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

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

A very good business credit card for any company which frequently flies its employees using American Airlines
Editor's Rating: 4.0/5.0

Editor's Rating

4.0/5.0

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.

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.

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 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, 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.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Annual Fee
$99, waived for first 12 months*
Purchase APR
17.74% - 25.74%* (Variable)
Credit Needed Excellent/Good
Details
  • Designed for businesses
  • For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
  • New: 25% savings on American Airlines inflight Wi-Fi when you use your card*
  • Enjoy preferred boarding on American Airlines flights*
  • 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*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
  • No Foreign Transaction Fees*

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 flights using the card, you will also earn 2 miles per $1. Other charges 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.

Introductory Bonus: After making $4,000 in combined purchases, within the first 4 months of opening a CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® account, users will receive 70,000 bonus American Airlines AAdvantage miles.

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

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.

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 the 70,000 miles.

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

Ink Plus® Business Credit Card
This card is not available through ValuePenguin.

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®.

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 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).

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

Capital One Spark Select Credit Card
This card is not available through ValuePenguin.

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. The CitiBusiness® / AAdvantage® Platinum Select® World 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 Select Credit Card act basically as a 2% rebate on all purchases – most will find cash a lot more useful over just air miles.

Comments and Questions

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 see our disclosure page

* 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.

Info about the following cards: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and Amazon Business American Express Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

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.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card 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).

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