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 Aug 29, 2026
Checked Sep 12, 2026
Before you apply
General Citi policies as commonly reported by applicants, not a prediction about your application.
📈 Sign-up bonus history
5-year best: 75,000 milesView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Sep 2021 to Nov 2024 · 3.2 yr | 65,000 miles | $4,000 |
| Nov 2024 to Apr 2025 · 5 mo | 75,000 miles Best | $5,000 |
| Apr 2025 to Apr 2025 · 21 days | 65,000 miles | $4,000 |
| Apr 2025 to Sep 2025 · 5 mo | 75,000 miles Best | $5,000 |
| Sep 2025 to now · 12 mo | 65,000 miles | $4,000 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. Elevated or targeted offers are not shown.
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 |
Benefits & protections
Card factsEach cardmember (primary and employees) earns 1 Loyalty Point for every $1 spent, contributing toward AAdvantage status.
No blackout dates when booking travel with miles.
Earn an American Airlines Companion Certificate for qualifying domestic travel after you spend $30,000 in purchases each cardmembership year and cardmembership is renewed. Redeeming the certificate is $99 for the ticketing fee plus taxes and fees.
25% savings on inflight food, beverages and Wi-Fi purchases when using the card on American Airlines flights.
Preferred boarding in Group 5 on American Airlines flights with early access to overhead bins for cardmember and up to 4 companions on the same reservation.
First checked bag free on domestic American Airlines itineraries for you and up to 4 companions traveling with you on the same reservation.
Access to Citi Entertainment program offering presale tickets and exclusive experiences to concerts, sports, and cultural events.
Pay over time in fixed monthly payments on eligible purchases of $75 or more while continuing to earn points.
Free enrollment in Mastercard's ID Theft Protection program, which monitors chosen information and alerts you to suspicious activity.
Employee (authorized user) cards are issued at no additional cost, and the business earns more miles when employees use their cards for purchases.
There is no maximum number of American Airlines AAdvantage miles that can be accumulated with the card.