Citi AAdvantage Business World Elite Mastercard ReviewsReviews, rates, fees, and rewards details for The Citi® / AAdvantage Business™ World Elite Mastercard®. Compare to other cards and apply online in secondsJohn KiernanWalletHubHigh rewards rate75,000 miles initial rewards bonusNo membership fees first yearNo foreign feeMembership fees in the second yearNo intro APR on purchasesNo balance transfers allowedRequires excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.0
User Reviews
4.0
Market Comparison
3.8
fees: 4.2
rewards: 3.2
cost: 4.3
Other Features: 0.0
For a limited time
Earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
Small business owners with excellent credit can score a very good deal on airline miles right now: 75,000 miles for spending $5,000 within 5 months of getting the Citi® / AAdvantage Business™ World Elite Mastercard® (limited- time offer). That initial bonus is worth an average of $1,117.5 in American Airlines airfare.
WalletHub Rating Breakdown
User Reviews
4.0/5
183 reviewsRead and write reviews
Editor’s Review
4.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Airline Rewards” for this card.
Fees
4.2
Rewards
3.2
Cost
4.3
Other Features
0.0
3.8/5
Compared against 1,500+ credit cards
KEY TERMS
For a limited time
Earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
Credit Score
Credit Score
Excellent Credit
Citi AAdvantage Business Card Annual Fee
$0 intro 1st yr, $99 after
Citi AAdvantage Business Card APR on Purchases
19.74% - 28.74% (V)
Citi AAdvantage Business Card Balance Transfer
Balance Transfers Not Allowed
Citi AAdvantage Business Card Rewards
Designed for businesses
For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
25% savings on American Airlines inflight Wi-Fi when you use your card
Enjoy preferred boarding on American Airlines flights
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
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
Small business owners with excellent credit can score a very good deal on airline miles right now: 75,000 miles for spending $5,000 within 5 months of getting the Citi® / AAdvantage Business™ World Elite Mastercard® (limited- time offer). That initial bonus is worth an average of $1,117.5 in American Airlines airfare.
The Citi AAdvantage Business World Elite Card offers some ongoing benefits, too, but they won’t knock your socks off. Cardholders earn 1 - 2 miles / $1 on purchases, depending on the category. The card also is good for a free checked bag on American Airlines flights, but only those within the U.S. Cardholders are eligible for preferred boarding and Wi-Fi discounts on American Airlines flights, too.
It’s also worth noting that the Citi AAdvantage Business Card has some tough competition, especially if you’re not committed to American Airlines. There are lots of really good business miles credit cards available right now. Keep reading below to learn more about whether this AAdvantage business credit card is right for you.
Citi AAdvantage Business World Elite Mastercard Review Highlights:
Good bonus. The Citi AAdvantage Business World Elite Mastercard is offering 75,000 miles to new cardholders who spend at least $5,000 in the first 5 months after account opening. That’s worth about $1,117.5 in American Airlines airfare, based on WalletHub’s research into the average redemption value of AAdvantage miles.
Modest ongoing rewards. You will earn 2 miles per $1 spent on American Airlines airfare, telecommunications services, car rentals and gas with this American Airlines business credit card. All other purchases will yield just 1 mile per $1 spent. Those earning rates equate to 1.49% to 2.98% “cash” back, while the average cash rewards card gives you 1.17% back, according to WalletHub research.
Free checked bags and early boarding. These are fairly standard features for an airline credit card, but the fact that you and up to four travel companions each get a free checked bag on American Airlines flights will certainly end up saving you some money. Preferred boarding isn’t as valuable, but some Citi AAdvantage Business cardholders may appreciate the ability to get situated before other passengers.
$99 annual fee waived the first year. The Citi AAdvantage Business Card’s standard $99 annual fee is about 4 times the average credit card’s $26.75 yearly charge. But since this fee is waived for the first year, the card’s initial bonus effectively covers its annual fees for the first ten years you have it.
Excellent credit required. You need excellent personal credit to get approved for the Citi AAdvantage Business Card, so make sure to check your credit score for free on WalletHub before submitting an application. Credit card companies care more about small business owners’ personal credit standing than that of their companies because personal credit histories tend to be longer and more representative. Card issuers also hold small business owners personally liable for unpaid balances.
Not a good option for carrying a balance. The Citi AAdvantage Business Card does not offer 0% intro rates, and most business credit cards are bad for financing given that issuers can increase the interest rate on a balance at any time.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.0
User Reviews
4.0
Market Comparison
3.8
fees: 4.2
rewards: 3.2
cost: 4.3
Other Features: 0.0
3.8WalletHub Rating
WalletHub Rating
3.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.6
User Reviews
3.3
Market Comparison
3.9
fees: 4.3
rewards: 5.0
cost: 3.7
APR: 3.8
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Citi® / AAdvantage Business™ World Elite Mastercard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can log in to your Citi® / AAdvantage Business™ World Elite Mastercard® account by going to the login page on the Citibank website or mobile app and entering your username and password in the appropriate fields. Then, click the “Sign On” to access your online account.
