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Advertiser Disclosure
Advertiser Disclosure

Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®: Is it good for businesses?

Image of CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
81
"A very good business credit card for any company which frequently flies its employees using American Airlines or US Airways"

Contents

The usefulness and value of the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® depends upon your company’s reliance on American Airlines travel. The list of AA benefits is by far the card's best feature, and helps to make up for the scarcity of useful business-oriented perks and other more well-rounded uses. The reduced mileage awards make the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® worthwhile for any small business that finds themselves flying with American Airlines at least several times per year.

Pros

  • Reduced miles requirements for select award flights on American Airlines
  • Decent 2.7% rewards rate

Cons

  • Usefulness restricted to American Airlines, and miles can only be redeemed for award flights and upgrades
  • Not enough integration or useful benefits for the small business
  • $95 annual fee

Review: Is the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® the Best Value for your Business?

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is designed for small businesses that travel a lot with American Airlines. The card’s overall rewards rate is fairly competitive, when matched up against some of the best small-business credit cards. All of the card’s value, however, is tied up with the airline its affiliated with. If you or your employees do not travel with AA at least a couple of times each year then this card is worthless. If you do have significant travel expenses, but not necessarily with one particular airline, the Starwood Preferred Guest® Business Credit Card from American Express is a far better choice. On the other hand, if you and your employees do not travel at all, the Ink Plus® Business Credit Card might be your best bet.

As far as business benefits go, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is rather poor. Citi will send you quarterly and annual account summaries, which will break down your and your employees’ credit spending - good for tracking your company’s cash flow. However, this is a fairly standard feature, which most good business credit cards provide. Unfortunately, other business cards will go the extra mile, and provide entrepreneurs with even more accounting and managerial options. For example, the Ink Plus® Business Credit Card allows the primary account holder to set individual spending limits on employee cards.

The best and only worthwhile feature of the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is its American Airlines perks. The AA benefits this card provides are the best of any business card we’ve seen. The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is one of the few cards to qualify for AA’s reduced mileage redemptions, which give a 7,500 mile discount each time you book a flight with AAdvantage miles, on select destinations. While these benefits may not seem like a big deal individually, they certainly add up – especially if you or your staff are in the air with either American Airlines of US Airways on a regular basis.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Benefits & Features

We took an in-depth look at all the benefits and rewards the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® gets you and your company. As expected, the card’s entire rewards structure is based around the American Airlines partnership - you earn AAdvantage miles, and your sole redemption options are flights and class upgrades. If you have no interest in these types of benefits, we recommend you go with a different card.

Image of CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Annual Fee $0 Intro Annual Fee for the first year then $95
Purchase APR 15.24%
Card Details
  • 2 miles for every $1 you spend on American Airlines
  • 1 mile for every $1 spent on other purchases
  • First checked bag free for you and up to four traveling companions
  • Priority boarding
  • 25% discount on in-flight purchases

Earning AAdvantage Miles Through Spending

Spending in select business categories with the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, will earn you 2 AAdvantage miles per $1. “Business categories” include telecommunications, car rental merchants and at gas stations. In addition to this, any time you pay for American Airlines or US Airways flights using the card, you will also earn 2 miles per $1. All other charges that do not fit into either of the above mentioned groups will earn users just 1 AAdvantage mile per $1.

We calculate the value of an AAdvantage mile to be $0.0135. This figure was derived by averaging several different American Airlines itineraries, and dividing their USD cost by the total AA mile cost. For instance, a roundtrip flight from New York to Denver, on Presidents Day Weekend, can cost $508. That same flight would require 37,500 AAdvantage miles to book. We arrive at a point value through the following calculation: $508 / 37,500 = $0.0135 per point. If your award flight happens to be towards a reduced mileage destination, then your rewards rate will be correspondingly higher.

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® has a rewards rate between 1.35% and 2.7%. That is, for every dollar you charge using the card, you will effectively be earning some percentage of it back in the form of AA miles. The best use case for this card is to make business and AA purchases, where you earn rewards twice as fast, and wind up on the higher end of the rewards rate spectrum (2.7%). Below you can see how the rewards rate of the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® compares against that of some other leading business credit cards.

