2021 Review: CitiBusiness / AAdvantage Platinum Select World Mastercard – AA+ Amenities and Valuable Miles
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The CitiBusiness / AAdvantage Platinum Select World Mastercard would bolster your American Airlines experience by getting you to the plane faster and saving you a bit of money. It’s rewarding so long as you redeem your miles for award flights either with AA or its partners. However, the benefits aren’t the best.
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Our Rating: 4 Out of 5 Stars
We give the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® 4 out of 5 Stars. It’s a rewarding card, provided you redeem for award flights, and it could save you some money on your business trips.
Why We Like It
- Valuable miles that can be used with AA or any airline in the oneworld alliance
- 25% in-flight discount
- First checked bag free
- Priority boarding
- Earn an American Airlines companion certificate after spending $30,000 in a card membership year
- 70,000 AAdvantage bonus miles for spending $4,000 within the first 4 months of account opening
- No foreign transaction fees
Why It Could Be Better
- Only basic business and airline benefits
- No shopping or travel protections
Small business owners who prefer to fly with AA would find plenty of use here. The CitiBusiness / AAdvantage card will not only get you to your plane faster, but it’ll also earn you a little something back for your and your employees’ trips.
Most of the benefits are geared at making your flight experience less expensive, and by redeeming for award flights either with AA or the other airlines in the oneworld alliance, you could see an impressive return on your business spending.
With priority boarding, cardholders won’t have to wait as long as usual to find their seats, and you won’t be charged for your first checked bag. However, there are no shopping or travel protections attached, which most travel cards do offer, especially ones with annual fees (in this case, $99, waived for first 12 months).
Insider Advice: Getting the Most Out of Your Card
- Fly American Airlines: You’ll benefit the most from your card when it’s used on AA flights. You’ll earn 2X miles per dollar for eligible American Airlines purchases, and most of the benefits cater to your flight experience.
- Use it for gas: You’ll even earn 2X miles per dollar on gas, so bring it with you when you fill up your tank.
- Make sure to swap over your cable and satellite payments: Not only will the CitiBusiness card earn on gas and AA flights, but it earns on cable and satellite services too. If you’re using auto-pay, make sure you swap over to this card.
- Use it for car rentals: In need of a vehicle while on your business trip? Charge it to your card to earn 2X miles per dollar. But you don’t get any rental car insurance, like some cards offer.
- Redeem for award flights, and take a look at AA’s partners: You’ll get the best value for your miles if you redeem for award flights. And don’t forget to take a look at the oneworld airline alliance. AA belongs to the oneworld alliance, and you can use AA miles with any other airline in the group. AA also has a few hotel partners to choose from, meaning flights aren’t the only thing you can pay for with your miles.
- Buy discounted WiFi: If you need time to work, you can purchase in-flight WiFi at a 25% discount. So if you forgot to send that report or have to finish up an article, you’ll be able to on your flight.
- Bring someone with you on the road: If you manage to spend $30,000 in a card membership year, you’ll earn a companion ticket. If you have a family member or a friend you’d like to bring (or an employee), now you can.
If AA miles are worth 1–2 cents, at the 2X miles per dollar rate, that’d be a cash back equivalent of 2%–4%. But for AA flights, with the AAdvantage member bonus miles, at 7X miles per dollar you’d see a cash back equivalent of 7%–14%.
In addition to the miles the card earns, you’ll earn an additional 5X miles for AA flights thanks to the basic American Airlines AAdvantage membership.
But the bonus miles don’t stop there. If you’re able to increase your AAdvantage membership tier, you’ll earn even more miles per AA flight. To move up the ranks, you’ll need to earn enough Elite Qualifying Dollars (EQDs), plus enough Elite Qualifying Miles (EQMs) or Elite Qualifying Segments (EQSs).
Take a look at the different tiers and the requirements to reach them (excluding the basic):
Miles can be used for:
- AA award flights or with any of the partners in the oneworld airline alliance (best value)
- Admirals Club membership
- Hotel stays with AA’s hotel partners
- Car rentals
AA’s hotel partners include: Best Western Hotels and Resorts, PointsHound, and Wyndham Hotels and Resorts. But AA states you can redeem your miles for hotels and car rentals at over 150,000 locations in 500+ destinations worldwide.
How Do I Redeem Miles for AA Award Flights?
It’s a very simple process of heading over to American Airlines’ website, searching for your desired flight, and indicating that you’d like to use miles instead of cash.
We ran through a few examples of one-way flights to give you an idea of what your miles could be worth.
|Flight||Mile Cost||Dollar Cost||Mile Value|
|DEN to ATL||12,500 + $5.60||$128.00||1.02 cents|
|ROC to ORD||12,500 + $5.60||$349.00||2.79 cents|
|JFK to IND||10,000 + $5.60||$196.00||1.96 cents|
|MCO to CMH||12,500 + $5.60||$235.00||1.88 cents|
|PHX to SYR||14,500 + $5.60||$298.00||2.05 cents|
Keep in mind that flight prices are volatile and won’t be exactly the same as what’s listed above. When you plan to fly, and where you’re going to and coming from will affect the price. That said, AA miles are pretty valuable.
At the high end, flying from Rochester to Chicago, and assuming you’re earning 7X miles per dollar for AA flights (2X from the card, 5X from the AA membership), you’d see a cash back equivalent of 19.48%. That’s a pretty great equivalent. But at the low end, for the flight from Denver to Atlanta, you’d see a cash back equivalent of 7.15%, which is significantly lower. But keep in mind these numbers aren’t set in stone. If you plan early enough, you might be able to find a better value for your miles.
Unfortunately, the AAdvantage Platinum Select doesn’t offer too much in the way of benefits, which is interesting considering the annual fee. Most travel cards would include a selection of shopping and travel protections, but not here. However, you could still find some value in the in-flight discounts and free checked bag, plus save some time with priority boarding.
Citi might include additional benefits to what’s listed here, so be sure to check your Guide to Benefits that’s issued with your card.
- Preferred boarding for AA flights: You and four companions on the same reservation will be able to board with Group 5 when it comes time to enter the plane.
- 25% in-flight WiFi discount: Spend a little less for in-flight WiFi when you use your card to purchase it.
- 25% in-flight food and beverage discount: Save some money on in-flight snacks and drinks, making your flight just a little better.
- First checked bag free: You and up to four travel companions will have the fees for your first checked bags waived on eligible domestic flights.
- Companion ticket: Spend $30,000 in a card membership year and renew your card to earn a companion ticket.
- 10% AA vacation discount: You’ll get a 10% discount when booking a combination of two or more travel methods through American Airlines. These include hotel stays, car rentals, and flights.
- AAdvantage Dining: Earn miles at a faster rate when dining at local spots. Search for applicable restaurants online with American Airlines.
- SimplyMiles: Join SimplyMiles using your AAdvantage member and card number, choose your special offers and shop online to earn additional miles.
- Employee cards: You can add authorized users and issue employee cards at no additional charge.
- Personal business assistant: Utilize a 24/7 business assistant to help with travel, dining, and hotel arrangements.
The Terms & Fees
|Purchase APR||Balance Transfer APR||Cash Advance APR|
|15.99% - 24.99% (Variable)||None||25.24% (Variable)|
|Annual Fee||Foreign Transaction Fee|
|$99, waived for first 12 months||0%|
|Balance Transfer Fee||Cash Advance Fee|
|None||5% of each cash advance; $10 minimum|
|Penalty APR||Late Fee||Returned Payment Fee|
|Up to 29.99% (Variable)||$39||$39|
The Bottom Line
The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is by no means a bad card. When it comes to rewards, it’s pretty lucrative so long as you’re redeeming miles for award flights either with AA or its partners. The benefits, while lackluster, will save both time and money. And while it has an annual fee, it won’t apply for a full year.
However, it’s missing travel protections that most travel cards with annual fees have, leaving you a little less secure when it comes to things like delayed flights or lost luggage. This could be an issue if you’re frequently traveling for business, but if you’re only on the road every so often, maybe not so much.
The companion pass is a nice feature, and depending on how much your business spends, could be reachable. Regardless, this card would make your American Airlines flights a little less expensive, and get you to your plane seat faster, things every businessperson loves.
How Do I Apply for the CitiBusiness / AAdvantage Platinum Select Card?
Follow the link below to be directed to the credit card issuer’s site. You can safely fill out an application, and Citi will typically get back to you instantly with its decision.
What Credit Scores Do I Need To Qualify for the CitiBusiness / AAdvantage Platinum Select Card?
It’s recommended that you have excellent credit before applying.
To be counted as excellent, your FICO scores would need to be at least 800 or your VantageScores need to be at least 750.
However, it’s worth noting credit card issuers consider more information than just credit scores when deciding someone’s creditworthiness. Things like income and monthly rent or mortgage payments factor into the decision. The added information could lead to your approval even if your credit scores aren’t at the recommended level. But it also means you could be denied even if they are high enough.
Frequently Asked Questions
How many miles does the CitiBusiness / AAdvantage Platinum Select Card earn?
The AAdvantage Platinum Select earns 2X miles per dollar for:
- AA purchases
- Cable and satellite providers
- Gas stations
- Car rentals
- Select telecommunication merchants
And 1X mile for everything else. Curious what AA miles are worth? Take a look at our breakdown of the CitiBusiness / AAdvantage Platinum Select’s redemption options.
What are the benefits for the CitiBusiness / AAdvantage Platinum Select Card?
The true benefit of the card rests in the value of its miles (2X per dollar with AA, plus your regular member miles) and the perks it comes with.
We found AAdvantage miles to be worth about 1–2 cents, which as long as you redeem them for award flights, could net you an impressive cash back equivalent.
The card also comes equipped with priority boarding and in-flight food, drink, and WiFi discounts to save you both time and money.
Can I upgrade my CitiBusiness / AAdvantage card?
No, the CitiBusiness / AAdvantage card is the only co-branded AA business card available from Citi.
You can, however, upgrade the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® (Review) to the Citi® / AAdvantage® Executive World Elite Mastercard® (Review).
Alternatives to the CitiBusiness / AAdvantage Platinum Select World Mastercard
The information related to The Hilton Honors American Express Business Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The information related to Delta SkyMiles® Reserve Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Do you have the CitiBusiness / AAdvantage Platinum Select World Mastercard? How has it enhanced your business trips? Let us know how you like the card in the comments below!American Airlines offers quite a few credit cards. Which one is best for you? American Airlines Credit Cards: Here’s How to Pick the Right One for You
Evan graduated from SUNY Oswego with a degree in journalism and creative writing. In his professional writing career, he strives for precision and comprehension in his work. He’s written news articles, blog posts, and copy, working across a slew of different mediums. With in-depth research and great care for accuracy and detail, he now works to bring you the most up-to-date credit information.
The information related to Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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