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  CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Unaffiliated

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Unaffiliated
Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

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Purchase APR  (Variable APR) 18.24% - 27.24%
Balance Transfer APR  (Variable APR) 18.24% - 27.24%
Credit Score Range 600 - 850
Annual Fee $99

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
The Good The Bad
  • Annual fee waived during the first year.
  • Travel assistance insurance
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard® reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $99
Citibusiness AAdvantage card FAQ

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.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business credit card does not offer an introductory rate on new purchases.

Citibusiness AAdvantage card Rates & Terms
Purchase APR 18.24% - 27.24%
Balance Transfer APR 18.24% - 27.24%
Cash Advance APR 25.24%
Penalty APR 29.99%

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 charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Citibusiness AAdvantage card Fees
Fees Amount
Annual Fee $99
Foreign Transaction Fee 0%
Returned Payment Fee $41
Late Payment Fee $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

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

However, it does include a 65000 points signup bonus after you spend $4000 that can be redeemed for travel, gifts, or other perks.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

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

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Citibank

Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. No foreign transaction fees on overseas purchases to stretch your business budgets further. Earn an American Airlines Companion Certificate each year after spending $30,000 or more. Save 25% on inflight purchases on American Airlines flights. Fly to select destinations on American Airlines operated flights for up to 7,500 fewer AAdvantage® miles with Reduced Mileage Awards. Online access to monthly billing statements and account summaries to reduce, streamline and expedite your accounting. Expand your earning potential with authorized user cards for your employees and earn AAdvantage® miles for purchases made on each card. Personal Business Assistant for 24/7 help with travel, hotel and dining arrangements.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 10:00am - 3:00pm

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee First Year
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 23 days
Annual Fee $99
Cash Advance Fee (%) Up to 5%
Cash Advance Fee Minimum $10
Late Fee Amount $41
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $0.50
Returned Payment Fee $41
Customer Type Business
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Bonus Rewards Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Rewards Categories
  • 1x - 2x Miles on Airfare
  • 1x - 2x Miles on Car Rentals
  • 1x - 2x Miles on Internet / Cable / Phone Services
  • 1x - 2x Miles on Gas
  • 1x - 2x Miles on Every Purchase
Signup Bonus (points) 65,000
Balance Computation Average daily balance (including new transactions).
Cash Advance APR (Variable APR) 25.24%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 18.24% - 27.24%
Balance Transfer APR (Variable APR) 18.24% - 27.24%
Card Network Mastercard
Card Type
  • Rewards
  • Travel
  • Bonus Offers

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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