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

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

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Editor's Rating

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A very good business credit card for any company which frequently flies its employees using American Airlines
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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Editor's Rating

?
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","showIcon":false,"tooltipLabel":"?"}

A very good business credit card for any company which frequently flies its employees using American Airlines
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
This product is not available through ValuePenguin.
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Citi is an advertising partner.

The usefulness and value of the CitiBusiness®/ AAdvantage® Platinum Select® 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® Mastercard® worthwhile for any small business that finds themselves flying with American Airlines at least several times per year.

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

The CitiBusiness®/ AAdvantage® Platinum Select® 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 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® Mastercard® is rather poor.

The best and only worthwhile feature of the CitiBusiness®/ AAdvantage® Platinum Select® 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® 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 on a regular basis.

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

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

Earning AAdvantage Miles Through Spending

Spending in select business categories with the CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®, will earn you 2 AAdvantage miles per $1. “Business categories” include the following: Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.

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.

Introductory Bonus: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

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

All of your employees' spending on their CitiBusiness®/ AAdvantage® Platinum Select® 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.

All transactions from your employees will count towards the $4,000 bonus requirement. Theoretically, if you don’t spend a dime, but one of your employees charges $4,000 to his card within the first 4 months of the account opening, you will still receive 65,000 miles.

How does the CitiBusiness®/ AAdvantage® Platinum Select® 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® Mastercard® and its leading competitors. In the sections below, we also explore the differences between the cards in greater detail.

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

Ink Plus® Business Credit Card
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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® Mastercard®.

CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® vs Marriott Bonvoy Business™ American Express® Card

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The Marriott Bonvoy Business™ American Express® Card offers a combination of fantastic rewards and business solutions. If you or your employees travel a lot, and have to book hotel stays often then this card’s rewards are lucrative. We estimate each point you earn with the card to be worth nearly a cent at $0.009. Our estimate is based off of the rewards you can earn through the redemption of your points. Of course, your mileage will vary as it’s possible to achieve lower or higher rewards rates.

Since we estimate each point to be worth $0.009, then that means reserving nights at Starwood Properties earns you a 5.4% rewards rate on each dollar spent (6 points x $0.009). You’ll earn a 3.6% rewards rate on U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping (4 points x $0.009). All other spending nets you a 1.8% rewards rate (2 points x $0.009).

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® vs Capital One® Spark® Cash for Business

Capital One® Spark® Cash for Business
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The Capital One® Spark® Cash for Business allows its users to earn 2% Cash Back for your business on every purchase, everywhere – regardless of category. Small businesses that value flexibility above all else will find this aspect of the card particularly useful. The CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® 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® Cash for Business act basically as a 2% rebate on all purchases – most will find cash a lot more useful over just air miles.

The information related to the CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

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.

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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.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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