Centrale Solaire

CitiBusiness AAdvantage Platinum Select American Airlines card review – Business Insider

A leading-edge research firm focused on digital transformation.
Good
Subscriber since
This post contains links to products from our advertisers, and we may be compensated when you click on these links. Our recommendations and advice are ours alone, and have not been reviewed by any issuers listed. Terms apply to offers listed on this page. Read our editorial standards.
Disclaimer: Citi is an Insider advertising partner.
Bottom line: The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a good choice for small-business owners who fly American Airlines. Along with a hefty welcome bonus, it offers day-of-travel perks like a free first checked bag on domestic AA itineraries, preferred boarding, and inflight discounts.
Frequent flyers have several choices if they’re looking for an American Airlines co-branded credit card, including options from Citi and Barclays with varying annual fees. However, there’s only one American Airlines small-business credit card available to new applicants right now, and it’s a great pick if you’re looking for a substantial welcome bonus and travel benefits.
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® currently offers 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. That’s enough for at least three domestic round-trip economy tickets or a round-trip award flight to Europe, and you don’t have to redeem your miles on American — you can use them for partner award flights, too.
You’ll also receive valuable perks when you fly American Airlines, including a free first checked bag on domestic itineraries for yourself and up to four companions, preferred boarding, and a 25% savings on inflight food, beverages, and Wi-Fi when you use your card. 
Cardholders earn 2x miles on American Airlines purchases, eligible purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations. If your small business spends a lot in these categories, this card offers an easy way to rack up a lot of American Airlines miles quickly.
Starting in 2022, qualifying for elite status with American Airlines AAdvantage is now based on earning Loyalty Points. Along with earning Loyalty Points from flying and partner spending, you can earn 1 Loyalty Point per dollar spent on co-branded American Airlines cards, including the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®.
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® also offers a valuable perk for big spenders. Each cardmember year when you spend $30,000 or more and renew the card, you’ll receive a companion certificate that allows a companion to join you for $99 plus the cost of taxes and fees.
To be eligible to apply for the card, you’ll need to have a small business — but it doesn’t have to be a large corporation or even an LLC. Side gigs like freelancing, having a rental property, or even driving for Uber can qualify you for a small-business credit card.
Keep in mind you won’t be eligible for this offer if you’ve received a new account bonus for a CitiBusiness® / AAdvantage® Platinum Select® Mastercard® in the past 48 months. However, if you have a personal American Airlines card, like the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, it won’t disqualify you from opening this card.
Read more: Guide to the best airline credit cards
If you don’t fly American Airlines often enough to take advantage of the card’s benefits, you may want to consider opening a card that earns flexible rewards points instead. Although American Airlines isn’t a transfer partner of any of the major transferable points programs, you can redeem points from programs like Chase Ultimate Rewards, Citi ThankYou Rewards, Amex Membership Rewards, and Capital One for travel on most airlines by booking flights through the issuer’s respective travel portal.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Citi® / AAdvantage® Executive World Elite Mastercard®
Annual fee
$99, waived for first 12 months
$99, waived for first 12 months
$450
Rewards rate
2x miles on eligible American Airlines purchases
2x miles on eligible purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
1 mile per dollar on all other eligible purchases
2x miles on eligible American Airlines purchases
2x miles at eligible restaurants and gas stations 
1 mile per dollar on all other eligible purchases
2x miles on eligible American Airlines purchases
1 mile per dollar on all other eligible purchases
Welcome bonus
65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening
50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening
50,000 miles after you spend $5,000 within the first three months of account opening
Card benefits
Free first checked bag on American Airlines domestic itineraries
Preferred boarding on American Airlines flights
25% back on American Airlines inflight purchases
Domestic companion certificate when you spend $30,000 on purchases in a calendar year and renew your card
No foreign transaction fees
Free first checked bag on American Airlines domestic itineraries
Preferred boarding on American Airlines flights
$125 American Airlines flight discount when you spend $20,000 or more in an account anniversary year and renew your card
No foreign transaction fees
Free first checked bag on domestic American Airlines itineraries
Priority screening, check-in, and boarding on American Airlines
Admirals Club membership
25% back on inflight purchases as a statement credit
Global Entry or TSA PreCheck application fee credit
No foreign transaction fees
Review
Citi AAdvantage Platinum Select World Elite Mastercard review
Citi AAdvantage Executive credit card review
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
United℠ Business Card
Delta SkyMiles® Gold Business American Express Card
Annual fee
$99, waived for first 12 months
$0 intro annual fee the first year, then $99
$99 (with a $0 intro for the first year) (See Rates)
Rewards rate
2x miles on eligible American Airlines purchases
2x miles on eligible purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations
1 mile per dollar on all other eligible purchases
2x miles on United purchases
2x miles on dining, gas stations, office supply stores, and local transit and commuting
1 mile per dollar on all other purchases
2x miles on Delta purchases
2x miles on eligible U.S. purchases for advertising in select media, U.S. shipping purchases, and dining
1 mile per dollar on all other eligible purchases
Welcome bonus
$99, waived for first 12 months
75,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening
50,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new card in the first 3 months from account opening
Card benefits
Free first checked bag on American Airlines domestic itineraries
Preferred boarding on American Airlines flights
25% back on American Airlines inflight purchases
Domestic companion certificate when you spend $30,000 on purchases in a calendar year and renew your card
No foreign transaction fees
Two United Club one-time passes per anniversary year
Free first checked bag on United flights* 
Priority boarding on United flights
25% back on United inflight purchases
$100 United credit***
5,000 bonus miles each card anniversary when you have the United Business Card and a personal United credit card
500 Premier Qualifying Points (PQP) for every $12,000 you spend on purchases****
