Citi® / AAdvantage Business™
World Elite Mastercard®
Terms and Conditions

1 AAdvantage mile per $1

AAdvantage® miles are earned on purchases, except balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions). AAdvantage® miles may be earned on purchases made by the primary credit cardmember and Authorized Users. AAdvantage® miles earned will be posted to the AAdvantage Business™ account in 8-10 weeks.

2x AAdvantage miles on American Airlines Purchases

Eligible American Airlines purchases are items billed by American Airlines as the merchant of record. Products or services that do not qualify are car rentals and hotel reservations, purchase of AAdvantage® status boost or renewal, and AA CargoTM products and services. AAdvantage® miles earned will be posted to the AAdvantage BusinessTM account in 8-10 weeks.

2x AAdvantage miles on purchases in select business categories

Earn 2 AAdvantage® miles per $1 spent on purchases at certain telecommunications merchants, car rental merchants, cable and satellite providers, and at gas stations. Telecommunications merchants are classified 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. Car rental merchants are classified as providers of short-term or long-term rentals of cars, trucks, or vans. Cable and satellite providers are classified 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. Gas stations are classified as merchants that sell fuel primarily for consumer use and may or may not be attended.

Certain Non-Qualifying Purchases. Car rental purchases not eligible to receive double AAdvantage® miles include purchases at merchants that rent motor homes or other recreational vehicles and purchases made through travel agencies, tour operators, and online third party travel sites and charges paid on car rental redemptions through Rocketmiles. Gas station purchases not eligible to receive double AAdvantage® miles include, but are not limited to, purchases made at warehouse clubs that do not code gas station purchases under a gas station code, discount stores, department stores, and convenience stores.

Merchant Classification for Rewards Categories. Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. Citi does not control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, Citi is provided an MCC for that purchase. Citi groups similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category as recognized by Citi, your purchase will not qualify for additional AAdvantage® miles. [For example, you won’t earn additional AAdvantage® miles for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code.] Please also note – purchases made through mobile/wireless technology may not earn additional AAdvantage® miles depending on how the technology is set up to process the purchase.

Citi reserves the right to determine which purchases qualify for this offer. AAdvantage® miles may be earned on purchases made by primary credit cardmembers and Authorized Users. Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) account do not earn AAdvantage® miles. AAdvantage® miles earned will be posted to the AAdvantage BusinessTM account in 8–10 weeks.

No mileage cap

There is no maximum number of American Airlines AAdvantage® miles that your business can accumulate through your Citi® / AAdvantage Business™ Mastercard® credit card account.

Mileage Expiration

AAdvantage Business™ miles do not expire as long as the card account is open. For details, click here.

1 Loyalty Point per $1

Loyalty Points may be earned by the primary credit cardmember and enrolled Authorized Users on purchases. 1 Loyalty Point accrues for every $1 on purchases, excluding balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions). Loyalty Points earned by the primary credit cardmember will be posted to the primary credit cardmember’s AAdvantage® account and Loyalty Points earned by an enrolled Authorized User will be posted to the Authorized User’s AAdvantage® account. Loyalty Points earned will be posted to the applicable AAdvantage® account in 8-10 weeks. Loyalty Points earned by primary cardmember and Authorized Users on any other Citi® / AAdvantage® credit cards where they are the primary cardmember will post to their individual AAdvantage® account.

25% savings on eligible inflight purchases of food and beverage

Citi® / AAdvantage Business™ Mastercard® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their Citi® / AAdvantage Business™ Mastercard® card. Savings do not apply to any other inflight purchases. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

25% savings on inflight Wi-Fi purchases

Receive a 25% savings when you use your Citi® / AAdvantage Business™ Mastercard® credit card for the purchase of inflight Wi-Fi service from American Airline’s Wi-Fi merchants Gogo, Viasat, or Panasonic, and on American Airlines’ Wi-Fi Subscription Plan. This benefit applies to flights marketed and operated by American Airlines or on flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

First checked bag free

Eligible Citi® / AAdvantage Business™ Mastercard® primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines, or on itineraries marketed by American Airlines and operated as American Eagle flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. All flights on the itinerary must be domestic flights marketed by American Airlines and operated by American Airlines or American Eagle. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. For the Citi® / AAdvantage Business™ Mastercard®, up to four (4) companions traveling with the eligible primary credit cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Benefit does not apply to overweight or oversized bags. Golf Bags are accepted as standard checked baggage. Standard checked baggage weight conditions apply and must be within weight limit of 50lbs. Oversize fees do not apply. Terms and conditions apply. This benefit cannot be combined with any existing AAdvantage® program benefits, or with First or Business class benefits, including any waiver of baggage charges. Please see aa.com/baggage » for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

