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Citi® / AAdvantage Business™ World Elite Mastercard®
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Citi® / AAdvantage Business™ World Elite Mastercard®

A $99-a-year airline card from Citi.

Locked to American Airlines AAdvantage
Annual fee
$0 first year, then $99/yr
Welcome bonus
65,000 miles
Min spend
$4,000 in 4 months
Recommended credit
Good to Excellent (670+)
Network
Mastercard
Apply on Citi site6.7/10Our rating · review ›

Rates, fees, and full terms are set by Citi and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Citi application and welcome-bonus rules →
Offer last verified August 9, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on travel, dining, and gas and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $99 annual fee.

Earning rates

2x miles on American Airlines purchases, at restaurants and gas stations, and on select telecom, cable, and car rental purchases
1x mile on all other purchases

Best ways to earn & redeem

Put your travel, dining, and gas spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its travel rate is on the modest side for that category, so compare before you commit.

When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

Free first checked bag for you and up to 4 companions on domestic AA itineraries
Preferred boarding on American Airlines flights
$99 annual fee waived the first year

Alternatives to the Citi® / AAdvantage Business™ World Elite Mastercard®

Pairs well with

The Citi® / AAdvantage Business™ World Elite Mastercard® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Citi® / AAdvantage Business™ World Elite Mastercard® lands.

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