How to Register for Online Access on your Citi AAdvantage Business Card Account
Register your Citi AAdvantage Business Card for online account access. Click “Register” and enter your card number, birthdate and the last 4 digits of your Social Security number or Tax ID number to verify your credit card account.
Choose your Citi AAdvantage Business Card username and password. The username must be between 5 and 50 characters, including (specific or certain) special characters, and no spaces. The password must contain from 8 to 64 characters and have at least one uppercase letter, one number, one lowercase letter, be different from your User ID, have no spaces, no digital images or icons, and no more than two consecutive identical characters. The password is case sensitive and must contain at least one special character.
Log in with your new Citi AAdvantage Business Card credentials. From the login page on the Citibank website or its mobile app for iOS or Android, fill out the User ID and Password fields using your new credentials, and click “Sign On” to access your account.
After you have signed up and logged in, you'll be able to manage your Citi AAdvantage Business Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
In case you forget your login information, you can click “Forgot User ID or Password” on the Citibank login page and follow the prompts to reset or retrieve your username or password.
Yes, the Citi AAdvantage Business Card 75,000-mile bonus offer is available right now. More specifically, the initial bonus offer for this card is 75,000 miles after spending $5,000 in purchases within the first 5 months (limited-time offer) of account opening.
Current Citi AAdvantage Business Card Offers
Designed for businesses
For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
25% savings on American Airlines inflight Wi-Fi when you use your card
Enjoy preferred boarding on American Airlines flights
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
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
The current bonus more than covers the card's annual fee of $99, which is waived the first year. To get approved for the Citi AAdvantage Business Card, you'll need excellent credit.
No, the Citi AAdvantage Business Card 50,000-mile bonus is not available anymore. Instead, new Citi AAdvantage Business Card customers can now earn 75,000 miles after spending $5,000 in purchases within the first 5 months (limited-time offer) of account opening.
In addition, the card offers 2 miles per $1 spent on American Airlines purchases, at telecommunications merchants, cable and satellite providers, car rental merchants and gas stations, 1 mile per $1 on all other purchases. So, business owners who fly with American Airlines can get their money's worth with the Citi AAdvantage Business Card. The card's annual fee is $0 intro 1st yr, $99 after.
No, you cannot get the Citi AAdvantage Business Card's 60,000-mile bonus, as this offer is no longer available. The card now offers an initial bonus of 75,000 miles after spending $5,000 in purchases within the first 5 months (limited-time offer). The card's annual fee is $0 intro 1st yr, $99 after. So, the initial bonus will help you offset the cost of this card for the years to come.
Citi AAdvantage Business Card Rewards
With this card, you can get 25% savings on inflight Wi-Fi and preferred boarding on American Airlines. Besides this, you also get 2 miles per $1 spent on American Airlines purchases, at telecommunications merchants, cable and satellite providers, car rental merchants and gas stations, 1 mile per $1 on all other purchases.
There are several credit cards that offer priority boarding as a benefit, like the Delta SkyMiles® Gold American Express Card. This card offers Zone 5 priority boarding on Delta-operated flights for the primary cardmember and up to 8 companions on the same reservation.
The starting credit limit for the Citi AAdvantage Business Card card will be determined based on:
Your credit score and history
Overall creditworthiness
The business' credit report
Other information Citi may request
If you would like to request a higher credit limit, you can contact the issuer, who might ask for additional documentation such as financial statements to process your request.
The Citi AAdvantage Business Card mainly uses Experian to check your credit when you apply, though Citibank may use TransUnion or Equifax instead, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for the card.
Key Things to Know
The Citi AAdvantage Business Card requires excellent credit.
When you apply, Citibank will perform a hard inquiry on your credit report, which might temporarily damage your credit score by...
The Citi AAdvantage Business Card's miles will only expire if you don't redeem them (or earn any new ones) at least once every 18 months. And even if they do expire, you can reactivate your miles by paying a fee. This fee will vary based on the number of miles you want to reactivate.
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2025 WalletHub Awards
Citi® / AAdvantage Business™ World Elite Mastercard® is an Editor's Pick for:
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4.0
183 reviews
183 reviews
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mercedes_f1_fan @mercedes_f1_fan
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5 Star Rating
This is my third credit card with Citibank, and they have been nothing short of spectacular! They always give the highest credit limits, best promotions, and their online banking is some of the easiest to interact with. As long as you pay your balances on time, getting increases on your credit limit is very straightforward!