Preferred Boarding

For benefit to apply, the Citi® / AAdvantage Business™ Mastercard® account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, this benefit will be cancelled. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. Up to four (4) companions traveling with and listed in the same reservation as the Citi® / AAdvantage Business™ Mastercard® primary credit cardmember are eligible to board at the same time as the primary credit cardmember. Applicable terms and conditions are subject to change without notice.

Eligible Citi® / AAdvantage Business™ Mastercard® credit cardmembers board after Priority boarding is complete, but before the rest of economy boarding. The boarding benefit will display on your American Airlines boarding pass as Group 5. This benefit applies on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc.

American Airlines Companion Certificate

The primary credit cardmember will earn a $99 domestic economy fare American Airlines Companion Certificate after you spend $30,000 or more in purchases that post to your Citi® / AAdvantage Business™ Mastercard® credit card billing statement during your credit cardmembership year (every 12 months from the billing cycle after your anniversary month through the billing cycle of your next anniversary month). With the exception of special account status or circumstances (e.g. Military relief programs) the anniversary month will coincide with the month in which the annual fee is billed. To receive the Companion Certificate, your account must be open for one full billing cycle after your anniversary month. For your first year of credit cardmembership, purchases qualify as of the date of your account opening. After these conditions are met, please allow at least 8-10 weeks for availability of the Companion Certificate. You must have an open AAdvantage® account for the Companion Certificate to be awarded to your account and to redeem the certificate.

When used according to its terms, the primary credit cardmember will pay a $99 companion ticket fee plus any applicable government taxes and fees billed by American Airlines, depending on itinerary, for one round trip qualifying domestic economy fare ticket for a companion when an individual round trip qualifying domestic Main Cabin fare ticket is purchased and redeemed through American Airlines Meeting Services.

Travel must be booked and purchased in select Main Cabin inventory. The certificate must be redeemed and all travel completed by midnight CST of the Travel Expiration Date shown on the certificate. Valid for travel on flights within the 48 contiguous United States on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. For residents of Alaska and Hawaii, the companion certificate is also valid for round-trip travel originating in either of those two states and continuing to the 48 contiguous United States. For residents of the U.S. Virgin Islands and Puerto Rico, companion certificate eligible travel is also defined as round-trip travel originating in either of those two territories and continuing to the 48 contiguous United States. The Companion Certificate is not redeemable for air travel on any oneworld® carrier or on an American Airlines codeshare flight. Applicable terms and conditions are subject to change without notice. Details, terms and conditions, certain restrictions, and restricted dates apply and will be disclosed on the certificate.

American Airlines Vacations℠ leisure discount program

This offer provides a 10% discount on non-flight components of qualifying American Airlines Vacations℠ travel packages. Discount will be applied to non-flight components (hotels, rental cars, theme park passes, sightseeing tours, etc.) when purchased via aavacations.com/citiaadvantage ». The discount is applied to prices provided throughout the booking path and is reflected in the price page. A maximum of 6 passengers can be listed in a single reservation for an American Airlines Vacations℠ booking.

This discount is only available online via the designated American Airlines Vacations℠ discount program website accessible through aavacations.com/citiaadvantage ». Accessing aavacations.com » via any other source will not provide this discount. Our professional reservations representatives are available by phone but the discount only applies to online bookings made via the designated American Airlines Vacations℠ discount program website. Any changes to a booking made by our reservations representatives will result in the loss of the discount. Cancellations are subject to all applicable penalties. All sales are subject to American Airlines Vacations℠ normal cancellation and refund policies, which vary by destination. Once you have selected your destination and itinerary, you should review these policies by reading the Terms and Conditions, available on the payment page, before purchasing your travel arrangements.

Summary of Flex Pay Terms and Conditions

Your Citi Flex Pay monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full.

To use Citi Flex Pay on an eligible purchase, your account must be current, under the credit limit, and have the applicable Citi Flex Pay terms. Other factors may apply.

