Pricing

The variable APR for purchases is 21.24% – 29.99%, based on your creditworthiness. The variable APR for cash advances is 29.99%. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. The annual fee for this credit card is $99. However, this fee is waived for the first 12 months of account opening. Minimum interest charge – $0.50. Fee for foreign transactions – None. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater.

Offer availability

American Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a CitiBusiness® / AAdvantage® Platinum Select® or Citi® / AAdvantage Business™  Mastercard®  account in the past 48 months. The card offer referenced in this communication is only available to individuals who reside in the United States and its territories, excluding Puerto Rico and U.S. Virgin Islands.

Offer available if you apply here today. Offers may vary and this offer may not be available in other places where the card is offered.

AAdvantage Business™ Membership

You must be enrolled in the American Airlines AAdvantage Business™ program, which is managed by American Airlines. American Airlines may, in its sole discretion, change the AAdvantage Business™ program rules, regulations, travel awards and special offers at any time. For complete details about the AAdvantage Business™ program, visit aa.com/aadvantagebusiness.

Primary cardmember

The primary cardmember must have or open an AAdvantage® account in their own name. AAdvantage® miles earned on the primary cardmember’s credit card will be allocated to the AAdvantage Business™ account. Loyalty Points earned by the primary cardmember will be posted to the AAdvantage® account of the primary cardmember. Loyalty Points and AAdvantage® miles earned by primary cardmember on any other Citi® / AAdvantage® credit cards where they are the primary cardmember will post to their individual AAdvantage® account.

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. Authorized Users must accept the AAdvantage Business™ terms & conditions to 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 Authorized Users will be posted to the 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® bonus miles

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) are not purchases. American Airlines AAdvantage® bonus miles typically will appear as a bonus in your AAdvantage Business™ account 8-10 weeks after you have met the purchase requirements. AAdvantage® miles may be earned on purchases made by primary credit cardmember and Authorized Users. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. The Business for whom a Citi® / AAdvantage Business™ Mastercard®  account was opened must have an AAdvantage Business™ account. AAdvantage® miles earned will be posted to the AAdvantage Business™ account.

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.

Double AAdvantage® miles on American Airlines purchases

Eligible American Airlines purchases are items billed by American Airlines as merchant of record booked through American Airlines channels (aa.com, American Airlines reservations, American Airlines Admirals Club®, American Airlines Vacations, and American Airlines airport and city ticket counters). Products or services that do not qualify are car rentals and hotel reservations, purchase of AAdvantage® status boost or renewal, and AA Cargo™ products and services. AAdvantage® miles earned will be posted to the AAdvantage Business™ account in 8-10 weeks. 

Double 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 Business™ account in 8–10 weeks.

1 Loyalty Point per eligible AAdvantage® mile

Loyalty Points may be earned by the primary credit cardmember and 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 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.

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., Air Wisconsin Airlines, PSA Airlines, Inc., or Piedmont Airlines, Inc.

First checked bag free

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, these benefits will be cancelled.

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., Air Wisconsin Airlines, 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. 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.

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., Air Wisconsin Airlines, 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., Air Wisconsin Airlines, 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.

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., Air Wisconsin Airlines, 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.

Fraud Disclosure

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 Business™ 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.

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