Citi · Mastercard World Elite · Business
American Airlines AAdvantage Business
A $99-a-year business card earning cash back: 2× on 5 categories, 1× on everything else.
- Annual fee
- $99Charged every year
- Signup bonus
- 65,000 ≈ $650 in cash back (our estimate)*
- Top rate
- 2×5 categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 65,000 points · spend $4,000 in purchases within the first 4 months of account opening | $650 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee Charged each year | −$99 | −$99 |
| NetYear one includes the bonus · at your inputs · our estimates* | $551 | −$99 |
The bonus needs $4,000 in purchases within the first 4 months of account opening.
Earning structure
6 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare (Portal) | 2× | $2.00 | |
| Car Rentals | 2× | $2.00 | |
| Cell Phone Carriers | 2× | $2.00 | |
| Gas Stations | 2× | $2.00 | |
| Internet and Cable | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $99
- Card type
- Business
- Network
- Mastercard World Elite
- Bank
- Citi
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Benefits3 · 0 high value
- Earn Perks & Status Earn an American Airlines Companion Certificate
- Instant Perks & Status Earn Loyalty Points + 1 more instant perks & status benefit
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 American Airlines AAdvantage Business |  American Airlines AAdvantage Platinum Select Business |  Costco Anywhere Business |  Korean Air SKYPASS Business | |
|---|---|---|---|---|
| Annual fee | $99 | $99Same | $0−$99 | $99Same |
| Signup bonus | 65,000 pts | 65,000 pts | None | 50,000 pts |
| Top rate | 2×5 categories | 2×6 categories | 5×Special | 2×6 categories |
| Travel value * | –Cash back | 1.42¢American Airlines Miles | –Cash back | 1.53¢SKYPASS Miles |
| Why it’s here | This card | Same $99 annual fee; business card | An annual fee within $100; business card | Same $99 annual fee; business card |
American Airlines AAdvantage Platinum Select Business
$99 fee (same) · 2× top65,000 pts bonusSame $99 annual fee; business card
Costco Anywhere Business
$0 fee (−$99) · 5× topNone bonusAn annual fee within $100; business card
Korean Air SKYPASS Business
$99 fee (same) · 2× top50,000 pts bonusSame $99 annual fee; business card
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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