
Citi® / AAdvantage Business™ card
Citi · MASTERCARD
The Citi® / AAdvantage Business™ card is a credit card from Citi on the MASTERCARD network. It has an annual fee of $99. It earns 1x on everything else.
Key facts
- Annual fee
- $99
- Purchase APR
- 19.49% - 28.49% variable APR
- Network
- MASTERCARD
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | 1x | 1x on other purchases with your card |
Benefits and perks
- Who earns AAdvantage® miles and Loyalty Points with the Citi® / AAdvantage Business™ Mastercard®? Miles earned from the primary cardholder and Authorized Users post to the company's AAdvantage Business™ account. Each cardmember (primary and employee) earn Loyalty points on his or her card purchases. Loyalty Points earned by the primary cardmember post to the primary cardholder's AAdvantage® account. Loyalty Points earned by the employee post to employee's AAdvantage® account. Learn more about the AAdvantage Business™ program: aa.com/aadvantagebusiness
- How does the Citi® / AAdvantage Business™ Mastercard® work with the AAdvantage Business™ program? An AAdvantage Business™ account is created with new Citi® / AAdvantage Business™ Mastercard® accounts. As long as there isn't an existing business account, it will be created upon application approval. AAdvantage® bonus miles earned from a new account bonus will post to the company's AAdvantage Business™ account. Learn more about the AAdvantage Business™ program: aa.com/aadvantagebusiness
- Can I earn Loyalty Points toward AAdvantage® status with the Citi® / AAdvantage Business™ Mastercard®? Yes, you can earn Loyalty Points toward status with the Citi® /AAdvantage Business™ Mastercard®, Each cardmember (primary and employees) earns 1 Loyalty Point toward status for every $1 spent on their card.
- Is there a bonus miles offer for the Citi® / AAdvantage Business™ Mastercard? Yes, your business has the opportunity to earn American Airlines AAdvantage® bonus miles with the Citi® / AAdvantage Business™ Mastercard® Learn more about the current offer. Businesses can transfer these miles to registered business travelers across the company.
- Is there a fee for adding an employee as an Authorized User? No, there's no fee to add an employee as an Authorized User. The business earns American Airlines AAdvantage® miles for purchases made on each employee card. Employees earn Loyalty Points toward their individual AAdvantage® account once they're registered in both the AAdvantage® and AAdvantage Business™ programs.
- Does the Citi® / AAdvantage Business™ Mastercard® offer the first checked bag free? Yes, the Citi / AAdvantage Business™ Mastercard® offers the first checked bag free on domestic American Airlines itineraries for you and up to 4 companions traveling in the same reservation. Companions can be employees or clients. For an Authorized User to get this benefit, they must be one of the 4 companions traveling on the primary cardholder's reservation.
- Does the Citi® / AAdvantage Business™ Mastercard® offer preferred boarding? Yes, the Citi® /AAdvantage Business™ Mastercard® offers preferred boarding on American Airlines flights. As the primary cardmember, you and up to 4 companions in the same reservation will board in Group 5. For an Authorized User to get this benefit, they must be one of the 4 companions traveling on the primary cardholder's reservation.
- Does the Citi® / AAdvantage Business™ Mastercard® have a foreign transaction fee? No, the Citi® / AAdvantage Business™ Mastercard® has no foreign transaction fees for purchases.
- What rewards does the Citi® / AAdvantage Business™ Mastercard offer? Businesses earn 2 American Airlines AAdvantage miles for every $1 cardmembers (primary and employees) spend on:Eligible American Airlines purchases Telecommunications merchants Car rental merchants Cable and satellite providers Gas stations Plus, your business earns 1 AAdvantage® mile per dollar spent on other purchases with your card. Cardmembers also earn 1 additional Loyalty Point per $1 spent on purchases with their card. This is on top of Loyalty Points earned as an AAdvantage® member and within the AAdvantage Business™
Rates and fees
Annual membership fee: $99. Purchase APR: 19.49% - 28.49% variable APR, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Citi® / AAdvantage Business™ card
What is the annual fee on the Citi® / AAdvantage Business™ card?
The Citi® / AAdvantage Business™ card has an annual fee of $99.
What rewards does the Citi® / AAdvantage Business™ card earn?
The Citi® / AAdvantage Business™ card earns 1x on everything else.
Is the Citi® / AAdvantage Business™ card worth it?
The Citi® / AAdvantage Business™ card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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