What is the average credit score needed to get approved for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®?

The average credit score needed to get approved for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a credit score of at least 660, but you will have a better chance of approval if you have a score of 700 or higher.

Does the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® report to all three credit bureaus?

Yes, the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® reports to all three credit bureaus.

Is the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® application process lengthy? Can you prequalify?

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® application process is not lengthy and can be done online. In most cases, Citi processes credit card applications within 10 business days. If approved, you can expect to receive your Citi credit card within 14 days.

What information is needed to apply for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®?

To apply for a CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you need to provide your personal details, including name and address as well as your financial information, including source and level of income.

Does the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® have good customer service or satisfaction?

Citi has great customer service. They were ranked the highest in the <a href="https://www.citigroup.com/citi/news/2020/200210a.htm" target="_blank">J.D. Power U.S. Retail Banking Advice Satisfaction Study.</a>

Does the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® have a mobile app or the option to pay or manage your account online?

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has a mobile app and the option to manage your account online. You can make payments, view transactions and redeem rewards online or using the Citi mobile app.

Does the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® raise credit limits automatically or charge for limit increases?

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® may raise credit limits automatically after periodic reviews of your account depending on your creditworthiness and payment history. You can also choose to request a review of your credit limit after six months.

Does the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® offer the option to freeze your credit/account or have other security features?

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has zero liability on unauthorized charges to protect you against fraud. Cardholders also get fraud alerts in case of any suspicious transactions.

Does Citi offer other credit cards besides the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®?

Yes, Citi offers other credit cards besides the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, including American Airlines AAdvantage MileUp℠ Card and Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.

CitiBusiness®/AAdvantage® Platinum Select® Mastercard®

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
One of the top business travel cards for frequent American Airlines travelers
- 1–2 Miles per $1*Rewards Rate
- 21.24% – 29.99% VariableAPR
- $99Annual Fee
- ExcellentRecommended Credit
We recommend this CitiBusiness® / AAdvantage® Platinum Select® Mastercard® card to business owners who wish to capitalize on their spending toward American Airlines flights. While you earn 2x miles per dollar on eligible American Airlines purchases, you also earn 2x miles at gas stations and on payments made toward cable and satellite providers, car rental merchants, and telecommunications merchants. All other purchases come with 1x miles.
All new cardholders get to earn 65,000 bonus miles by spending $4,000 on purchases in the first four months. If you spend $30,000 or more on purchases each year, you qualify for an American Airlines companion certificate for domestic main cabin travel. You get for first bag checked for free on American Airlines and may also benefit through preferred boarding.
Using this card outside of the U.S. makes sense as it comes with no foreign transaction fees. You can save 25% on American Airlines in-flight food, beverage and Wi-Fi purchases. The $99 annual fee is waived for the first year.
Pros
$0 foreign transaction fees
Generous welcome bonus
Convenient travel perks on American Airlines flights
Extensive network of partner airlines via OneWorld Alliance

Cons
$99 Annual fee
No access to airport lounges
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first four months
25% savings on American Airlines inflight Wi-Fi when you use your card
First checked bag is free on domestic American Airlines
Enjoy preferred boarding on American Airlines flights
Earn two miles per dollar spent on telecommunication, cable and satellite, car rental and gas purchases
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

WHY TRUST OUR REVIEWS

Our methodology and review process helps us determine the best credit cards for different consumer profiles based on card fees, interest rates, rewards, benefits and more. MoneyGeek uses a six-step process that involves collecting credit card information, standardizing data point weights, establishing the card’s value and ranks for different categories, reviewing data monthly and reprocess rankings, among other key rating factors.

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard®’s benefits are ideal for any business with frequent travel expenses. One of the key perks of this card is the generous rewards on telecom expenses, cable and satellite purchases as well as car rentals and gas stations. This card also comes with several conveniences that a frequent flyer will appreciate, including preferred boarding and 25% off on in-flight food and beverage purchases.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Overview

It’s important to understand the benefits and rewards before signing up for any credit card. This way you can analyze your spending habits and determine if you’ll be able to maximize the card’s perks.

Quick Take

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first four months
25% savings on American Airlines inflight Wi-Fi when you use your card
First checked bag is free on domestic American Airlines
Enjoy preferred boarding on American Airlines flights
Earn two miles per dollar spent on telecommunication, cable and satellite, car rental and gas purchases

Important Card Details

Before signing up for a Citi CitiBusiness AAdvantage Platinum Select Mastercard, here are some of the fees that you should be aware of.

Annual Fee
This card comes with a $99 per year annual fee. For the first 12 months, this fee will be waived, so you will start paying the annual fee from the second year.
APR on Purchases
The APR on purchases for the CitiBusiness AAdvantage Platinum Select Mastercard is 20.99% – 29.99% based on your creditworthiness. The APR will vary based on the prime rate in the market. This card does not have an introductory APR offer.
Penalty APR
When you make a late payment or make a payment that is returned, a penalty APR of 29.99% will be applied to your account. Paying your bill by the due date, which is 23 days from the close of the billing cycle, will help you avoid these penalty fees. The penalty fee for late or returned payment is $39 for either.
Foreign Transaction Fees
One of the key CitiBusiness® / AAdvantage® Platinum Select® Mastercard® benefits is that it has no foreign transaction fees and will not attract additional charges when used outside the United States.
Miles Rewards Rate
With the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you will earn two miles per dollar on eligible American Airlines, telecommunication, cable and satellite providers, car rentals and gas station purchases. All other eligible purchases earn you one mile per dollar. Every mile you earn is worth 2.06 cents.

Additional Benefits

Some of the standard features of the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® include:

American Airlines companion certificate: If you spend $30,000 or more on qualifying purchases with this card, you will earn the American Airlines Companion Certificate. This allows you to book a round-trip economy flight for a companion for $99, plus taxes and fees.
Personal business assistant: As a cardholder, you have access to a personal assistant for conveniences such as researching vendors or ordering a gift for a client.
MasterAssist: This feature will help you get travel information such as visa or immunization requirements. You can also use this feature in case you lose your travel documents such as your passport or visa.
Worldwide travel accident insurance: When traveling on a common carrier, you get up to $1,000,000 in coverage in case of serious injury or death.
MasterRental insurance coverage: With the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you get coverage of up to $50,000 for physical damage when renting a car for less than 31 days.
Customer service: Citi has round-the-clock customer service for cardholders. You can reach customer service via telephone or through your online account or Citi’s mobile app.
Security features: The CitiBusiness AAdvantage Platinum Select Mastercard comes with chip technology and digital wallets that allow you to seamlessly shop from apps and stores while safeguarding your card details.

How the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Compares To Other Cards

Compared to similar cards in the same category, the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® benefits are well worth the annual fee, especially for those who are regular users of American Airlines. This card also offers a competitive rewards rate, especially on business-related expenses and American Airlines purchases. However, it is still worth comparing this card with other options to ensure you get the right card for your wallet.

How the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Compares

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Annual fee: $99, waived for the first year.
Purchase APR: 20.99% – 29.99% variable
Foreign transaction fee: None
Rewards rate: Two miles per dollar for American Airlines purchases, telecom, cable, satellite, car rental and internet.
Mini Verdict: Best for frequent business travelers who use American Airlines.

Ink Business Preferred® Credit Card

Annual fee: $95
Purchase APR: 20.99% – 25.99% variable
Foreign transaction fee: None
Rewards rate: Three points per dollar for travel, shipping purchases, Internet, cable and phone services and on advertising purchases, one reward point for all other purchases
Mini Verdict: Best for business travelers who are not loyal to a specific airline.

Frequently Asked Questions

sources

American Airlines. "CitiBusiness AAdvantage Platinum Select Mastercard." Accessed September 10, 2021.
Citi. "Citi Tops J.D. Power Study of Customer Satisfaction with Retail Banking Advice." Accessed September 8, 2021.
Citi. "CitiBusiness AAdvantage Platinum Select Mastercard." Accessed September 10, 2021.
Chase. "Ink Business Preferred Credit Card." Accessed September 10, 2021.
Forbes Advisor. "CitiBusiness/AAdvantage Platinum Select Mastercard 2021 Review." Accessed September 10, 2021.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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MoneyGeek’s Take

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Review

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