Citi® / AAdvantage® Business World Elite Mastercard®

Fees:

  • Annual Fee: $0 for the first year, then $99
  • Foreign Transaction Fee: None
  • Cash Advance Fee: $10 or 5% of the cash advance amount, whichever is greater

APR:

  • Purchases: 20.24% – 29.24% variable
  • Cash Advances: 29.49% variable
  • Penalty APR: Up to 29.99% (applies for late or returned payments)

Offer:

  • Sign-Up Bonus: Earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months.
  • Introductory Annual Fee: $0 for the first year.
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  • Earning Miles: Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, gas stations, car rentals, and telecommunications merchants. Earn 1 mile per $1 on other purchases.

  • Travel Perks: Free first checked bag for you and up to 4 companions on the same reservation, saving up to $400 per round trip.

  • Companion Certificate: Earn a companion certificate for domestic travel after spending $30,000 or more in a membership year, with a $99 ticketing fee and applicable taxes.
Features
  • Earn Loyalty Points: 1 point per $1 spent on purchases to achieve AAdvantage® status.
  • Preferred boarding on American Airlines flights.
  • Save 25% on inflight Wi-Fi, food, and beverage purchases.
  • No foreign transaction fees for international spending.
  • Access online business tools for tracking expenses and managing accounts.
  • Special Mastercard offers for business solutions.
Details

The Citi® / AAdvantage® Business World Elite Mastercard® is designed for small business owners seeking to earn travel rewards while enjoying premium travel perks. Cardholders can earn 2 miles per dollar spent on American Airlines purchases, gas stations, car rentals, and telecommunications expenses, and 1 mile per dollar on other purchases. Benefits include a free checked bag for up to 5 travelers on the same itinerary, preferred boarding, and savings on inflight purchases. Additionally, spending $30,000 annually earns a domestic travel companion certificate. The first year’s $99 annual fee is waived, and no foreign transaction fees make this card suitable for frequent international travelers.

Pros
  • Generous sign-up bonus of 75,000 miles.
  • $0 annual fee for the first year.
  • Travel perks like free checked bags and preferred boarding.
  • No foreign transaction fees.
  • Companion certificate benefit for high spenders.
  • Earn miles on a variety of business-related purchases.
Cons
  • $99 annual fee after the first year.
  • High spending threshold for earning the companion certificate.
  • Limited bonus earning categories beyond travel-related expenses.
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Responsible Credit Card Usage

While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.

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