (plus taxes and fees) companion ticket if you spend $30,000 in a year and renew your membership, identity-theft solutions

While CitiBusiness / AAdvantage Platinum is not as valuable as it used to be, it is still a great avenue for collecting miles on the ground if you run a small business and fly American Airlines. With a generous sign-up bonus, free checked bag, decent earning scheme and other benefits, the card offers enough perks for you not to feel ripped off by the $99 annual fee (waived for the first 12 months).

Generous sign-up bonus

The CitiBusiness / AAdvantage Platinum Select Mastercard is currently offering a sign-up bonus of 65,000 American AAdvantage bonus miles for cardholders who spend $4,000 in the first four months. That’s a very generous number of miles, on par with some of the best sign-up offers currently available from other airline cards. It amounts to two round-trip flights in North America, or one round trip to Europe or Latin America during off-season. Since we currently value AAdvantage miles at 1.9 cents per mile, the bonus amounts to around $1,235 in airfare with American Airlines.

Reasonable earning scheme

Like many other airline cards, the CitiBusiness / AAdvantage Platinum Select Mastercard pays double miles for eligible American Airlines purchases. It also pays double miles for telecommunication spending, car rental purchases and gas station purchases.

Award discounts

Throughout the year, you can take advantage of quarterly award sales featuring up to 30 percent discounts between select city pairs.

Business tools

Your CitiBusiness / AAdvantage Platinum Select Mastercard comes with a set of tools to help you manage your business. You get some standard features, such as the ability to set and change credit limits for employee cards, as well as the ability to track expenses in quarterly and annual summaries. But the card offers more refined benefits too. You get access to a personal business assistant to help with travel arrangements, and you get immediate access to small-business customer service specialists.

AAdvantage booking restrictions

Even when you have enough AAdvantage miles to book a flight, you might not find Off Peak or MileSAAver award availability for the date of your choosing. And when there is availability, it might not be the most convenient routing. For flights to Europe, you might only find availability on a partner airline that adds huge carrier surcharges (fees charged on top of the base fare), such as British Airways. If you are not flexible, redeeming your AAdvantage awards can be a bit tricky.

Why get the CitiBusiness AAdvantage Platinum Select Mastercard?

  • American Airlines is your primary choice of air transportation.
  • You spend a lot of money in the bonus categories.
  • You have a lot of employees to help you collect miles (since there are no fees for employee cards).
  • You want a mile boost from the sign-up bonus.
  • You value extra benefits, such as free checked bags and priority boarding.

How to use the CitiBusiness AAdvantage Platinum Select Mastercard:

  • Charge everything to the card that falls within the bonus categories unless you have other credit cards that offer a higher rewards rate than 2 miles per dollar.
  • Pay cash for cheap flights and save your miles for flights that are more expensive.
  • Avoid using award levels other than Off Peak or MileSAAver. All other levels are overpriced.
  • Do not carry a balance on this card. If you need to carry a balance, use a low interest rate credit card.

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