For small-business owners who like to fly with American Airways, the Citi® / AAdvantage Business™ World Elite Mastercard® (see rates and fees) ought to be in your crosshairs.
It is an inexpensive card with no annual price for the primary cardholder yr, then a $99 annual price applies annually thereafter. I all the time respect the prospect to attempt a card out for a yr to see if it is a good match for me with out committing to a price.
In fact, it is nonetheless good to take a detailed take a look at a card earlier than making use of. Happily, the Citi / AAdvantage Enterprise affords loads of worth, together with free checked bags and stable incomes charges on American. Card score*: ⭐⭐⭐
*Card rating relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Citi / AAdvantage Enterprise: The fundamentals
The Citi / AAdvantage Business is like loads of mid-tier playing cards in that it affords a reasonable set of advantages as an alternative of the treasure trove of assertion credit, elite standing boosts and lounge perks that include premium cards.
This card’s advantages favor vacationers preferring to fly with American Airlines, but it surely does not require a full dedication to the airline due to its modest $99 annual price (after the primary cardholder yr).
In contrast to what you may anticipate given its label as a enterprise card, the Citi / AAdvantage Enterprise does not actually have many perks particularly geared towards enterprise house owners.
Due to that, I consider this card is finest for these with a aspect hustle or a enterprise with minimal bills. You may nonetheless qualify for this card, and also you doubtless will not miss the enterprise advantages it lacks.
American Airways advantages
Cardholders will obtain the next American Airways-centric perks:
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- First checked bag free for you and as much as 4 folks flying on the identical reservation
- Preferred boarding
- A 25% low cost on inflight purchases on American Airways flights
- Means to earn an American Airways companion certificates ($99 plus taxes and costs) after spending $30,000 or extra in an account yr
- Means to earn bonus miles on American Airways purchases and Loyalty Points on all purchases
- Boosted earnings as an AAdvantage Enterprise member
Different perks
Along with the advantages I’ve simply talked about, cardholders have entry to those perks:
- Means to earn bonus American Airways miles on gasoline station, automotive rental and telecommunications purchases
- Can add worker playing cards at no extra price
- Profit from no foreign transaction fees
Citi / AAdvantage Enterprise professionals and cons
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Citi / AAdvantage Enterprise advantages
The Citi / AAdvantage Business is without doubt one of the most inexpensive airline playing cards. I view free checked baggage, most popular boarding, no-additional-fee worker playing cards and bonus Loyalty Factors on spending as its standout perks.
On condition that checking baggage with American prices not less than $35 per bag one-way, you may recoup this card’s annual price after the primary cardholder yr by checking a bag not less than thrice. When you usually travel with an employee or one other companion, that turns into very straightforward to do.
With out this card, checking a bag thrice would price $105, simply north of this card’s $99 annual price (after the primary yr). When you journey with one companion, checking one bag every would price you $210 with out the AAdvantage Enterprise.
You may have to spend $30,000 in a cardholder yr to earn a companion certificate ($99 plus taxes and costs). That is an extremely excessive spending requirement for a mid-tier card; I would prefer to see Citi slash that in half.
Any worker playing cards you add will earn bonus miles, so I strongly suggest including them if your small business has any workers.
I want this card had extra business-oriented advantages. Because it stands, the Citi / AAdvantage Enterprise shares a lot of its perks with the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.
If you have already got the AAdvantage Platinum Choose, it is going to in all probability be laborious to search out a lot of a motive to open this card.
The knowledge for the Citi / AAdvantage Platinum Choose has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Methods to earn and use your rewards
The Citi / AAdvantage Business retains its incomes classes easy. Cardholders earn:
- 2 miles per greenback spent on eligible American Airways purchases
- 2 miles per greenback spent on gasoline station and automotive rental purchases
- 2 miles per greenback spent on telecommunications, cable and satellite tv for pc suppliers
- 1 mile per greenback spent on all different purchases
There aren’t many playing cards that supply bonus earnings on telecommunication providers, so the AAdvantage Enterprise is a viable choice for these bills.
Loads of normal journey playing cards earn bonus rewards on gas stations and car rentals; these playing cards earn transferable rewards which can be usually value greater than American Airways miles.
In fact, this card ought to be your go-to for American Airways purchases, except you’ve gotten a card that earns extra factors per greenback spent on flights (such because the American Express Platinum Card®).
Do not forget that you may earn 1 Loyalty Point per greenback spent on all purchases, serving to you get nearer to elite status with American.
I would prefer to see workplace provide shops and cloud service suppliers added as bonus classes since enterprise house owners might get loads of worth out of them.
