CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Review

• 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.

Who is Citibusiness AAdvantage card designed for?

This is a credit card issued by Citibank. 

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 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

Can I get it with just an employer identification number (EIN)?

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 support contact email?

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

How do people rate the customer service and user experience?

Overall, this business credit card is mostly recommended based on community reviews that rate customer service and user experience.

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 Citibank .
• 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.