AAdvantage Business World Elite Mastercard
Citi$0 first year (then $99)World Elite MastercardNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
65,000miles
after $4,000 in purchases in the first 4 months
48 Month Rule, 1 per 8 Days and 3 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus65,000 points at 1.4¢ | $910 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$35 |
| Annual fee$0 the first year, then $99 | $0 |
| Meeting the $4,000 minimumearns 1.4% here vs 2% on Double Cash | −$24 |
| First year | $921 |
| Each year after | +$51 |
Not counted in the first year: anniversary certificates and other benefits (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Gas Stations | 2.8% |
| 2X | Car rentals | 2.8% |
| 2X | American Airlines purchases | 2.8% |
| 2X | Cable | 2.8% |
| 1X | Everything else | 1.4% |
+ 2 more rates
| Rate | Category | Return |
|---|---|---|
| 2X | Phone services | 2.8% |
| 2X | Satellite | 2.8% |
Noteworthy perks
- First checked bag free on domestic American Airlines-operated itineraries for you and up to 4 companions; account and primary cardmember's AAdvantage number must generally be on the reservation at least 7 days before travel
- American AAdvantage companion certificateArrives on your card anniversary after $30,000 in spend, after the first year
Business card · Earns American AAdvantage
Benefits
Elite status (2)
- American AAdvantage: 1 Loyalty Point per eligible dollar spent toward AAdvantage status
- American AAdvantage: Authorized users earn Loyalty Points on their eligible purchases (posted to the authorized user's own AAdvantage account, not the primary cardmember's)
Other Perks
- 25% savings on in-flight Wi-Fi, food and beverage purchases
- First checked bag free on domestic American Airlines-operated itineraries for you and up to 4 companions; account and primary cardmember's AAdvantage number must generally be on the reservation at least 7 days before travel
- $99 companion certificate after $30K spend in membership year
- Group 5 preferred boarding
- AAdvantage Business program minimum requirements waived
- Citi Entertainment presale access to concerts, sports, and cultural events
- Targeted offer for select accounts (check your email; registration may be required): the primary cardmember also earns 1 Loyalty Point for each Loyalty Point an authorized user earns on eligible purchases; the extra points post 8-10 weeks later
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to credit_lineOct 11, 2026
- changed from null to AAdvantage BusinessOct 8, 2026
- changed from null to 0Oct 2, 2026
- changed from null to 4000Aug 13, 2026
- changed from null to 120Aug 13, 2026