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This offer is no longer available on our site: Capital One® Spark® Cash for Business
|Good sign-up bonus||Flight redemptions can only be booked with American Airlines or its partners|
|Free checked bag and inflight discounts||Double miles can only be earned on certain categories|
|Miles have competitive value according to our estimated point valuations|
|No blackout dates|
From cardholders in the last year
What you need to know about the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Many credit cards fall squarely in either the travel cards or business cards categories. But the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® tries to offer the best of both worlds. Here’s what you need to know about this credit card.
As a CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® cardholder, you receive a variety of American Airlines–related perks.
First, you get one free checked bag per flight. And this benefit extends to up to four companions traveling with you — which could save you a lot of money. Second, you’ll save 25% on inflight food and beverage and Wi-Fi purchases with the card. Third, you’ll receive a preferred boarding benefit.
Preferred boarding is nice. But it’s important to note that you won’t get priority privileges with this card, which could help you skip the line at security and check-in as well.
If priority privileges are important to you, you may want to check out the Citi® / AAdvantage® Executive World Elite™ MasterCard® instead. With that card, you’ll also get free Admirals Club membership (which includes access for your authorized users). But it does have a much higher annual fee of $450, compared to the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®’s annual fee of $0 intro, $99 after first year.
The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® comes with a nice 65,000-point sign-up bonus.
To earn the bonus, you’ll need to spend $4,000 on purchases within 4 months of account opening. That’s a fairly low minimum spending requirement for a business credit card.
You’ll also earn two miles per $1 on the following travel or business-focused expenses:
- Cable and satellite providers
- Select telecommunications merchants
- Car rentals
- Gas stations
- Eligible American Airlines purchases
And you’ll earn one mile per $1 spent on all other purchases.
Offering bonus miles for travel and business expenses is a good idea, but it’s a bit disappointing that the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® doesn’t offer more than two miles per $1 for any of its bonus categories — especially since some other top business cards offer double miles or 2% cash back on all purchases.
Finally, it would’ve been nice to see hotels included as a bonus miles category with this credit card. Since eligible airfare and car rentals earn double miles, it seems like an odd exclusion.
Good for international travel
One of the nice things about American Airlines is that it’s part of the Oneworld alliance. This means that your AAdvantage miles can be used to book flights with any Oneworld alliance partner airline, including popular international airlines like British Airways, Cathay Pacific and Japan Airlines.
And American Airlines has partnered with several additional international airlines outside of the Oneworld alliance, including Alaska Airlines, Hawaiian Airlines and Fiji Airways.
The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® also charges no foreign transaction fees, which could come in handy when you’re traveling abroad.
What else you need to know about the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®
Here are a few other details that you’ll want to keep in mind.
- Annual fee: This card comes with an annual fee of $0 intro, $99 after first year.
- Authorized users: Employees can be added as authorized users.
- Companion Certificate: You’ll earn a $99 Companion Certificate for domestic travel if you spend $30,000 on purchases within a cardmember year.
Understanding your miles and redemption
When it comes to flights, CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® miles can only be used to purchase an American Airlines ticket or a ticket with one of its partner airlines — you can’t just use your miles with any airline of your choosing. So if you’re looking for that kind of freedom, this isn’t the card for you.
But if you’re going to be “stuck” with one airline brand, American Airlines is pretty hard to beat. Since AAdvantage miles can be used on any of its partner airlines, you still get a lot of flexibility.
AAdvantage miles also have a high estimated value — we’ve valued them at 1.26 cents per point, as of summer 2019. Finally, there are no blackout dates on AAnytime® Awards flights.
Want to use your AAdvantage miles for something other than a flight? American Airlines also allows you to redeem for hotels and car rentals. You can redeem your miles for gift cards, too, via an American Airlines partnership with Points.com. But cash redemptions aren’t an option.
Who this card is good for
The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is designed for frequent small-business fliers who love the American Airlines brand. If that’s you, you may be able to take full advantage of the miles that you earn.
You can also enjoy the extra perks like a free checked bag, preferred boarding and discounts on in-flight purchases. But if you don’t fly often or you prefer a different airline, you’ll want to look for a different business credit card.
Not sure this is the card for you? Consider these alternatives.
- The Blue Business® Plus Credit Card from American Express: This card could be a good option if you need to finance a large business purchase.
- Ink Business Cash℠ Credit Card: If you spend a lot on office supplies, cable, internet and phone service, you could earn a lot of rewards with this card.
- Capital One® Spark® Cash for Business: If you’re looking for a credit card that offers 2% cash back for every purchase, this card could be a good fit.