Citi
Citi® / AAdvantage Business™ card
Key Features
| Annual Fee | $99.00 |
| Sign-up Bonus | 75,000 AAdvantage bonus miles |
| Rewards Rate | 1x-2x AAdvantage miles |
| Regular APR | The standard variable APR for purchases is 19.49% - 28.49%, based on your creditworthiness. The standard variable APR for cash advances is 29.74%. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. |
| Other Fees | Minimum interest charge — $0.50. Fee for Foreign Purchases — None. Cash advance fee — either $10 or 5% of the amount of each cash advance, whichever is greater. Redeeming the certificate is $99 for the ticketing fee plus taxes and fees. |
| Network | Mastercard |
About this card
The Citi® / AAdvantage Business™ card earns an overall rating of 3.1. This reflects a 'Good' card that offers distinct advantages for a specific niche – business owners who are frequent American Airlines flyers. The card’s strengths lie in its generous sign-up bonus, AA-related perks (free checked bag, preferred boarding), and the absence of foreign transaction fees. However, these benefits are weighed down by a relatively high APR, a $99 annual fee (after the first year), and mediocre rewards earning rates outside of the AA ecosystem. Critically, the poor customer service reputation of Citibank, the issuer, significantly impacts the overall value proposition. While the card itself offers tangible benefits, potential cardholders must consider the risk of encountering difficulties should they need customer support. The rating reflects a solid card for a specific purpose but with notable limitations and risks.
Pros & Cons
What's great
- Generous sign-up bonus
- No foreign transaction fees
- Rewards on American Airlines purchases
- Airline perks
Things to consider
- Annual fee
- High regular APR
What this card offers
Sign-up bonuses
- Earn 75,000 AAdvantage® bonus miles For your business after $5,000 in purchases within the first 5 months of account opening
Rewards
- Earn 2 AAdvantage® miles for your business on every $1 spent on eligible American Airlines purchases
- Earn 2 AAdvantage® miles for your business on every $1 spent at car rental merchants and gas stations
- Earn 2 AAdvantage® miles for your business on every $1 spent at telecommunications merchants and cable and satellite providers
- Earn 1 AAdvantage® mile for your business on every $1 spent on all other purchases
Other features
- Preferred boarding on American Airlines flights
- First checked bag free on domestic American Airlines itineraries
- 25% savings on inflight food, beverages and Wi-Fi purchases when you use your card on American Airlines flights.
- No foreign transaction fees
- American Airlines Companion Certificate Earn an American Airlines Companion Certificate for qualifying domestic travel after you spend $30,000 in purchases each cardmembership year and cardmembership is renewed. Redeeming the certificate is $99 for the ticketing fee plus taxes and fees.
- No blackout dates
- Add Authorized Users Receive employee cards at no additional cost and earn more miles for your business when employees use their card for purchases.
- No limit on the amount of miles you can earn There is no maximum number of American Airlines AAdvantage® miles that you can accumulate with your card.
- Citi® Quick Lock Misplaced your card? Use Citi Quick Lock in the Citi Mobile® App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
- 24-hour fraud protection Citi will alert you if we see unusual activity on your account.
- Mastercard® ID Theft Protection The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins.
- Chip-based card technology Chip card technology keeps the same card number but provides you with security and global acceptance.
- Automatic account alerts Stay updated on balance, payments and credit limits via email or text.
- Choose your payment due date Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
- Paperless statements and e-communications Reduce clutter and get your statements and most legal notices online instead of in the mail.
- 24/7 Customer Service Questions about your Citi® card account? Just call the number on the back of your credit card. Just say representative to access fast, live help from a friendly Customer Service representative ready to help with virtually every aspect of your cardmembership — 24 hours a day, 365 days a year.
- Citi Mobile® App and personal business assistant Manage your business expenses anytime, anywhere, and get 24/7 assistance for business travel and more.
- Contactless pay Shop safely with a contactless, chip-enabled card. Just tap your card on the payment reader and go in seconds.
- Digital wallets Digital wallets let you shop with confidence in millions of places online, within apps and in stores.
- Access FICO® Score Free access to your FICO® Score online to review your credit history.
- Citi Entertainment® Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers.
- Citi® Flex Pay Buy now, pay later with Citi® Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.
Additional Notes
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. American Airlines AAdvantage® new cardmember bonus offer not available if you have received a new account bonus for a Citi® / AAdvantage® Business account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi® / AAdvantage® Business account.