Are you in the market for a new card and considering the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to other cards on the market.
First, let's cover the basics. In reviewing the card, we rated it a 4.3 out of 5.0, which means that like many other cards, we found the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® to have some solid benefits and some possible drawbacks.
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is for business owners who want to earn free and reduced flights with American Airlines, among other travel perks that save time and money, like priority boarding and inflight discounts.
Next up, let's dive into the details you should consider before applying. Here's a rundown of the card's key features, rates, and terms:
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BEST OVERALL RATING
★★★★★
4.3
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending 4,000 within 4 months of account opening
- Earn 2X miles for every $1 spent on American Airlines purchases and at cable and internet providers, gas stations, select telecommunications merchants, and car rental services — all other purchases earn 1X points
- First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions
- 25% savings on American Airlines inflight WiFi, food, and beverage purchases when you use your card
- Earn an American Airlines Companion Certificate for domestic travel after $30,000 in purchases each card membership year and card membership is renewed. Fees apply.
- $0 intro annual fee, then $99
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N/A
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N/A
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20.49% - 29.49% (Variable)
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$99, waived first 12 months
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Excellent, Good
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Additional Disclosure: (The information related to CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.)
There's certainly a lot to like about the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®. But just like with other cards we review, we stress that potential applicants should pay attention to this card's rates and fees as part of the bigger overall picture.
Let's dive deeper into those rates and fees, as they could make or break whether owning the card makes sense for you and your financial situation.
The interest rate, also known as APR (annual percentage rate), tells you what percentage of your balance you can expect to pay in interest annually if you carry a balance.
According to the issuer, the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® currently charges the following interest rates on purchases and balance transfers:
- Purchase Intro: N/A
- Balance Transfer Intro: N/A
- Regular APR: 20.49% - 29.49% (Variable)
Another possible expense to consider is the annual fee, which is the amount a cardholder is required to pay each year for the privilege of owning a particular card.
Here's the annual fee for the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® as listed by the issuer:
- Annual Fee: $99, waived first 12 months
See site for details »
So far, we've covered the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® in great detail, from its many benefits to its current rates and fees. But what are your odds of approval? What credit score is needed to become a cardholder?
According to the issuer, the current general credit history requirement for the card is:
- Credit Level: Excellent, Good
If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.
Keep in mind that rates and features may change, so if you like what the card is offering today, you may want to apply now to lock it in its current terms before it's too late.
We've discussed the many benefits, drawbacks, and requirements of the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®, but how does it rank versus similar cards on the market? Below are all the category-specific ratings our team gives the card, along with the card's ranking within each category.
Quick hint: Want to see our best-reviewed cards in each category? Simply click the category name to see our top picks:
All told, our team's review of the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® resulted in a rating of 4.3 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks. If you determine that it's a fit for your needs, you may want to apply soon, as terms throughout the industry change regularly.
We hope our guide has been helpful in learning all you need to know about the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®. We wish you the very best on your financial journey!
Be sure to visit the official website for CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® to learn complete details about its features and terms. If you’re not quite sure if CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® is right for you, we encourage you to check out these guides to popular alternatives:
Before applying for the CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard® offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.
Toby founded Digital Brands, the parent company of CardRates.com and its sister sites, and now serves as Chairman of the Board. He lends his 15 years of credit card industry experience to educate consumers on the responsible use of credit. His knowledge base spans credit card reward programs to credit repair, lending, and credit bureau reporting.
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