This graph shows users how the CitiBusiness AAdvantage Platinum Select card compares to the Ink Plus and Starwood Preferred Guest when earning rewards from card purchases

Introductory Bonus: After making $3,000 in combined purchases, within the first 3 months of opening a CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® account, users will receive 60,000 bonus American Airlines AAdvantage miles – a $810 value. To qualify for the bonus, the $3,000 must come from purchases only – not balance transfers or cash advances. The spending, however, does not have to come from the primary account holder. All spending done from employee cards will count towards the bonus requirement.

What are the Benefits of Using the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® for your Company?

There are no additional costs associated with getting extra CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® cards. That is, your company only has to pay the annual fee ($95) for the company credit card account. If you wish to issue one of your employees their own copy of the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, you don't have to pay an additional $95 per year for it.

All of your employees' spending on their CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® cards will earn AAdvantage miles that will be credited to your main account. The rates at which miles are earned on employee cards are the same as the primary cardholder’s.

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® welcome bonus can only be earned once per account, but all transactions from your employees will count towards the $3,000 bonus requirement. Theoretically, if you don’t spend a dime, but one of your employees charges $3,000 to his card within the first 3 months of the account opening, you will still receive the 60,000 miles.

American Airlines Benefits

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® cardholders receive a 7,500 mile discount when redeeming their miles for flights to certain destinations. A full list of flights which participate in reduced mileage awards can be found here. This is easily one of the card’s best benefits. 7,500 AAdvantage miles translates to approximately a $101 value. When booking your reduced mileage flight, be sure to enter the corresponding discount code at checkout for the promotion to apply. For first class bookings the code is UD21X2F / AVM26. For Main Cabin reservations use the code TD8X7F / AVM24.

Additionally, CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® primary cardholders receive 1 free checked bag on American Airlines and US Airways operated flights. The free checked bag applies only to domestic flights. Additionally, up to 4 travelling companions can qualify for this benefit as well. If your employees are traveling by themselves, however, without the primary accountholder present, they will not qualify for the free checked bag.

Whenever the primary cardholder travels with AA or US Airways, he or she receives priority boarding privileges on reservations paid for with their CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®. When traveling on domestic flights with American Airlines, employees get to board with Group 1 passengers, and Zone 2 when domestic US Airways operated flights.

When paying for in-flight snacks, beverages, and headsets on AA and US Airways flights, the primary CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® users will receive a 25% discount. The savings will not be applied immediately. Instead, you will pay full price at the time of purchase, and your CitiBusiness® credit card account will be credited within 6-8 weeks.

How does the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® compare to other credit cards?

Whenever you're shopping around for a credit card, it is worthwhile understanding all the available options. Below, you can find a side-by-side comparison between the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® and its leading competitors. In the sections below, we also explore the differences between the cards in greater detail.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® vs Ink Plus® Business Credit Card

If your small business doesn’t have any significant travel expenses, the Ink Plus® Business Credit Card is one of the best choices of credit card. Cardholders can effectively earn 5% back on office expense on the first $50,000 spent annually in combined purchases, as well as 2% back on gas and dining (also on the first $50,000 annually). If these sound like the major categories of spending your company deals with, we recommend the Ink Plus® Business Credit Card over the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®.

From a managerial standpoint, the Ink Plus® Business Credit Card also has the advantage. The primary cardholder can keep track of all individual employee spending – you even have the ability to set individual spending limits on each of the cards under the account. Features like this really help to differentiate the Ink Plus® Business Credit Card from its competitors.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® vs Starwood Preferred Guest® Business Credit Card from American Express

The Starwood Preferred Guest® Business Credit Card from American Express offers a combination of fantastic rewards and business solutions. If you or your employees travel a lot, and have to book hotel stays, this card’s rewards are unparalleled. Reserving nights at Starwood properties earns you an effective rate of 4.8% back on each dollar spent. All other spending nets you 2.4%. On top of this, the SPG Business card is part of American Express OPEN, which provides users with tools such as QuickBooks receipt matching, and the ability to designate account managers.

