Last Updated: 10/08/2025
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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in Business Credit Cards from Citi®
Last Updated: 10/08/2025
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Highlights
Purchase APR (Variable APR)
21.24% - 29.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
21.24% - 29.99%(Verified 08/24/2024)
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Annual Fee
$99
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Credit Score Range
600 - 850
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Review
This is a rewards card issued by Citi®. If you're wondering whether CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is the right card for you, read on.
Key Takeaways
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 21.24% up to 29.99%.
- $0 intro annual fee for the first year. $99, waived for first 12 months
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Citibusiness AAdvantage card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 21.24% up to 29.99% . The card has a variable balance transfer APR that ranges from 21.24% up to 29.99% .
It also has a variable cash advance APR of 29.99%. 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 card does not offer an introductory rate on new purchases.| Purchase APR | 21.24% - 29.99% |
| Balance Transfer APR | 21.24% - 29.99% |
| Cash Advance APR | 29.99% |
| Penalty APR | 29.99% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $99 ($99, waived for first 12 months) .
- A late payment penalty of $41 .
- A returned payment fee of $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.
| Fees | Amount |
| Annual Fee | $99 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 0% |
| Returned Payment Fee | $41 |
| Late Payment Fee | $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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 65,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Miles | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 - 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bonus Offer | Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Airfare
- Car Rentals
- Internet, Cable and Phone Services
- Every Purchase
- Gas stations
Does it have a sign up bonus?
Yes. Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening..
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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Message from Citibusiness AAdvantage card
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