CitiBusiness AAdvantage Card | Review & AA Miles Calculator

CitiBusiness AAdvantage Card

Card Review & AAdvantage Miles Calculator
2X American Airlines
2X Rental Cars
2X Telecommunications
2X Gas Stations
2X Cable and Satellite
1st Checked Bag Free
Preferred Boarding
25% Off In-Flight
Companion Certificate

Review the benefits of the CitiBusiness Advantage Card, calculate how many AAdvantage Miles you can earn based on your spend, and compare against top cards.


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The CitiBusiness AAdvantage Platinum Select Card offers a good amount of AAdvantage Miles on several bonus categories that focus on business and flights with American Airlines. For anyone that wants great benefits that mirror having AAdvantage Status, this is a good card to pick up.

Bonus Categories

The CitiBusiness American Airlines Platinum Select Mastercard features 5 bonus categories that earn extra AA AAdvantage Miles. Those categories are: American Airlines, telecommunications, cable and satellite providers, rental car agencies, and gas stations. There is no limit to the amount of AAdvantage Miles you can earn spending on this card and none of the categories have a cap on earnings. Below is a detailed explanation of each bonus category featured on the CitiBusiness Platinum Select Card.

2x American Airlines

Using the CitiBusiness Platinum Select Card for American Airline purchases will earn 2 AAdvantage Miles per $1 spent. Eligible American Airlines purchases are items billed by American Airlines as merchant of record booked through American Airlines channels such as aa.com, American Airlines reservations, and American Airlines airport and city ticket counters. Purchases of American Airlines airfare and services through third party providers will not earn you the 2x bonus.

All of the Citi and Barclay American Airlines co-branded credit cards earn double miles on American Airline purchases with the exception of the AA Gold Card which earns 1 mile. Earning 2x miles with a co-branded card is the norm. The Delta Business Cards and United Business Cards earn double miles on there respective airlines. If you're looking to earn a little more than the norm and get to award travel faster, bank reward programs such as American Express Membership Rewards or Chase Ultimate Rewards can assist in that.

2x Telecommunications

Telecommunication purchases ran through the CitiBusiness Platinum Select Card will earn 2 AAdvantage Miles per $1 spent. Telecommunications merchants are defined as merchants that sell telecommunications equipment such as telephones, fax machines, pagers, and cellular phones, along with providers of telecommunications services including local and long–distance telephone calls and fax services.

The CitiBusiness Platinum Select Card is the only card that focuses on various phone services. The Barclay Aviator Business Card focuses specifically on Wireless Telephone Purchases in which it earns double AAdvantage Miles for. You can also earn reward points on various other travel cards for purchases in this category including 5% cash back with the Chase Ink Business Cash Card and 3x Ultimate Rewards Points with the Chase Ink Business Preferred Card.

2x Car Rental

The CitiBusiness Platinum Select Card earns 2 AAdvantage Miles per $1 spent when it used at rental car agencies. Car rental merchants are defined as providers of short–term or long–term rentals of cars, trucks, or vans. This does not include merchants that rent motor homes or other recreational vehicles. Purchases made through travel agencies, tour operators and online third party travel sites are not eligible.

Earning double AA miles on rental cars is not bad. With AAdvantage Miles being worth 1.4 cents each on average, you're looking at a 2.8% return. The Barclay AAdvantage Aviator Business Card also earns double AA miles on this bonus category. Other business cards that offer bonus points and miles for rental car purchases consist of the Hilton Honors Business Card (6x Hilton Honors Points) and Southwest Airlines Business Premier Card (2x Rapid Rewards Points).

2x Cable and Satellite

Cable and satellite charges on the CitiBusiness Platinum Select Card will earn 2 AAdvantage Miles per $1 spent. Citi counts these charges as merchants that provide the connection and ongoing delivery of television, internet (computer network, information services, email website hosting services) telephone and radio programming via cable or satellite on a subscription or fee basis.

The CitiBusiness Platinum Select is one of the rare business airline cards that earn miles on this category. At a rate of 1.4 cents per AAdvantage Mile, you have a return of at least 2.8%. This can be improved upon by using several Chase Bank cards which includes the Chase Ink Business Cash Card (5% cash back), Chase Ink Business Preferred (3x Ultimate Rewards Points), and Marriott Bonvoy Premier Plus Business Card (4x Marriott Bonvoy Points).