If you occasionally fly with American Airlines, the Starwood Preferred Guest® Business Credit Card from American Express can help – you can transfer Starpoints to AA miles at a rate of 1:1. The rewards aren’t quite as good in this scenario as they would had you been using the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, however. This is because the SPG Business credit card doesn’t give you the reduced mileage discount. We recommend the SPG card for any business with a lot of travel expenses, but without any or substantial American Airlines spending.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® vs Capital One Spark Select Credit Card

Image of Capital One Spark Select Credit Card

The Capital One Spark Select Credit Card allows its users to earn 2% cash back on all purchases – regardless of category. Small businesses that value flexibility above all else will find this aspect of the card particularly useful. While the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® has this card beat when it comes to purchases of American Airlines, telecommunications, car rental merchants and gas station purchases (2.7% vs 2%), keep in mind the form of your rewards. The CitiBusiness® card gives you back AA miles, which are only useful whenever you need to fly with American Airlines. On the other hand, the rewards earned through the Capital One Spark Select Credit Card act basically as a 2% rebate on all purchases – most will find cash a lot more useful over just air miles.

On the business benefit side of things, both cards underperform. Both the Capital One Spark Select Credit Card and the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® give you annual and quarterly reports of all spending. The Capital One® card has the slight edge, as it gives you the option to also instantly download purchase records into any number of formats (Quicken, QuickBooks, and Excel). This is a more efficient and flexible for accounting purposes.

Compare For Yourself

It's impossible for a review to fully encompass all the different needs and scenarios your business might find itself in. You can use the tool below to see what kinds of returns you can expect with various business credit cards. Simply enter your company's expected expenses and our tool will do the rest.

Edit Monthly Spend: $2,000
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Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Southwest Rapid Rewards® Premier Business Credit Card
Image of Southwest Rapid Rewards® Premier Business Credit Card $99 4.55%
$1,020
Get 60,000 points after you spend $3,000 on purchases in the first 3 months of opening your account.
$1,638
Graph Card More Details
Annual Fee $99
APR 16.74% - 23.74% Variable

Card Details

  • Get 60,000 points after you spend $3,000 on purchases in the first 3 months of opening your account
  • 2 points for every $1 spent on Southwest Airlines purchases
  • 2 points for every $1 spent on Rapid Rewards Hotel and Car Rental purchases
  • 1 point for every $1 spent otherwise
  • Flight change fees waived
  • Free bags - up to two per flight
  • Unlimited Reward seats
  • Points don't expire
  • No blackout dates
  • No Foreign Transaction fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.017 = $816
Bonuses
60,000 x $0.017 = $1,020
Less Annual Fees -$198
Total Net Estimated Rewards Through 24 Months 1,638
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
$0 Intro Annual Fee for the first year then $95 3.79%
$810
Earn 60,000 bonus miles after you spend $3,000 in the first 3 months
$1,363
Graph Card Read Review More Details
Annual Fee $0 Intro Annual Fee for the first year then $95
APR 15.24%

Card Details

  • 2 miles for every $1 you spend on American Airlines
  • 1 mile for every $1 spent on other purchases
  • First checked bag free for you and up to four traveling companions
  • Priority boarding
  • 25% discount on in-flight purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.014 = $648
Bonuses
60,000 x $0.014 = $810
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,363
Capital One® Spark® Cash for Business
$0 intro for first year; $95 after that 3.79%
$500
Earn a $500 bonus once you spend $4,500 on purchases in the first 3 months
$1,365
Graph Card Read Review More Details
Annual Fee $0 intro for first year; $95 after that
APR 17.99% (Variable)

Card Details

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 960 x $1 = $960
Bonuses
0 x $1 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,365
Capital One® Spark® Miles for Business
$0 intro for first year; $95 after that 3.79%
$500
Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months
$1,365
Graph Card More Details
Annual Fee $0 intro for first year; $95 after that
APR 17.99% (Variable)

