Citi / AAdvantage Business World Elite Mastercard
| Annual fee | $99 Fact |
| Foreign transaction fee | None |
| Rewards currency | AAdvantage miles |
| Est. point value | 1.40¢ Estimate |
Last updated Jul 26, 2026
Checked Jul 26, 2026
Before you apply
General Citi policies as commonly reported by applicants, not a prediction about your application.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Other | 2x | AAdvantage miles | No cap |
| Gas and EV charging | 2x | AAdvantage miles | No cap |
| Flights | 2x | AAdvantage miles | No cap |
| Everything else | 1x | AAdvantage miles | No cap |
Recurring credits
Estimated value| 25% savings on inflight food, beverages and Wi-Fi purchases when using the card on American Airlines flights. | $25/yr (one-time/annual) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsEach cardmember (primary and employees) earns 1 Loyalty Point for every $1 spent on business card purchases, contributing toward AAdvantage status.
Preferred boarding (Group 5) on American Airlines flights for the cardmember and up to 4 companions on the same reservation.
Manage business expenses anytime and get 24/7 assistance for business travel through the Citi Mobile App.
No blackout dates when booking travel with miles.
Earn an American Airlines Companion Certificate for qualifying domestic travel after spending $30,000 in purchases each cardmembership year and renewal of cardmembership; redeeming the certificate costs $99 plus taxes and fees.
Access to Citi Entertainment program offering presale tickets and exclusive experiences to concerts, sports, and cultural events.
Digital wallets allow secure shopping online, in apps, and in stores while protecting card information.
Pay over time in fixed monthly payments on eligible purchases of $75 or more while continuing to earn points.
Mastercard's ID Theft Protection program monitors chosen information and alerts cardmembers to suspicious activity; free enrollment required.
Citi will alert cardmembers if unusual activity is detected on their account.
Employee cards can be added at no additional cost, and the business earns more miles when employees use their cards for purchases.
Cardmembers get free access to their FICO Score online to review credit history.
Shop safely with a contactless, chip-enabled card by tapping on the payment reader.
Live customer service representatives are available 24 hours a day, 365 days a year for cardmembership questions.
Get statements and most legal notices online instead of by mail to reduce clutter.
Cardmembers can choose to pay their bill on any available due date each month.
Stay updated on balance, payments, and credit limits via email or text alerts.
Chip card technology provides enhanced security and global acceptance while keeping the same card number.
Use Citi Quick Lock in the Citi Mobile App or at citi.com to instantly block new charges while allowing recurring transactions to continue.
No maximum limit on the amount of American Airlines AAdvantage miles that can be accumulated with the card.