CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a business card designed for frequent fliers of American Airlines. It offers a 65,000 bonus miles after you spend $4,000 in the first 4 months. You can also get 25% off inflight wifi, which can be a good perk for frequent business travelers. If you spend $30,000 in a year and then renew the card, you can earn a companion ticket good for anywhere in the contiguous U.S. The $99 fee is waived for the first year making it worth trying out for business travelers who prefer American Airlines. We dive into the details and your approval odds in this CitiBusiness Platinum Select review.

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Our Rating
4.5/5.0

Welcome Offer
65,000 Miles

Annual Fee
$99

0% on Purchases
None

Rewards Rate
1x to 2x Miles

0% on Balance Transfers
None

Rewards

2x miles

Select Categories

Earn 2 AAdvantage miles for every $1 spent at telecommunications merchants, cable and satellite providers.

2x miles

American Airline Purchases

Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases.

2x miles

Rental Cars

Earn 2 AAdvantage miles for every $1 spent at car rental merchants.

2x miles

Gas

Earn 2 AAdvantage miles for every $1 spent at gas stations.

1x miles

On all other purchases

Earn 1 AAdvantage mile for every $1 spent on all other purchases.

Signup Bonus

Earn 65,000 American Airlines AAdvantage^® bonus miles after making $4,000 in purchases within the first 4 months of account opening.

Pros & Cons

Pros

• Welcome offer
• No foreign transaction fee

Cons

• Annual fee
• Requires good credit

Features & Benefits

Security	EMV Chip Enabled, Fraud Monitoring, Zero Liability, Identity theft protection
Contactless Payments	Tap to Pay, Apple Pay, Google Pay, Samsung Pay
Benefits	24/7 customer service
Travel Perks	Concierge Services, Free Checked Bags

Interest Rates & Fees

Annual Fee	Fee waived for the first 12 months
Foreign Transaction Fee	None
Regular APR	20.49% - 29.49% (V) APR

What Credit Score Is Required to Get the CitiBusiness Platinum Select?

Based on data we’ve collected from public forums, a credit score of 760 or higher is ideal. We have seen an approval with a score as low as 750, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App Status	Date	Credit Score	Bureau	Credit Limit
Approved	08/24/2021	758	TransUnion	$16,900
Approved	01/02/2020	750	Not Provided	$7,000
Approved	11/21/2020	765	Equifax	$3,000
Approved	03/01/2021	765	Equifax	$11,000
Approved	08/24/2021	779	Equifax	$16,913
Approved	08/24/2021	804	Experian	$16,900
Approved	03/01/2021	759	TransUnion	$11,000
Approved	03/01/2021	771	Experian	$11,000

What Are the Best Alternatives?

Capital One Spark Miles for Business

Rating

4.7

Rewards Range

2x

Annual Fee

$95

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Ink Business Preferred® Credit Card

Rating

4.9

Rewards Range

1-3x points

Annual Fee

$95

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U.S. Bank Business Leverage® Visa Signature® Card

Rating

Rewards Range

1% to 5% cash back

Annual Fee

$95

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