Citi® / AAdvantage Business™ World Elite Mastercard®
65,000 AAdvantage® miles after you spend $4,000 in 4 months.
- Welcome offer
- Issuer's pageciti.com
“EARN 65,000 AADVANTAGE ® BONUS MILES AFTER QUALIFYING PURCHASES 2”
- Annual fee
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pageciti.com
“The standard variable APR for purchases is 19.74 % - 28.74 %, based on your creditworthiness.”
- Foreign transaction fee
- Issuer's pageciti.com
“No foreign transaction fees 1”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $780 | $35 |
| Typical spender | $975 | $225 |
| Heavy spender | $1,345 | $595 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 1x Cardmembers also earn 1 additional Loyalty Point per $1 spent on purchases with their card; points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 65% of the 650 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
65,000 miles
After you spend $4,000 on purchases in your first 4 months.
For your business after $4,000 in purchases within the first 4 months of account opening.
Spending it takes$1,000 a monthfor 4 months
Tracking sinceSep 29, 2026history will chart every change
How you earn · AAdvantage Business™ program
- 2× milesEligible American Airlines purchases
- 2× milesTelecommunications merchants
- 2× milesCar rental merchants
- 2× milesCable and satellite providers
- 2× milesGas stations
- 1× pointsCardmembers also earn 1 additional Loyalty Point per $1 spent on purchases with their card
- 1× milesEverything else
Rates and fees
| Annual fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pageciti.com “The standard variable APR for purchases is 19.74 % - 28.74 %, based on your creditworthiness.” |
| Cash advance APR | Issuer's pageciti.com “The standard variable APR for cash advances is 29.99 %.” |
| Cash advance fee | Issuer's pageciti.com “Cash advance fee — either $ 10 or 5 % of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Issuer's pageciti.com “The variable Penalty APR is up to 29.99 % and may be applied if you make a late payment or make a payment that is returned.” |
| Foreign transactions | Issuer's pageciti.com “No foreign transaction fees 1” |
| Minimum interest charge | Issuer's pageciti.com “Minimum interest charge — $ 0.50 .” |
Carrying a balance? See how long it takes to pay off
Benefits
- First checked bag free on domestic American Airlines itineraries for the primary cardholder and up to 4 companions traveling in the same reservation.
- Preferred boarding on American Airlines flights: the primary cardmember and up to 4 companions in the same reservation board in Group 5.
- American Airlines Companion Certificate after spending $30,000 in purchases each cardmembership year and renewing the cardmembership; redemption requires a $99 ticketing fee plus taxes and fees.
- No blackout dates when booking with miles.
- No limit on the amount of American Airlines AAdvantage® miles that can be earned.
- Complimentary premium cabin upgrades, complimentary Main Cabin Extra and Preferred Seats, and same-day standby priority are available to status members; benefits vary by status tier.
- AAdvantage® miles can be redeemed for flights to nearly 1,100 destinations worldwide on American Airlines, oneworld® and partner airlines, as well as seat upgrades, car rentals, hotel stays, vacation packages and more.
- No foreign transaction fees for purchases.
- Employee cards are available at no additional cost.
- AAdvantage Business™ program tools simplify booking, reporting and travel management.
- Citi Entertainment® provides eligible Citi® credit card customers special access to event tickets and experiences.
Questions
- What is the annual fee?
- $99. However, this fee is waived for the first 12 months. citi.com, since Oct 2, 2026
- Does it charge a foreign transaction fee?
- No. citi.com, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR citi.com, since Oct 2, 2026
- Is there a welcome bonus?
- 65,000 AAdvantage miles after $4,000 in purchases in 4 months. citi.com, since Sep 29, 2026
Other miles cards
- Capital One Venture BusinessCapital One · +$280 a year
- TD Bank First ClassTD Bank · +$95 a year
- Frontier Airlines WorldBarclays · +$50 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).