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jlevine46 @jlevine46
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1 Star Rating
The absolute worst "business" card that I've ever had. Low credit limit, random denials, and errors when we try to use it, terrible customer service. Charges take forever to post, and then when you make a payment, payments take even longer to post—locking up your credit limit. It's very impractical to use this as a primary credit card. My managers are tearing their hair out. Don't get sucked in by any promotions.
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Andrea Lively @andrealovely01
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1 Star Rating
Citibank has refused to assist with our billing dispute and allowed our card to be charged for $841.28 in unauthorized charges. The card is dangerous and will leave you exposed to hundreds. Lesson learned we will be using our American Express from now on.
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kscmlmac @kscmlmac
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1 Star Rating
Verified Customer
Credit Card customer service is horrible. My signing bonus offer was 50,000 bonus miles and a $250 statement credit. In August when I signed on, the representative I spoke to assured me I would see these offers. In September, I saw the 50,000 miles, but not the $250. The representative told me I would see my statement credit on my October statement. The credit did not show. Customer service told me to show them my offer, and then I can have my credit. This was the best their supervisor could do. I emailed a formal complaint to their team and have yet to receive a response. Truthfully, I think other airlines are better anyway. One of their attendants charged me for a checked bag, even though that's a benefit of the card, and she said "too bad just submit for a refund later." Fly and establish with somewhere else.
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seljuki @seljuki
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1 Star Rating
Citi credit card customer service has lately become a disaster. They have transferred their tier-1 support to somewhere in Asia and that has been a nightmare. The reps are ignorant, have an accent that is difficult to understand, and above all, they are not professional. I recently had an experience where I informed Citi in advance about a large transaction from Dell. The transaction was denied anyway, after which I received a call from Citi fraud department. The caller ID showed “Toll Free” and ironically, “to confirm my identity”, the rep started asking sensitive security information from me. I said you guys are calling me and you should know whom you are calling. I told them I will give you my security info only when I call you. The lady had issues with communication and I had to hang up in the middle of conversation. That day, Citi kept contacting me and I spoke to at least 5 different people with the same result. I even asked for a supervisor but the supervisor was from the same overseas country and I got the same result. Finally, I got really frustrated and refused to talk to anyone outside the United States. That was a blessing since my issue was resolved with 3-4 minutes after I got transferred to US-based customer service. The rep was courteous, knowledgeable and professional. God bless America ??
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mjbubbenmoyer @mjbubbenmoyer
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1 Star Rating
Three consecutive payments held for review by Citi. I have been a card member for 3+ years, 100% on-time payments with full balance paid monthly. Funds were debited from my bank account but held for review by Citi before applying toward my available credit on three consecutive occasions. I cannot do business when my available credit continually decreases due to unwarranted holds from Citi.
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Barbara @barbconnolly0722
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5 Star Rating
Verified Customer
Enjoyed free baggage allowance on flights
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jcre05 @jcre05
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1 Star Rating
If there's a zero star, citi business platinum select card. I have had a long 20+ with other citi cards. I have no issue with anyone of them except this citi aadvantage business platinum select card. Please avoid this card for your sanity at all cost. I have been dealing with this citi card for 3 months+ with numerous calls and hours. My dispute with a fraudulent charge by their merchant, aliexpress (a front and sham company with a small office in san mateo, ca.)For a return of missing parts was ignored. Aliexpress is u.s. located otufit disguised to make fraudulent charges indirectly on behalf of alibaba in china, it's a scam company to make over 7400+ fraudulent charges just by a simple google search. My last call was on 5/14/2021 with jackie in u.s. again, she transferred me to india call center which doesn't respond to my information provided regarding my dispute with aliexpress which is a fraudulent sham company of alibaba in china. The executive in charge of this division needs to go because someone in charge is ignoring my repeated calls to the u.s. customer service dept. And dispute dept. I am keeping my long-time 20+ citi double card and costco citi business visa card. I appreciate the excellent services of citi double cash and costco business visa card. Aadvantage is also doing a disservice to its aa members by its greedy corporate marketing tactics to associate aa to this citi aadvantage business paltinum select card. I have been an aadvantage member since 1980.
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Review Citi® / AAdvantage Business™ World Elite Mastercard®
Citi® / AAdvantage Business™ World Elite Mastercard®
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* The information about the following cards has been independently collected by WalletHub: Star One Visa Signature Rewards Card, United℠ Explorer Card, Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, and Frontier Airlines Credit Card.
2025 WalletHub Awards
Citi® / AAdvantage Business™ World Elite Mastercard® is an Editor's Pick for:
