CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Review

Limited-time offer. The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is a solid business travel card from Citi and American Airlines. They have recently boosted their sign-up bonus with a limited-time offer. I am still busy accumulating miles as I fully believe that we will be traveling once again. Here are the details:

  • 70,000 American Airlines bonus miles after $4,000 in purchases within the first 4 months.
  • First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions.
  • Preferred boarding on American Airlines flights.
  • 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases.
  • 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • 1 AAdvantage® mile per $1 spent on other purchases
  • No foreign transaction fees.
  • Annual fee $99, waived for the first 12 months.

Note the following fine print:

American Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a CitiBusiness® / AAdvantage® Platinum Select® account in the past 48 months.

To clarify, you can have one of both the consumer version of this card and this business version under your name. The bonuses are also separate.

Baggage fee value. Currently, American Airlines recently joined the other airlines and now charges $30 one-way for the first checked bag and $40 one-way for the second checked bag in Economy. That’s $60 roundtrip for a single checked bag, per person. With this card, your first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.

Redemption tips. American Airlines MileSAAver awards are still 25,000 miles for a round-trip ticket within the contiguous 48 states. Their online system is pretty good for looking for domestic AA awards. If the trip is less than 500 miles, then it is only 15,000 miles round-trip within the contiguous 48 states. Under-500 miles routes include Las Vegas to/from Los Angeles, Charleston to/from Miami, New York to/from Washington DC, Philadelphia to Boston, and many others.

This card also makes you eligible for Reduced Mileage Awards, where you save up to 7,500 miles on roundtrip MileSAAver® awards to select destinations on American Airlines operated flights.

Companion Certificate perk. I don’t see this available on the consumer version of this card: Earn an American Airlines Companion Certificate for domestic main cabin travel after you spend $30,000 or more in purchases each cardmembership year and cardmembership is renewed. Redeeming the certificate costs $99 for the ticketing fee plus $21.60 to $43.20 in government taxes and fees, based on itinerary.

Business card eligibility. Many people aren’t aware that they can apply for business credit cards, even if they are not a corporation or LLC. Any individual can be a small business. Perhaps you sell items on eBay, Craiglist, or Etsy. Maybe you do some graphic design, web design, freelancing and/or consulting. If you received a 1099-MISC tax form and filled out a Schedule C, that means you have business income, you pay self-employment taxes, and you’re a sole proprietorship. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

Bottom line. The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® offers a lot of potential value when you regularly fly on American and use the early boarding and free first checked bag benefit (now $60 per person, roundtrip). Right now, there is a limited-time sign-up bonus and the annual fee is waived for the first year.

Please note this a business card, designed specifically for businesses. Click here for the consumer version.

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CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Review from My Money Blog.


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