CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Review

Key Takeaways

• Signup bonus. Offers a signup bonus of 65000 points after spending $4,000 that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.24% up to 27.24%.
• Annual fee waived the first year. CitiBusiness® / AAdvantage® Platinum Select® Mastercard® gives you the chance to have the card for a year without paying the $99 annual fee.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Citibusiness AAdvantage card

Citibusiness AAdvantage card FAQ

Who is Citibusiness AAdvantage card designed for?

This is a credit card issued by Citi®.

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 18.24% up to 27.24%. The card has a variable balance transfer APR that ranges from 18.24% up to 27.24%.

It also has a variable cash advance APR of 25.24%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What fees does it charge?

The following fees apply to this business credit card:

• An annual fee of $99.
• A late payment penalty of up to $41.
• A returned payment fee of up to $41.

Does it offer a cash back or rewards program?

Yes, Citibusiness AAdvantage card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

• Advertising Services
• Airfare
• Amazon.com
• Car Rentals
• Internet, Cable and Phone Services
• Drug Stores
• Education
• Every Purchase
• Furniture
• Gas stations
• Groceries
• Gyms
• Home Improvement
• Hotels
• Insurance
• Office Supply Stores
• Restaurants
• Retail
• Shipping
• Software, Hardware, Cloud
• Utilities
• Warehouse Clubs

What are the benefits?

This business credit card provides the following benefits:

• Emergency Support
• Fraud Liability
• Travel Assistance
• Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 950-5114.

What is the support contact email?

The support contact email for this business credit card is customer.help@citi.com.

Does CitiBusiness® / AAdvantage® Platinum Select® Mastercard® report your account activity to credit bureaus?

Yes, CitiBusiness® / AAdvantage® Platinum Select® Mastercard® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

• Visit the Citi® .
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.