Reviews CitiBusiness / AAdvantage Platinum Select World Mastercard review

CitiBusiness / AAdvantage Platinum Select World Mastercard review

Published: June 20, 2017
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Business Rating:
2.8 rating
2.8 rating
2.8 / 5
Rewards Value: 2.0
Annual Percentage Rate: 3.0
Rewards Flexibility: 3.4
Features: 3.0

In a nutshell:

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

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Rewards Rate

  • 2:1 telecommunications, car rental, gas station purchases
  • 2:1 eligible American Airlines purchases
  • 1:1 regular purchases

Sign-up Bonus
60,000 miles after spending $3,000 in first 3 months

Annual Fee
$95, $0 for the first year

Average Yearly Rewards Value ($4.000 monthly spend)
$777

APR
16.74% (variable)

Rewards Redemption
Pros

  • 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

Cons

  • Blackout dates on some awards
  • Major award level devaluation planned after March 23, 2016
  • Fee for phone award booking
  • Travel on many partner airlines can’t be redeemed online
  • Various fees for award redemptions and cancellations

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, free companion ticket if you spend $30,000 in a year and renew your membership, identity-theft solutions

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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 $95 annual fee (waived for the first year).

Excellent sign-up bonus
The CitiBusiness / AAdvantage Platinum Select World Mastercard offers 60,000 American AAdvantage bonus miles for meeting a $3,000 spending requirement within three months. That amounts to two round-trip flights in North America, or one round trip to Europe or Latin America during off-season.

Reasonable earning scheme
Like many other airline cards, the CitiBusiness / AAdvantage Platinum Select World 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 World 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.

Good interest rate
The interest rate on the card is lower than the rate on many business rewards cards. However, if you carry a balance, the CitiBusiness / AAdvantage Platinum Select World Mastercard might not be for you. The current 16.74 percent interest rate is high enough to negate the free flights you might gain from using the card.

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.

Reasons to get it:

  • American Airlines is your primary choice of air transportation.
  • You spend a lot of money in the 2 percent 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 generous 60,000 mile sign-up bonus.
  • You value extra benefits, such as free checked bags and priority boarding.

How to use it:

  • Charge everything to the card in the bonus 2 percent categories unless you have other credit cards that offer a higher rewards rate.
  • 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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