Card Details

  • Earn 2 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 50,000 miles once you spend $4,500 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • $0 intro annual fee for the first year; $95 after that
  • There's no limit to the amount of miles you can earn
  • Redeem miles for travel, cash back, gift cards and more
  • No foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.01 = $960
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,365
Alaska Airlines Visa® Business Card
Image of Alaska Airlines Visa® Business Card $75 3.44%
$475
Earn 25,000 Bonus Miles after your first purchase
$1,237
Graph Card More Details
Annual Fee $75
APR 13.24%

Card Details

  • 3 miles per $1 spent on Alaska Airline tickets, vacation packages and cargo purchases made through Alaska Airlines
  • 1 mile per $1 spent on all other purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.019 = $912
Bonuses
25,000 x $0.019 = $475
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 1,237
United MileagePlus® Explorer Business card
Image of United MileagePlus® Explorer Business card $0 Intro Annual Fee for the first year then $95 3.80%
$600
$1,369
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $95
APR 16.49% - 23.49% Variable

Card Details

  • 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
  • 2 miles per $1 spent on business purchases in select categories, including restaurants, gas stations, and office supply stores
  • 2 miles per $1 spent on tickets purchased from United
  • 1 mile per $1 spent on all other purchases
  • The primary cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boardingEmployee cards at no additional cost
  • 10,000 bonus miles after you spend $25,000 on purchases on your card each calendar year
  • The primary cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.012 = $864
Bonuses
50,000 x $0.012 = $600
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,369
U.S. Bank FlexPerks® Business Edge™ Travel Rewards
$0 Intro Annual Fee for the first year then $55 4.19%
$340
Earn 20,000 bonus FlexPoints after the first $3,500 in net purchases within the first four months of account opening
$1,509
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $55
APR 12.24% to 18.24% Variable

Card Details

  • One FlexPoint for every dollar in net purchases
  • Double FlexPoints on gas, office supplies or airline purchases, whichever you spend most on each monthly billing cycle
  • Double FlexPoints on most cell phone purchases, including monthly bills, accessories and Internet charges
  • Up to a $25 airline allowance with each airline award ticket to use on baggage fees, in-flight food or drinks and more
  • Up to 25% off and a free car rental day each year at National Car Rental®
  • Free Hideaways Life® Newsletter Membership
  • $55 Annual Fee credit every year you spend $24,000 or more in net purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.017 = $1,224
Bonuses
20,000 x $0.017 = $340
Less Annual Fees -$55
Total Net Estimated Rewards Through 24 Months 1,509
Club Carlson Business Rewards Visa Card
$60 3.01%
$315
Earn 50,000 Gold Points after your first purchase; Earn 35,000 points once you spend $2,500 on your card within the first 90 days
$1,083
Graph Card More Details
Annual Fee $60
APR 14.24% - 23.24% Variable

Card Details

  • Earn 50,000 Gold Points after your first purchase
  • Earn 35,000 points once you spend $2,500 on your card within the first 90 days
  • 10 points per $1 spent at Carlson Rezidor hotels
  • 5 points per $1 spent everywhere else
  • Automatic upgrade to Gold Elite Status
  • Cardmembers who've already reached Concierge Elite Status will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status
  • Redeem Gold Points towards free nights at Carlson Rezidor hotels, gift cards, prepaid cards, charitable initiatives, vacation savings, and exchanges for airline miles
  • Visa Signature concierge privileges
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
  • Subject to credit approval

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240,000 x $0.004 = $888
Bonuses
50,000 x $0.004 = $185
35,000 x $0.004 = $130
Less Annual Fees -$120
Total Net Estimated Rewards Through 24 Months 1,083
WorldPoints® Travel Rewards for Business Visa® Card
Image of WorldPoints® Travel Rewards for Business Visa® Card No Annual Fee 2.84%
$160
5,000 bonus points after your first purchase; $100 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$1,024
Graph Card More Details
Annual Fee No Annual Fee
APR 11.24% to 21.24% Variable

