As a small business owner, maximizing every dollar spent is crucial to achieving success. And one way to do that is to take advantage of credit card rewards programs. 

The CitiBusiness / AAdvantage Platinum Select Mastercard is one such option that offers a host of benefits to help businesses save money and earn rewards. 

From bonus points to low APRs, this credit card is worth considering for any small business owner looking to make the most of their spending. 

In this article, we’ll take a closer look at the CitiBusiness / AAdvantage Platinum Select Mastercard and everything it has to offer.

Bonus Point Offers and How to Earn Them

As a business owner or frequent traveler, getting rewarded for using your credit card is a major plus. 

With the CitiBusiness / AAdvantage Platinum Select Mastercard, you can earn bonus points just by using your card for everyday purchases. These bonus points can be redeemed for flights, hotel stays, car rentals, and more.

One of the most attractive features of the CitiBusiness / AAdvantage Platinum Select Mastercard is the bonus point offers that come with it. When you sign up for the card, you can earn a generous bonus of 65,000 American Airlines AAdvantage® bonus miles after you make $ 4,000 in purchases within the first four months of account opening. This is a great way to jumpstart your miles earning and get closer to your travel goals.

In addition to the initial bonus, the CitiBusiness / AAdvantage Platinum Select Mastercard also offers bonus points on certain purchases. With American Airlines,  car rental merchants, telecommunications merchants, cable and satellite providers, and gas stations, you can earn 2 AAdvantage® miles for every $1 spent. You can earn 1 AAdvantage® mile for every $1 spent on all other purchases.

To make the most of these bonus point offers, it’s important to understand how to earn them. 

One strategy is to use your CitiBusiness / AAdvantage Platinum Select Mastercard for all of your business expenses, such as office supplies, travel expenses, and client dinners. By doing so, you can earn bonus points on these purchases and rack up AAdvantage® miles quickly.

Overall, earning bonus points with your CitiBusiness / AAdvantage Platinum Select Mastercard is a great way to maximize your rewards and get the most out of your business expenses. 

With careful planning and strategic use of your card, you can earn enough AAdvantage® miles to take your next business trip or vacation for free or at a reduced cost.

APR and Interest Rates

APR and interest rates are crucial when reviewing credit cards, and the CitiBusiness / AAdvantage Platinum Select Mastercard is no exception. The APR on this card is variable and can fluctuate based on changes in the prime rate, and can vary depending on your creditworthiness.

As of March 2023, the variable APR for purchases ranges from 20.74% – 29.74%. 

Additionally, there is a penalty APR of up to 29.99% if a payment is missed. It’s essential to remember that carrying a balance can accrue significant interest charges, so it’s always best to pay your balance in full and on time each month to avoid high fees.

Annual Fees and Other Charges

As with any credit card, it’s important to understand the potential costs associated with the CitiBusiness / AAdvantage Platinum Select Mastercard. One such cost is the annual fee, which is assessed on a yearly basis and can vary from card to card.

For the CitiBusiness / AAdvantage Platinum Select Mastercard, the annual fee is $99. First-year card members are exempt from this fee. This can be a significant benefit for new cardholders who are looking to save money.

In addition to the annual fee, there are a few other charges that you should be aware of. For example, there is a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater.

It’s important to keep these fees and charges in mind when using the card, as they can add up quickly if you’re not careful. However, if you use the card responsibly and pay your balances in full each month, you can avoid many of these charges and enjoy the benefits of the card without incurring too much additional cost.

Additional Cardholder Benefits

As an additional perk, the CitiBusiness/AAdvantage Platinum Select Mastercard offers several benefits for cardholders. These benefits are designed to add value to the card and make travel easier and more enjoyable. 

Preferred Boarding

Cardholders are eligible for preferred boarding on American Airlines flights. This means that they can board the plane earlier than other passengers, giving them more time to get settled and relax before takeoff. The primary cardholder can take up to four companions to board with them at the same time.

Free Checked Bag

Cardholders and up to four companions on the same reservation can check one bag for free on domestic American Airlines flights. 

In-Flight Savings

Cardholders receive a 25% discount on in-flight purchases of food and drinks on American Airlines flights. This can be a great way to save money on snacks and beverages during your flight. They can also receive 25% discount on inflight Wi-Fi purchases.

Overall, the additional cardholder benefits offered by the CitiBusiness/AAdvantage Platinum Select Mastercard can make travel more enjoyable and help you save money. Be sure to check the terms and conditions of the card to learn more about these benefits and how to use them.

Conclusion: Is the CitiBusiness / AAdvantage Platinum Select Mastercard Right for You?

In conclusion, the CitiBusiness / AAdvantage Platinum Select Mastercard offers a variety of benefits and rewards for business owners who frequently travel with American Airlines. 

The bonus point offers, low APR, and annual fee waiver for the first year make it an attractive option for those looking to earn rewards while maintaining a low cost of ownership. 

Additionally, the card comes with additional cardholder benefits such as complimentary employee cards, extended warranty, and purchase protection. 

Overall, the CitiBusiness / AAdvantage Platinum Select Mastercard is a solid choice for business owners who want to earn rewards on their business expenses and travel with American Airlines. 

As with any credit card, it’s important to consider your specific needs and financial situation before applying.