Expanded access to United award flights
No foreign transaction fees
Free first checked bag on Delta flights
Priority boarding on Delta flights
$100 Delta flight credit*****  
20% back on Delta inflight purchases
Access to Delta Pay With Miles
No foreign transaction fees (See Rates)
Review
United Business Card review
*When you use your card to pay for your ticket, or the taxes and fees on an award ticket
***$100 United credit after making seven or more United flight purchases of $100 or more each card anniversary year
****Up to 1,000 PQP in a calendar year
*****After you spend $10,000 on purchases in a calendar year
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® doesn’t just offer bonus miles when you use the card for American Airlines purchases. Other common small-business expenses also earn miles at an improved rate, making the card ideal for business owners with high expenses in these categories.
Cardholders earn:
All other eligible purchases earn 1 mile per dollar.
Read more: Guide to the best small-business credit cards
Unlike most US carriers, American Airlines still publishes a region-based award chart. However, the number of miles you’ll need for an award ticket depends on if there are seats available at the MileSAAver rate (the cheapest standard award) or only at pricier AAnytime rates, which can be more than double the saver award level. 
It’s possible to get significant discounts if your route or date is included in American Airlines’ periodic Web Specials, which can sometimes shave thousands of miles off the price of a standard ticket. 
Read Insider’s guide to earning and redeeming American Airlines miles to find out the best ways to maximize the AAdvantage program.
Even if American Airlines isn’t your airline of choice, there’s a lot of value to be had from AA miles. Because American Airlines is part of the Oneworld alliance, you can redeem AAdvantage miles for award tickets on any of these Oneworld partners:
Another option is to use American Airlines miles for award flights on the carrier’s non-alliance partners, which include Air Tahiti Nui, Cape Air, China Southern Airlines, Etihad Airways, Fiji Airways, GOL Airlines, Hawaiian Airlines (except for flights between the mainland US and Hawaii), and Silver Airways.
Other ways to redeem American Airlines miles (most of which aren’t the best value) include car rentals, hotels, vacation packages, seat upgrades, Admirals Club airport lounge memberships, merchandise, gift cards, and charity donations.
American Airlines miles are worth, on average, 1.4 cents apiece based on Insider’s latest points and miles valuations, but the exact value you’ll get will depend on how and when you redeem your rewards. 
Most of the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®‘s benefits apply to travel on American Airlines, and can save you a significant amount of money if you’re a frequent flyer.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders and up to four companions on the same reservation receive a free first checked bag on American Airlines domestic itineraries (US mainland, Hawaii, Canada, US Virgin Islands, and Puerto Rico). Because American Airlines normally charges $30 for the first checked bag, this translates to a savings of up to $60 per person on a round-trip booking.
Read more: Airline checked bag fees can eat into your travel budget — here’s how to avoid them with the right credit cards
There’s no requirement to use the card to pay for your ticket to get the free checked bag. You’ll receive the benefit as long as your card has been open for at least seven days, and the AAdvantage frequent flyer number associated with your card is attached to your reservation at least seven days before departure.
When you have the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you and up to four companions on the same reservation receive preferred boarding (Group 5) on American Airlines flights. 
Read more: Priority boarding isn’t just for elite flyers — the right credit card can get you on the plane before the overhead bins fill up
Being able to get on the airplane sooner can give you more time to store your carry-on bag and get settled into your seat. 
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® cardholders can save 25% on inflight food, drinks, and Wi-Fi when they use their card to pay for these purchases on American Airlines flights.
Read more: Credit cards from Delta, United, and other airlines offer discounts on in-flight purchases, so you can save on drinks, Wi-Fi, and more
The discount comes in the form of a statement credit that will appear on your account eight to 10 weeks after the transaction posts. 
When you spend at least $30,000 on eligible purchases in a card anniversary year with your CitiBusiness® / AAdvantage® Platinum Select® Mastercard® and renew your card, you’ll receive a companion certificate valid for domestic economy travel on American Airlines.
Read more: 10 airline credit cards that offer companion deals so you can bring along a friend for only taxes and fees
This certificate allows you to bring a companion along for just $99 plus $21.60 to $43.20 in government taxes and fees when you purchase an eligible Main Cabin round-trip fare in the 48 contiguous United States. For residents of Hawaii, Alaska, Puerto Rico, and the US Virgin Islands, the companion certificate is also valid for round-trip travel originating in those states/territories and continuing to the 48 contiguous United States.
The new American Airlines Loyalty Point scheme makes it possible to earn AAdvantage elite status without ever setting foot on an airplane. In addition to earning Loyalty Points from flying (1 eligible AAdvantage mile earned = 1 Loyalty Point), you can earn Loyalty Points from non-flying activities, including spending on American Airlines credit cards, shopping through the AA Shopping Portal, and spending with partners.
Read more: Online shopping portals are an effortless way to earn bonus cash back and travel rewards — here’s how they work
Keep in mind you’ll only earn 1 Loyalty Point per dollar you spend on the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, even if the purchase is in a 2x bonus category. For example, if you spent $30,000 on your card in a qualifying year, you’d unlock AAdvantage Gold elite status, which requires 30,000 Loyalty Points to achieve.
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has an annual fee of $99, waived for first 12 months, so you’ll have the opportunity to try it out and see if you like the benefits without incurring a huge out-of-pocket cost.
The card is also good to use when you travel abroad, because it doesn’t add pesky foreign transaction fees.
Read more: The best credit cards with no foreign transaction fees
Like most other cards, the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® charges fees for cash advances, late payments, and returned payments.

For rates and fees of the Delta SkyMiles® Gold Business American Express Card, please click here.

Disclosure: This post may highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team. Read our editorial standards.

Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.
Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
For you

source

Laisser un commentaire

Votre adresse e-mail ne sera pas publiée. Les champs obligatoires sont indiqués avec *