Card details · Citi
Citi / AAdvantage Business card review: fees, rewards and APR
The Citi® / AAdvantage Business™ card is a credit card from Citi with a $99 (waived for the first year) annual fee. By our overall score it ranks #92 of the 435 credit cards we rank (store-only cards excluded), and #8 of 14 Citi cards. It is listed in our business rankings.
Key facts
- Issuer
- Citi
- Network
- Mastercard
- Annual fee
- $99 (waived for the first year)
- Welcome offer
- 75,000 AAdvantage miles after $5,000 spend in 5 months
- Foreign transaction fee
- None
- Our overall score
- 57 (#92 of 435 cards)
Sign-up bonus history
At or near the highest offer we’ve tracked
- Current offer
- 75,000 miles
75,000 AAdvantage miles after $5,000 spend in 5 months - Highest tracked since April 2026
- 75,000 miles
75,000 AAdvantage miles after $5,000 spend in 5 months - Lowest tracked since April 2026
- 65,000 miles
65,000 AAdvantage miles after $4,000 spend in 4 months - Changes tracked
- 4
Show each tracked change
| When | Headline amount | Offer as recorded |
|---|---|---|
| Tracking started (April 2026) | 75,000 miles | 75,000 AAdvantage miles after $5,000 spend in 5 months |
| June 2026 | 65,000 miles | 65,000 AAdvantage miles after $4,000 spend in 4 months |
| July 2026 | 75,000 miles | 75,000 AAdvantage miles after $5,000 spend in 5 months |
| October 2026 | 65,000 miles | 65,000 AAdvantage miles after $4,000 spend in 4 months |
| October 2026 | 75,000 miles | 75,000 AAdvantage miles after $5,000 spend in 5 months |
We compare each offer’s headline bonus amount and track it since April 2026 (earlier history is not covered). A month is when our regular issuer check first saw that offer; an exact date marked “issuer start date” comes from the issuer. Spend requirements and time windows may have changed too. Past offers don’t predict future ones. Methodology.
Rewards
- 2 AAdvantage® miles per $1 on eligible American Airlines purchases, at car rental merchants, at gas stations, and at telecommunications merchants and cable and satellite providers
- 1 mile per $1 on all other purchases
Benefits and notes
First checked bag free on domestic American Airlines itineraries for you and up to 4 companions; Preferred boarding; 25% savings on inflight food, beverages and Wi-Fi; American Airlines Companion Certificate ($99 plus taxes and fees) after $30,000 in purchases each cardmembership year and renewal; Coming January 24, 2027: annual fee rises to $150 (still waived the first 12 months); 3X miles on AAdvantage Hotels and AAdvantage Cars bookings; 2X miles on one category you choose (U.S. shipping, office supply stores or U.S. advertising); up to $100 a year back on inflight purchases (replaces the 25% inflight savings); up to $120 Global Entry or TSA PreCheck credit every 4 years; 25% off a Melio subscription; trip cancellation, trip delay, baggage and car rental coverage
Where it ranks
- Overall: #92 of 435 cards (score 57)
- Citi credit cards: #8 of 14
- Business cards: #14 of 93 by our business score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Citi’s site) as of November 8, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Citi / AAdvantage Business card?
$99 (waived for the first year), as stored in our database. Confirm the current fee on Citi’s site.
Does the Citi / AAdvantage Business card have a welcome bonus?
Our database lists this offer: 75,000 AAdvantage miles after $5,000 spend in 5 months Offers change often and terms apply.
Does the Citi / AAdvantage Business card have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the Citi / AAdvantage Business card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the Citi / AAdvantage Business card rank on Your Best Cards?
#92 of 435 cards by our overall score (57). In our category lists: #14 of 93 business cards.
What is the highest Citi / AAdvantage Business card sign-up bonus you have tracked?
Since April 2026, the highest headline amount we have tracked is 75,000 miles and the lowest is 65,000 miles, across 4 changes. The current offer is 75,000 miles. This only covers the period we have tracked; terms apply.
Other top Citi cards
- 10x points per $1 spent on hotels, car rentals and attractions booked at cititravel.com
- 3x points on air travel and other hotel purchases
- 3x points at supermarkets, restaurants, gas & EV charging stations
- Annual fee
- $95
- Welcome offer
- Earn 60,000 bonus points spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- 5x points per dollar on hotels, car rentals, and attractions booked on cititravel.com
- 3x points per dollar spent at supermarkets
- 3x points per dollar spent on select transit and at gas & EV charging stations
- Annual fee
- $0
- Welcome offer
- Earn 20,000 bonus points after spending $1,000 in the first 3 months.
- Intro APR
- purchases 15 months · balance transfers 15 months
- 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- 6 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels™ bookings
- 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery
- Annual fee
- $350
- Welcome offer
- Earn 60,000 AAdvantage® bonus miles after $4,000 in purchases in the first 3 months
- 12 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings
- 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After you spend $150,000 in purchases in a calendar year, earn a total of 5 AAdvantage® miles for every $1 spent on eligible American Airlines purchases for the remainder of the year
- 1 mile for all other purchases
- Annual fee
- $695
- Welcome offer
- Earn 125,000 AAdvantage® bonus miles after making $15,000 in purchases within the first 5 months of account opening.
- 1% cash back when you buy, plus 1% as you pay (2% total) on all purchases
- Annual fee
- $0
- Welcome offer
- Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
- Intro APR
- balance transfers 18 months
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.