Card Details

  • 3 rewards points per $1 spent for travel booked through Bank of America's Travel center
  • 1.5 rewards points per $1 spent on all other purchases
  • No annual fee
  • 0% Introductory APR for 9 billing cycles from account opening

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.012 = $864
Bonuses
5,000 x $0.012 = $60
0 x $0.012 = $100
Total Net Estimated Rewards Through 24 Months 1,024
Starwood Preferred Guest® Business Credit Card from American Express
$0 introductory annual fee for the first year, then $95 2.94%
$0
25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months
$1,057
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $95
APR 16.24% - 20.24% Variable
*Rates and Fees

Card Details

  • Earn 25,000 bonus Starpoints® after you use your new Card to make $5,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
  • Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
  • Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.024 = $1,152
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,057
Capital One® Spark® Miles Select for Business
$0 2.56%
$200
One time bonus of 20,000 miles once you spend $3,000 in the first 3 months
$920
Graph Card More Details
Annual Fee $0
APR 13.99% - 21.99% (Variable)

Card Details

  • Earn 1.5 miles per $1 on every purchase, every day
  • Plus, a one-time bonus of 20,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Miles won't expire for the life of the account, and there are no categories to limit where or what you buy
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
  • Pay no annual fee or foreign transaction fees
  • Get online Quarterly and Year-End Summaries
  • There's no limit to the amount of miles you can earn
  • Fly on any airline, anytime, with no blackout dates or seat restrictions

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.01 = $720
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 920
Capital One® Spark® Cash Select for Business
$0 2.56%
$200
One time bonus of $200 once you spend $3,000 in the first 3 months
$920
Graph Card More Details
Annual Fee $0
APR 13.99% - 21.99% (Variable)

Card Details

  • Earning unlimited 1.5% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $200 cash bonus once you spend $3,000 on purchases within 3 months from account opening
  • Save on interest with 0% intro APR on purchases for 9 months; 13.99%-21.99% variable APR after that
  • No annual fee
  • Use Spark Cash Select across all your business spend, with no categories to limit your purchasing
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 720 x $1 = $720
Bonuses
0 x $1 = $200
Total Net Estimated Rewards Through 24 Months 920
Ink Business Cash℠ Credit Card
$0 4.83%
$300
Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening.
$1,740
Graph Card Read Review More Details
Annual Fee $0
APR 14.24% - 20.24% Variable

Card Details

  • Earn $300 bonus cash back when you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No Annual Fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 1,440 x $1 = $1,440
Bonuses
0 x $1 = $300
Total Net Estimated Rewards Through 24 Months 1,740
Bank of America® Business Advantage Cash Rewards Mastercard® credit card
Image of Bank of America® Business Advantage Cash Rewards Mastercard® credit card No Annual Fee 3.22%
$200
$200 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$1,160
Graph Card More Details
Annual Fee No Annual Fee
APR 12.24% - 22.24% Variable

Card Details

  • 3% on purchases at gas stations and office supply stores (up to $250,000 in gas stations and office supply store purchases annually, 1% after that)
  • 2% on purchases at restaurants
  • 1% cash back on all other purchases
  • No annual fee
  • 0% introductory APR on purchases for the first 9 billing cycles

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.01 = $960
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 1,160
Marriott Rewards® Premier Business Credit Card
Image of  Marriott Rewards® Premier Business Credit Card $99 1.98%
$480
80,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
$714
Graph Card More Details
Annual Fee $99
APR 16.49% - 23.49% Variable

Card Details

  • 80,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
  • 5 points for every $1 spent at over 5,700 participating Marriott Rewards® and SPG® hotels.
  • 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies, restaurants, office supply stores, and for internet, cable and phone services purchases.
  • 1 point for every $1 you spend on all other purchases and your points don't expire as long as you make purchases on your credit card every 24 months.
  • Marriott Rewards Gold Elite benefits when you spend $50,000 on purchases each account year.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.006 = $432
Bonuses
80,000 x $0.006 = $480
Less Annual Fees -$198
Total Net Estimated Rewards Through 24 Months 714
SimplyCash® Plus Business Credit Card from American Express
$0 4.56%
$200
Earn a one-time $200 statement credit after you spend $5,000 or more in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
$1,640
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0
APR 13.24% - 20.24% Variable
*Rates and Fees