Authorized user

An Authorized User is an employee or contractor of the Business added to the Card Account with a Card provided with that person’s name. Authorized Users must have or open an AAdvantage® account in their own name and accept the AAdvantage Business™ terms & conditions to be enrolled in the program and earn Loyalty Points. By making a qualifying purchase with their card, Authorized Users accept the AAdvantage Business ™ terms and conditions. AAdvantage® miles earned on an Authorized User’s credit card will be allocated to the AAdvantage Business™ account. Loyalty Points earned by enrolled Authorized Users will be posted to the Authorized User’s AAdvantage® account of the Authorized User. You must pay us for all charges made or allowed by Authorized Users. Authorized Users are able to get account information. Authorized Users must be employees or contractors of your business. The primary cardmember needs the Authorized User’s permission to give us any information about them that we request and to allow us to share information about them as allowed by applicable law. This includes information we may get from you, any Authorized User and others. It also includes information about their transactions on the account. Loyalty Points and AAdvantage® miles earned by Authorized Users on any other Citi® / AAdvantage® credit cards where they are the primary cardmember will post to their individual AAdvantage® account.

AAdvantage Business™ FAQs

Review AAdvantage Business™ frequently asked questions online »

If Citi sees evidence of fraud, misuse, abuse, or suspicious activity, as determined by Citi in its sole discretion, Citi reserves the right to take action against you and your credit card account. This may include, without limitation and without prior notice, declining your credit card account application, stopping you from earning American Airlines AAdvantage® miles for purchases made with your card, suspending or closing your Citi® / AAdvantage BusinessTM Mastercard® card account, and advising American Airlines of such activity. Citi may also take legal action against you to recover monetary losses, including litigation costs and damages. Examples of activities that may trigger such actions include, but are not limited to, the following: (1) application for a card account in an attempt to take advantage of a bonus offer that was not intended for you or for which you are not eligible per the terms of the offer; (2) repeated cancellation or conversion of your Citi card accounts within one year after account opening or conversion; (3) returns of purchases you made to satisfy all or a substantial portion of the purchase requirements for a bonus offer or excessive returns of purchases for which you have earned AAdvantage® miles or (4) using the account other than for business purposes.

The Card Account is only available if the Business has an open and current AAdvantage Business™ membership in its name. The primary cardmember and each enrolled Authorized User must also have an open AAdvantage® program membership in their name. Citi reserves the right to cancel your Card Account if you or American Airlines terminates or deactivates your AAdvantage Business™ membership. Citi reserves the right to cancel the primary cardmember Card Account if you or American Airlines terminates or deactivates your AAdvantage® program membership. If an enrolled Authorized User or American Airlines terminates or deactivates the Authorized User’s AAdvantage® program membership, Citi may cancel the Authorized User’s credit card.

For complete details about the AAdvantage® program, visit aa.com/aadvantage.

For complete details about the AAdvantage Business™ program, visit aa.com/aadvantagebusiness

Citibank is not responsible for products or services offered by other companies. Cardmember program terms are subject to change.

American Airlines reserves the right to change the AAdvantage® program and its terms and conditions at any time with or without notice, and to end the AAdvantage® program with six months’ notice. Any such changes may affect your ability to use AAdvantage® Rewards and Benefits that you have already accumulated. American Airlines is not responsible for products or services offered by other participating companies. All third-party provider terms and conditions apply. For more information on miles and Loyalty Points, visit aa.com/loyaltypoints ». For complete details about the AAdvantage® program, visit aa.com/aadvantage ». For the AAdvantage® terms and conditions, visit aa.com/aadvantageterms ».

Travel booked on American Airlines may be American Eagle® service, operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc.

American Airlines®, American Eagle®, AAdvantage®, AAdvantage Business™, AAdvantage Hotels®, AAdvantage Million Miler™, ConciergeKey®, AAdvantage Executive Platinum®, AAdvantage Platinum Pro®, AAdvantage Platinum®, AAdvantage Gold®, American Airlines VacationsSM, AAdvantage Events, AAdvantage MileUp®, Flagship®, Admirals Club®, AA.com®, the Flight Symbol logo and the Tail.

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oneworld® is a registered trademark of the oneworld Alliance, LLC.

Mastercard and World Elite Mastercard are registered trademarks, and the circle design, is a trademark of Mastercard International Incorporated.

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Citi® / AAdvantage Business™ World Elite Mastercard® Terms and Conditions