CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® Review (2025.4 Update: 75k Offer)

physixfan 2025-04-11 2025-04-11

2025.4 Update: The 75k offer is back.

2024.10 Update: The 75k offer is back.[Updated] Expired.

2024.8 Update: The 75k offer is expired.The current offer is 65k.

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Benefits

75k Offer: earn 75,000 AAdvantage Miles after spending $5,000 in first 5 months.This is the best offer on this card in recent years.
We value AA Miles at 1.5 cents/point (Airline Miles Value), so the 75k highest sign-up bonus worth about $1,125! See A Beginner’s Guide to AA Miles to check for details about AA Miles.
Earn 2 AAdvantage miles per $1 spent on eligible American Airlines purchases, 1 AAdvantage mile per $1 on other purchases.
First checked bag free on domestic American Airlines flights for you and up to four companions.
Earn an American Airlines Companion Certificate each year after spending $30,000 or more.
Priority boarding on American Airlines flights.
25% savings on eligible in–flight purchases using card.
Fly to select destinations on American Airlines operated flights for up to 7,500 fewer AAdvantage miles with Reduced Mileage Awards.
No foreign transaction fee.

Disadvantages

$99 annual fee, waived for the first year.

Recommended Application Time

[8/65 Rule] You can apply for at most 1 Citi card every 8 days and at most 2 Citi cards every 65 days, regardless of whether you are approved.
[Updated] [1/48 Rule] The welcome bonus is not available if you have received a new account bonus for this card in the past 48 months.
We recommend you apply for this card after you have a credit history of at least one year.

Summary

This business card is quite similar to the personal version.

The sign-up bonus of this card is usually very high, which makes it one of the best sign-up bonus and thus worth applying for almost anyone who can use AA miles.However, the earnings rate is not impressive, which makes it hard to justify holding after the first year due to the $95 annual fee.If you fly AA a lot and the perks of the card are valuable to you, it may be worth keeping.Otherwise you can consider downgrading it to a card with no annual fee (if available).

Related Credit Cards

Recommended Downgrade Options

After Applying

Call 888-201-4523 to check Citi application status.

Citi reconsideration backdoor number: 605-331-1698.

This is a so called “Citi EO” (Executive Office) phone number.This phone number is not designed to make reconsiderations, but the representatives are really helpful.

Historical Offers Chart

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.