Card Details

  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 1,440 x $1 = $1,440
Bonuses
0 x $1 = $200
Total Net Estimated Rewards Through 24 Months 1,640
The Hawaiian Airlines® Business MasterCard®
Image of The Hawaiian Airlines® Business MasterCard® $89 1.81%
$350
Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
$652
Graph Card More Details
Annual Fee $89
APR 16.99% or 25.99% Variable

Card Details

  • Earn 35,000 bonus miles when you spend $1,000 on purchases in the first 90 days
  • Earn 2 miles for every $1 spent on Haiwaiian Airlines
  • Earn $1 for every $1 spent on all other purchases
  • Get $100 off a companion ticket for roundtrip coach travel between Hawaii and North America at each account anniversary
  • Earn 5,000 annual bonus miles after spending $10,000 or more in purchases by your account anniversary

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
35,000 x $0.01 = $350
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 652
Asiana Visa® Business Card
Image of Asiana Visa® Business Card $80 1.81%
$140
10,000 bonus miles after your first purchase
$652
Graph Card More Details
Annual Fee $80
APR 13.24%

Card Details

  • 2 miles per $1 spent on purchases from Asiana Airlines
  • 1 mile per $1 everywhere else

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.014 = $672
Bonuses
10,000 x $0.014 = $140
Less Annual Fees -$160
Total Net Estimated Rewards Through 24 Months 652
CitiBusiness ThankYou® Credit Card
Image of CitiBusiness ThankYou® Credit Card No Annual Fee 1.75%
$150
Earn 15,000 bonus ThankYou points after you spend $3,000 in the first 3 months
$630
Graph Card More Details
Annual Fee No Annual Fee
APR 13.24%

Card Details

  • Earn 15,000 bonus ThankYou points after you spend $3,000 in the first 3 months
  • Earn 3 ThankYou points for every dollar spent on purchases in quaterly rotating business categories
  • Earn 1 ThankYou Points for every $1 spent on other purchases
  • Unlimited points with no expiration
  • 24/7 customer service
  • Accident Insurance
  • Car Rental Insurance
  • Purchase Protection up to $10,000

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
15,000 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 630
U.S. Bank Business Edge™ Select Rewards Card
Image of U.S. Bank Business Edge™ Select Rewards Card $0* 1.61%
$100
Earn 10,000 bonus points after you spend $500 during the first 90 days after opening your account
$580
Graph Card More Details
Annual Fee $0*
APR 10.74% - 18.74%* (Variable)

Card Details

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 580
Business Preferred World MasterCard®
Image of Business Preferred World MasterCard® $0 Intro Annual Fee for the first year then $125 1.59%
$120
10,000 bonus points after the first purchase
$571
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $125
APR

Card Details

  • 1 rewards point per $1 on all purchases
  • Double rewards points on airline and hotel purchases for the first 12 months from account opening
  • 10,000 anniversary points each year
  • Double rewards points and hotel purchases for the first 12 months from account opening
  • Charge card
  • No preset spending limit

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.012 = $576
Bonuses
10,000 x $0.012 = $120
Less Annual Fees -$125
Total Net Estimated Rewards Through 24 Months 571
U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®
Image of U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® $0* 2.67%
$0
$960
Graph Card More Details
Annual Fee $0*
APR 12.74% - 18.74%* (Variable)

Card Details

  • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on all cellular, gas and office supply store net purchases
  • 1% cash back on all other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 960 x $1 = $960
Total Net Estimated Rewards Through 24 Months 960
Blue Business℠ Plus Credit Card
$0 1.33%
$0
$480
Graph Card More Details

