Citi/aadvantage Business World Elite Mastercard Overview
this citi® / aadvantage Business™ World Elite Mastercard® (See rates and fees) Best for businesses that drive American airlines frequently. It has an introductory annual fee of $0 (and then $99), no foreign transaction fees and travel allowances, such as free check bags and on-board savings. Still, its revenue rate lags behind a more flexible business card.Card Rating*: ⭐⭐⭐
*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.
Business owners loyal to American Airlines should consider the common Citi Aadvantage Business World Mastercard.
In addition to its $99 annual fee (annual introductory annual fee for the first year), its privileges allow for a better passenger experience while flying in the United States.
Please note that the card has a credit score of 740 or higher.
That’s why your business should consider this card if you and your employees travel regularly using American Airlines.
Pros and cons of Citi/AA business
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Citi/AA business welcome offer
New cardholder Citi Aadvantage Business Earn 75,000 miles after spending $5,000 in the first five months of your account opening.
TPG’s September 2025 valuation of Peg Aadvantage Miles is 1.55 cents, bringing the welcome bonus to $1,163.
This is the most welcome quote we’ve seen on the card, so it’s worth taking advantage of it on your radar.
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Employee spending is counted into your welcome bonus, so adding an employee card to your account is a great incentive.
Citi/AA business benefits
this Citi Aadvantage Business The card comes with several benefits that are useful for American airline business travelers, including:
- Free inspection bag: You and up to four travel companions in the same booking will have a free check bag on domestic flights. On round trip flights, this is a maximum value of $80 per person, so you can use this allowance separately to quickly pay the card’s annual fee.
- Transfer of savings: Get 25% off on-board Wi-Fi, food and beverages when you pay with your card.
- Companion Certificate: Earn a certificate to and from the country (48 consecutive statuses unless you are from Alaska or Hawaii) after spending at least $30,000 on your card over the year. The redemption certificate is $99 (plus taxes and fees), and you must book your flight on American Airlines or one of its regional partners.
Cardholders can also have no additional employee cards, which is a great way for your business to earn AA miles on employee spending.
Related: Why Small Businesses Using American Aadvantage Need a Common Business Card
Earn miles on Citi/AA business
and Citi Aadvantage Business Cards, you will earn 2 miles per dollar on the following categories:
- Cable and satellite providers
- Car rental merchant
- Purchase by qualified American airlines
- Gas station
- Telecommunication businessman
And you will spend 1 mile per dollar.
While this card offers bonus miles per dollar spent in some popular business categories, it does not include common commercial purchases like hotels, office supplies, and shipping – they can earn only 1 mile per dollar.
You can give your employees their own cards so that you can earn miles in addition to your own expenses. Miles earned by the primary cardholder and any authorized user card will be deposited into the Aadvantage Business Plan account and can be transferred to the Aadvantage account of the primary account holder or employee.
The Aadvantage program also allows cardholders of all AA co-cards to earn loyalty points, which can help them gain elite status on American Airlines. You will get 1 loyalty point for every dollar you spend on your card.
Additionally, until December 31, both the main cardholder and authorized users of employee cards will receive loyalty to purchases made with employee cards in their respective Aadvantage accounts.
Redeem mileage on Citi/AA business
The Aadvantage program has several dessert redemptions that can help you make the most of your mileage with premium redemption. Some of the most valuable partners you can redeemed are Cathay Pacific, Japan Airlines, Qantas and Qatar Airways.
TPG credit card writer Danyal Ahmed recently booked a one-way ticket in a QSuite product from Doha to Los Angeles with his own mileage for 70,000 AADVANTAGGH MILE (plus about $200 in taxes and fees).
Related: Your Final Guide to Aadvantage in American Airlines
Which cards compete with Citi/AA business?
For frequent travel businesses, major competitors Citi Aadvantage Business It is a commercial credit card that earns transferable rewards.
- If you prefer American Express: this AmericanExpress® Commercial Gold Card It has an annual fee of $375 (see rates and fees), but offers higher revenue in key business categories (holding expense caps), more redemption options, a range of stated credits, and superior business travel and purchase protections. For more information, read our full review of Amex Business Gold.
- If you like to chase: this Ink Business First Choice® Credit Card There is an annual fee of $95, allowing cardholders to earn bonus points on selected business categories and travel (the first $150,000 for the commemorative year cost $150,000 each year). You can move points to Chase’s transfer partner for maximum value. For more information, read our full review of the ink business preferred.
- If you prefer Capital One: Capital One Venture X Business Card earns bonus miles on selected trips booked through Capital One’s travel booking website, while all other purchases cost 2 miles per dollar. Cardholders will also receive $300 in annual credit annually, through Capital One’s travel booking website and 10,000 bonus anniversary miles each year. For more information, read our full review of venture capital business.
For additional options, check out our full list of our best business credit cards.
The preferred information for ink business is collected independently by partners. The card details on this page have not been reviewed or provided by the card issuer.
Related: How to choose the best credit card for your business expenses
Is the Citi/AA business worth it?
If you drive American Airlines and check the bag frequently, you can easily prove the $99 annual fee for the card (after the first year). However, if you are not committed to American Airlines, you may get more value from other gay cards or business rewards travel cards.
Bottom line
this Citi/aadvantage business Not the most versatile business card, but it offers powerful, airline-specific privileges at a relatively low cost. If you are loyal to American Airlines and check bags regularly or want to earn mileage and loyalty points through commercial spending, this card may be a worthwhile tool.
However, if you need a richer income category, flexible points, or wider travel protection, you may find better long-term value with a general business reward card.
Apply here: Citi/aadvantage business
For rates and fees for Amex Business Gold Cards, click here.
