4.2 / 5
- Welcome
- 50,000 points
- Annual fee
- $0
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Citi · rewards
Citi / AAdvantage Business World Elite Mastercard
4.0 / 5
American AAdvantage miles · Business card
This business card earns AAdvantage miles at a strong 2x rate on airline, gas, and telecom spend, and the free checked bag for you and 4 companions alone can cover the $99 fee for a small business owner who checks bags even twice a year.
At a glance
- Welcome bonus
- 65,000 miles
- Spend $4,000 in 4 months
- Annual fee
- $99 (waived first year)
- Waived first year
- Purchase APR
- 19.74% to 28.74%
- No intro APR
- FX fee
- None
Editorial
Our take
This business card earns AAdvantage miles at a strong 2x rate on airline, gas, and telecom spend, and the free checked bag for you and 4 companions alone can cover the $99 fee for a small business owner who checks bags even twice a year.
Verdict
Pros & cons
Pros
- First checked bag free for you and up to 4 companions
- 2x miles on AA, gas, car rental, and telecom purchases
- No foreign transaction fees
- $99 fee waived the first year
Cons
- Miles are only useful if you fly American Airlines
- $99 annual fee after year one
- No introductory APR offer
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| American Airlines purchases | 2x miles | |
| Gas stations & car rentals | 2x miles | Gas stations and car rental merchants |
| Telecom services | 2x miles | Cable, satellite, and telecommunications merchants |
| All other purchases | 1x miles |
Benefits
Key benefits
Free Checked Bag
You and up to 4 companions on the same reservation get a free first checked bag on domestic American Airlines flights.
Preferred Boarding
Board American Airlines domestic flights in a priority boarding group.
25% Inflight Savings
Get 25% back as a statement credit on inflight Wi-Fi, food, and beverage purchases on American Airlines flights.
Companion Certificate
Earn an annual companion certificate after spending $30,000 on the card in a calendar year, redeemable for $99 plus taxes and fees.
No Foreign Transaction Fees
Use the card abroad without paying a foreign transaction fee.
Fit
Who this is best for
- Small business owners who fly American Airlines regularly
- Earning AAdvantage miles on everyday business spend
- Offsetting checked-bag fees for a whole team
FAQ
Frequently asked questions
What is the AAdvantage Business welcome bonus?
Earn 65,000 AAdvantage bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Does the AAdvantage Business charge an annual fee?
Yes. The annual fee is $99, waived for the first year.
Does the AAdvantage Business have a foreign transaction fee?
No. The AAdvantage Business charges no foreign transaction fee, so it works well for international purchases.
What APR does the AAdvantage Business charge?
The purchase APR is 19.74% to 28.74% variable.
Who is the AAdvantage Business best for?
Small business owners who fly American Airlines regularly. Earning AAdvantage miles on everyday business spend. Offsetting checked-bag fees for a whole team.
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Apply
Citi / AAdvantage Business World Elite Mastercard
Spend $4,000 in 4 months
Rates accurate as of October 6, 2026. Issuer terms.