Citi

Citi AAdvantage Business Card

Cobranded Business

Annual fee	$99 Fact
Foreign transaction fee	None
Rewards currency	AAdvantage miles
Est. point value	1.45¢ Estimate

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Last updated Oct 25, 2026

Checked Oct 25, 2026

Before you apply

1/8. Citi generally approves at most 1 card application per 8 days. Community-reported.

2/65. Citi generally approves at most 2 card applications per 65 days. Community-reported.

48-month rule. Citi sign-up bonuses within the same card family are generally available only once every 48 months. Community-reported.

General Citi policies as commonly reported by applicants, not a prediction about your application.

Sign-up bonus history

5-year best: 75,000 miles

$4k spend $5k spend 5-year best

View as a table

Period	Bonus	Spend requirement
Oct 2021 to Nov 2024 · 3 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 · 14 mo	65,000 miles	$4,000

Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.

How you earn

Category	Rate	Currency	Cap
Gas and EV charging Best card for gas	2x	AAdvantage miles	No cap
Flights	2x	AAdvantage miles	No cap
Car rentals and cruises	2x	AAdvantage miles	No cap
Cable and satellite providers Best card for phone, internet & cable	2x	AAdvantage miles	No cap
Internet, cable and phone services Best card for phone, internet & cable	2x	AAdvantage miles	No cap
Everything else	1x	AAdvantage miles	No cap

Certificates

Estimated value

Companion Certificate after $30,000 spend

Qualifying domestic travel

Issued once the card renews. $99 ticketing fee plus taxes and fees.

after $30,000 spend

Benefits & protections

Card facts

Travel Benefits 5

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 costs $99 for the ticketing fee plus taxes and fees.

Primary cardmember only

25% savings on inflight food, beverages and Wi-Fi purchases when using the card on American Airlines flights.

Preferred boarding on American Airlines flights with early access to overhead bins; primary cardmember and up to 4 companions on the same reservation board in Group 5.

Employee cards only when traveling with you

First checked bag free on domestic American Airlines itineraries for you and up to 4 companions traveling with you on the same reservation.

Employee cards only when traveling with you

Lifestyle & Entertainment 1

Access to Citi Entertainment program offering presale tickets and exclusive experiences to concerts, sports, and cultural events.

Protection & Insurance 3

Citi® Flex Pay allows buy now, pay later with fixed monthly payments while continuing to earn points on eligible purchases of $75 or more.

Free enrollment in Mastercard's ID Theft Protection program, which monitors chosen information and alerts you to suspicious activity.

Receive employee cards at no additional cost and earn more miles for your business when employees use their card for purchases.

Also for each employee card

Other Perks 1

There is no maximum number of American Airlines AAdvantage miles that can be accumulated with the card.

Employee cards on the AAdvantage Business

Card facts

Employee cards are free.

Each employee card gets

Authorized users at no cost
Loyalty points earning

Primary cardmember only

American airlines companion certificate

Only when traveling with you

First checked bag free
Preferred boarding