Utilizing your rewards
As soon as it comes time to redeem the miles you earn, your finest wager is all the time to redeem them for flights. You need to use your miles for American Airways flights or for a flight on certainly one of its companion airways, resembling Alaska Airways or Finnair.
TPG senior editor Giselle Gomez booked a round-trip flight from Miami Worldwide Airport (MIA) to Las Vegas’ Harry Reid Worldwide Airport (LAS) final yr for 17,000 miles complete. Money costs have been round $450 on the time, so she managed to snag a stable deal for her miles, above TPG’s March 2026 valuations.
You can too use your AAdvantage miles for flight upgrades, resorts, automotive leases, trip packages, cruises and Admirals Membership passes. Other than cabin upgrades on flights, I do not suggest any of those choices.
Associated: Why American Airlines AAdvantage has become my most valuable rewards currency
Downsides to contemplate in regards to the Citi / AAdvantage Enterprise
As I discussed beforehand, the Citi / AAdvantage Business lacks important business-oriented perks to set it aside from the Platinum Choose. If you have already got a shopper Citi / AAdvantage card, it might be laborious to justify holding the Citi / AAdvantage Enterprise.
This card’s incomes classes aren’t the strongest, apart from its earnings on American Airways purchases. When you’re on the lookout for a card to your on a regular basis bills, you would be higher off with an alternative choice.
So as to get outsize worth out of this card’s $99 annual fee (after the primary cardholder yr), you may have to fly with American not less than just a few occasions annually.
Associated: Which AAdvantage card is right for you? Here are 3 options you should consider
Citi / AAdvantage Enterprise vs. Citi / AAdvantage Platinum Choose
As I alluded to earlier, the AAdvantage Enterprise and the AAdvantage Platinum Choose have rather a lot in frequent. The largest distinction you may discover is of their incomes charges.
Each playing cards earn 2 miles per greenback spent on eligible American Airways purchases and at gasoline stations. The Platinum Choose units itself aside by incomes 2 miles per greenback spent on eating places moderately than on telecommunications and automotive leases.
You may nonetheless get free checked baggage, most popular boarding, bonus Loyalty Factors and inflight financial savings with the Platinum Choose.
Much like how the AAdvantage Enterprise does not cost further for worker playing cards, you will not must pay extra charges for approved customers on the Platinum Choose.
Which card you select comes right down to which incomes charges you favor.
Is the Citi / AAdvantage Enterprise value it?
When you do not have already got the Platinum Choose and might benefit from its American Airways-oriented perks, I like to recommend the Citi / AAdvantage Business. It affords a stable roster of advantages for many who take pleasure in flying with American, plus affordable incomes charges for the common enterprise spender.
When to use for the Citi / AAdvantage Enterprise
For a restricted time, new Citi / AAdvantage Business cardholders can earn 75,000 bonus miles after spending $5,000 on purchases within the first 5 months from account opening.
Based on TPG’s valuations, these bonus miles are value $1,275. This matches the highest offer we have seen for this card, so now is a superb time to use.
Including 75,000 miles to your AAdvantage account can go a good distance, relying on what you redeem them for. Just a few concepts embrace:
- Home flights, which begin as little as 7,500 miles one-way plus taxes and costs, although select deals sometimes convey costs down much more to six,000 miles
- Lengthy-haul business-class flights, resembling Dulles Worldwide Airport (IAD) close to Washington, D.C., to London’s Heathrow Airport (LHR) on Iberia for simply 57,500 miles and $155 in taxes and costs
- Spherical-trip financial system flights to Mexico, resembling between Dallas Fort Price Worldwide Airport (DFW) and Cancun Worldwide Airport (CUN) for 16,000 miles plus $149 in taxes and costs
Earlier than submitting your utility, make sure that to take Citi’s utility guidelines into consideration.
Different playing cards to contemplate if you don’t need the Citi / AAdvantage Enterprise
I’ve already talked about the Platinum Choose as a powerful competitor, however listed below are another choices to consider:
For added choices, try our picks for the best American Airlines cards and the best travel cards.
Backside line
The Citi / AAdvantage Enterprise is a good mid-tier selection for small-business house owners on the lookout for a card to assist elevate their travels with American Airways. It affords a reasonable number of perks that can assist your flight expertise go extra easily, from checking baggage to boarding to creating inflight purchases.
If you have already got an AAdvantage card, you won’t get a lot out of the AAdvantage Enterprise. But when that is your first foray into American Airways’ playing cards, I recommend giving the AAdvantage Enterprise a shot.
Apply right here: Citi / AAdvantage Business World Elite Mastercard
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