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The information for this offer was collected independently by The Ascent and has not been reviewed by the issuer. Some items may be out of date.
Citi and American Airlines offer an affordable airline credit card for business owners with the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. Coming in at a low annual fee, this card earns miles on purchases, offers a free checked bag and priority boarding, and has a top-tier sign-up bonus. Find out if it's a winner for your business in this c-offer-name-citbusiness-platinum-select-end-sc review.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.24% - 29.99% (Variable)
Rewards Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations, Earn 1 AAdvantage® mile per $1 spent on other purchases
1x - 2x miles
Annual Fee $0 intro annual fee for the first 12 months, $99 thereafter
$0 intro fee
Welcome Offer Earn 65,000 American Airlines AAdvantage®bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
65,000 miles
The rewards program and sign-up bonus make this a compelling card to carry with OK earning opportunities beyond just American Airlines purchases, particularly for business purchases.
You'll earn this bonus after you spend $4,000 on purchases within the first four months of account opening. That's a lot of miles for a reasonable minimum spending requirement, making this one of the best sign-up bonuses of any airline credit card. Note that you won't be eligible if you've already opened this card and received its sign-up bonus within the previous 48 months.
The sCitiBusiness® / AAdvantage® Platinum Select® Mastercard® earns 2 miles per $1 on purchases with:
On other eligible purchases, it earns 1 mile per $1. If you have moderate-to-high business spending, you can quickly earn enough miles for free American Airlines flights.
On domestic flights with American Airlines, you and up to four companions on the same reservation will each get one free checked bag. American Airlines would otherwise charge $30 for your first checked bag, so even if you're traveling solo, this perk can save you $60 on a round trip.
You and up to four companions on your reservation will be able to board with Group 5. This group boards after priority boarding but before economy boarding. When you're bringing a carry-on, boarding a little earlier could make it easier to find space in the overhead compartments.
If you make at least $30,000 in eligible purchases during your card membership year and you keep the card open for at least 45 days after your annual fee posts, you'll receive an American Airlines companion certificate. A companion certificate entitles you to purchase a round-trip domestic economy ticket for someone traveling with you at a cost of $99 plus taxes and fees. Depending on the itinerary, you could save over $300.
You'll save 25% on in-flight purchases of food, beverages, and internet made with your CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. Airline credit cards that offer in-flight discounts often exclude internet because it's offered by a third-party merchant, but this card is an exception to the rule.
Although this card charges a $99 annual fee, that fee is waived for the first year.
You won't need to pay more if you use your credit card while traveling abroad.
Read more: Best No Foreign Transaction Fee Credit Cards
You won't get any airport lounge access through this card. Given the card's reasonable annual fee, it's understandable that it doesn't offer a full American Airlines Admirals Club membership. But there are airline cards in the same annual fee range that at least offer a couple of day passes.
It has become increasingly common for travel rewards credit cards to cover your membership fee with either Global Entry or TSA PreCheck, both of which can cut down how long you wait in airport security lines. The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® doesn't have this benefit, though.
Learn more: Best Rewards Credit Cards
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
To apply for CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you should have a FICO® Score of 670 or higher. Applicants usually need good credit to qualify for this card.
Since you'll be applying for a business credit card, you also need a business. Small businesses, side hustles, and sole proprietorships will all qualify.
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® offers enough valuable perks to make the $99 annual fee worth it, but only for the airline's frequent flyers who can take advantage of those benefits.
A free checked bag can save you $60 each round trip, and you'll save even more if you also have travel companions with their own luggage to check. If you spend at least $30,000 and get an American Airlines companion certificate, you can redeem that certificate and get much more than $99 in value.
There's also the value of the miles you earn using this card. AAdvantage® miles are generally worth $0.01 to $0.015, depending on how you use them. Using the lower end of that range, this card's sign-up bonus will likely be worth at least $650.
Read more: Best Citi Credit Cards
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Ink Business Preferred® Credit Card | Capital One Spark 2X Miles |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Apply Now for Ink Business Preferred® Credit Card
On Chase's Secure Website. |
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Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Excellent (740-850) |
Welcome Offer: Earn 120,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Earn 120,000 bonus points |
Welcome Offer: Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening 50,000 miles |
Rewards Program: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn. Earn 3 points per $1 in select business categories |
Rewards Program: Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Earn 5X miles on hotel and rental car bookings through Capital One Travel℠ using a Spark Miles card. 2X-5X miles |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Intro APR: Purchases: N/A Balance Transfers: N/A |
Regular APR: 21.24%-26.24% Variable |
Regular APR: 26.24%, variable |
Annual Fee: N/A $95 |
Annual Fee: $0 intro fee for first year; $95 after that $0 intro fee |
Highlights:
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Highlights:
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Apply Now for Ink Business Preferred® Credit Card
On Chase's Secure Website. |
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The Capital One Spark 2X Miles is unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a perfect fit if you have a business and you fly multiple times per year with American Airlines. It's an especially smart choice if you live near the Dallas/Fort Worth airport or any of the airline's other hubs, since you'll have plenty of opportunities to book flights with American Airlines and redeem your miles.
Ideally, you should plan to spend at least $2,500 per month ($30,000 per year) in purchases with this card. That way, you'll earn more than enough miles to outweigh the cost of the annual fee, and you'll get a companion pass.
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
Citi does not provide credit limit data for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. However, credit limits between $3,000 and $20,000 have been self-reported by cardholders.
This card operates on the Mastercard network. It is reported to be a World Mastercard, which is the middle of Mastercard's three credit card tiers.
This card seems relatively easy to get for small business owners with good to excellent credit. Remember that you must have a business to qualify for a business credit card.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The Motley Fool owns shares of and recommends Mastercard.