Terms and Limitations Apply

Annual Fee $0
APR 12.24% - 20.24% Variable
*Rates and Fees

Card Details

  • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
  • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Total Net Estimated Rewards Through 24 Months 480
Capital One® Spark® Classic for Business
$0 1.33%
$0
$480
Graph Card More Details
Annual Fee $0
APR 23.99% (Variable)

Card Details

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Total Net Estimated Rewards Through 24 Months 480
Business Green Rewards Card from American Express OPEN
$0 introductory annual fee for the first year, then $95 1.21%
$50
5,000 points after your first purchase
$435
Graph Card More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $95
APR N/A
*Rates and Fees

Card Details

  • Earn 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Bonuses
5,000 x $0.01 = $50
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 435
Spirit Airlines World MasterCard® for Business Credit Card
Image of Spirit Airlines World MasterCard® for Business Credit Card $79 1.27%
$75
15,000 bonus miles after the first purchase
$456
Graph Card More Details
Annual Fee $79
APR 12.99% to 22.99% Variable

Card Details

  • 2 miles for every dollar you spend on purchases

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 96,000 x $0.005 = $480
Bonuses
15,000 x $0.005 = $75
Less Annual Fees -$99
Total Net Estimated Rewards Through 24 Months 456
Business Secured Credit Card
$0 Intro Annual Fee for the first year then $25 1.26%
$0
$455
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $25
APR 10.24%

Card Details

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Less Annual Fees -$25
Total Net Estimated Rewards Through 24 Months 455
Business Secured Visa® Credit Card
$0 Intro Annual Fee for the first year then $40 1.22%
$0
$440
Graph Card More Details
Annual Fee $0 Intro Annual Fee for the first year then $40
APR 16.49%

Card Details

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Less Annual Fees -$40
Total Net Estimated Rewards Through 24 Months 440
Ink Business Preferred℠ Credit Card
$95 1.14%
$0
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening
$410
Graph Card Read Review More Details
Annual Fee $95
APR 16.99% - 21.99% Variable

Card Details

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.013 = $600
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 410
The Plum Card® from American Express OPEN
$0 introductory annual fee your first year, then $250 1.31%
$0
$470
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee your first year, then $250
APR N/A
*Rates and Fees

Card Details

  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply. See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 72,000 x $0.01 = $720
Less Annual Fees -$250
Total Net Estimated Rewards Through 24 Months 470
The Business Gold Rewards Card from American Express OPEN
$0 introductory annual fee for the first year, then $175 0.98%
$0
Special Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
$353
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $0 introductory annual fee for the first year, then $175
APR N/A
*Rates and Fees

Card Details

  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
  • See Rates & Fees

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,800 x $0.01 = $528
Less Annual Fees -$175
Total Net Estimated Rewards Through 24 Months 353
Platinum Visa® Business Credit Card
No Annual Fee 0.28%
$100
$100 statement credit bonus after making at least $500 in purchases in the first 60 days of your account opening
$100
Graph Card More Details
Annual Fee No Annual Fee
APR 92.4% to 20.24% Variable

Card Details

  • No annual fee
  • 0% Introductory APR on purchases for 7 billing cycles

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Bonuses
0 - $100
Total Net Estimated Rewards Through 24 Months 100
Business Edge™ Platinum
Image of Business Edge™ Platinum $0* 0.00%
$0
$0
Graph Card More Details
Annual Fee $0*
APR 10.74% - 18.74%* (Variable)

Card Details

  • 0% Intro APR* on purchases and balance transfers for the first 12 billing cycles
  • No annual fee*
  • Free employee cards
  • Zero fraud liability* protects you against unauthorized transactions

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 0 - $0
Total Net Estimated Rewards Through 24 Months 0
The Business Platinum® Card from American Express OPEN
$450 -1.17%
$0
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
$-420
Graph Card Read Review More Details

Terms and Limitations Apply

Annual Fee $450
APR N/A
*Rates and Fees

Card Details

  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
  • Terms Apply

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 48,000 x $0.01 = $480
Less Annual Fees -$900
Total Net Estimated Rewards Through 24 Months -420

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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