CitiBusiness® / AAdvantage® Platinum Select®
American Airlines' small-business co-brand. The free checked bag and preferred boarding alone can offset the annual fee for a business that travels on American a few times a year.
CitiBusiness® / AAdvantage® Platinum Select® at a glance
Issued by Citi. Terms and rates subject to change — confirm before applying.
The facts
- Annual fee
- $99
- Credit needed
- Good/Excellent
- Regular APR
- Variable, ~19–27%
- Foreign transaction fee
- None
Rewards
2x miles on American Airlines, gas, and telecom purchases, 1x elsewhere
Intro offer
Miles bonus after minimum spend in the first 4 months
CitiBusiness® / AAdvantage® Platinum Select®'s annual fee vs. the cheapest and priciest cards on the marketplace
CitiBusiness® / AAdvantage® Platinum Select® vs. similar Travel rewards
| Criterion | CitiBusiness® / AAdvantage® Platinum Select® | Ink Business Preferred® | Southwest® Rapid Rewards® Premier Business |
|---|---|---|---|
| Annual fee | $99 | $95 | $99 |
| Regular APR | Variable, ~19–27% | Variable, ~19–24% | Variable, ~19–26% |
| Foreign transaction fee | None | None | None |
| Credit needed | Good/Excellent | Good/Excellent | Good/Excellent |
Same category, side by side — the right pick depends on which of these differences actually matches how your business spends.
CitiBusiness® / AAdvantage® Platinum Select® charges no foreign transaction fee, but that's not universal in its category — some cards with a similar rewards structure add 2.7-3% on every international charge. If you're comparing cards, confirm this line specifically; it's easy to overlook next to the headline rewards rate.
Pros
- +Free checked bag pays for the annual fee quickly for frequent flyers
- +No foreign transaction fee
Cons
- −Only valuable if you fly American Airlines
- −Miles are worth less than flexible transferable points for non-AA redemptions
CitiBusiness® / AAdvantage® Platinum Select® has a $99 annual fee, requires good/excellent credit, and carries a Variable, ~19–27% regular APR. Compare these against your spending patterns — the fee only makes sense if the rewards exceed it.
Who this card is best for
Businesses that regularly fly American Airlines
We don't have a partnership with Citi — the link above goes straight to their official page with no tracking or referral code. Rates and offers are set by the issuer and change over time; confirm current terms before applying.