2x Gas Stations

Using the CitiBusiness Platinum Select Card at gas stations will earn 2 AAdvantage Miles per $1 spent. Gas Stations are classified as merchants that sell fuel primarily for consumer use and may or may not be attended. Purchases not eligible to receive double miles include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores.

There is not a shortage of business cards that feature bonus categories on gas station purchases. While earning double AA miles is not bad for anyone looking to push towards award flights with American Airlines, a better return can be received from using various reward cards. These cards consist of the Bank of America Business Advantage Cash Rewards Mastercard (3% cash back), AMEX Business Rewards Gold Card (Up to 3x Membership Reward Points), and Hilton Honors Business Card (6x Hilton Honors Points).

1x Non-Category

Any spending on the CitiBusiness Platinum Select Card outside of the categories listed above will earn 1 AAdvantage Miles per $1 spent. Since AAdvantage Miles offer a return of 1.4% per mile, this isn't a bad card to put non-category spend on if you're focusing AAdvantage Miles. You pick up a few extra categories using other AAdvantage Cards. Whether it is worth having more than one, would be based on your spend. The Citi MileUp Card earns double miles on grocery, the Barclay AAdvantage Business Card features the same categories as this card except it swaps gas stations with office supply stores and specifically focuses on wireless telephone providers instead of telecommunications as a whole, and the Citi Platinum Select (which is the personal version of this business card) offers 2x on restaurants. Be sure to focus on the card(s) that you run the most spend on.

Perks and Benefits

First Checked Bag Free

Primary card members of the CitiBusiness AAdvantage Platinum Card may have their First Checked Bag Free of charge when traveling on domestic itineraries. For this Citi AAdvantage Card, up to four (4) customers traveling with the eligible primary card member will also get their first checked bag free of charge if they are listed in the same reservation. Waiver does not apply to overweight or oversized bags and account must be open 7 days prior to air travel, and reservation must include the primary card member's American Airlines AAdvantage number 7 days prior to air travel.

Preferred Boarding

CitiBusiness AAdvantage Platinum Select Card holders will receive Preferred Boarding. This benefit will apply when traveling on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle flights.

Companion Certificate

CitiBusiness AAdvantage Platinum Select Card members will earn a $99 Domestic Economy Fare Companion Certificate provided that $30,000 or more in eligible purchases are made with the CitiBusiness AAdvantage card during the card membership year and the account remains open for at least 45 days after the anniversary date.

25% In-flight Savings

Citi AAdvantage card members will receive a 25% savings on in-flight purchases of food and beverages on flights operated by American Airlines when purchased with their Citi AAdvantage card. Savings do not apply to any other in-flight purchases, such as wireless internet access.

Sign Up Bonus

The standard CitiBusiness AA Platinum Select Mastercard sign up bonus is usually around 50,000 American Airlines miles but can be as high as 70,000 AAdvantage Miles during promotions. At a value of 1.4 cents per mile, you're looking at an average sign up bonus between $700 and $980. You can also check out AA's Flight Award Chart to see how far those miles can get you when it comes to flying AA and partners.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the CitiBusiness AAdvantage Platinum Select Card is $0 the first year, then $99. This is around the standard for entry level co-branded cards of any kind. If you frequently fly American Airlines then this fee shouldn't be too much of a problem to overcome. On top of that, the annual companion pass should easily cover this fee when it comes to cash value even with the taxes and fees.

Authorized User Fee

There is no fee to add authorized users to the CitiBusiness AAdvantage Platinum Select Card. This lets you add employees, friends, or family without any kind of extra charge. Since this CitiBusiness card features several great categories, I'd recommend adding additional users in order to help build AAdvantage Miles faster.

Foreign Transaction Fee

The foreign transaction fee for the CitiBusiness AAdvantage Platinum Select Card is 0% meaning cardholders will not be penalized for using the card outside of the United States. This lets you earn AAdvantage Miles worldwide.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-12-09
Written By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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