Citi
AAdvantage Platinum Select Business
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Card review
AAdvantage Platinum Select Business
Citi
Last updated September 22, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$99
Welcome bonus
See issuer
Est. net value
$378/yr
Credit score
Varies
Top earn rate
2x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The AAdvantage Platinum Select Business from Citi carries a $99 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $446.88 in rewards plus $30.00 in credits and perks — $377.88 net per year before welcome bonuses.
How the points work
Telecommunications: merchants that sell telecommunications equipment such as:
telephones, fax machines, pagers, and cellular phones, along with providers of telecommunications services including local and long-distance telephone calls and fax services.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseAmerican Airlines | 2× |
| Everything else Telecommunications | 2× |
| Everything elseCable | 2× |
| GasGas | 2× |
| Everything elseCar rentals | 2× |
| Everything elsePhone Bill | 2× |
| Online shoppingInternet | 2× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Free Checked Bag$30/yr
Primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries. Valid for up to four companions.
- Preferred Boarding
Receive preferred boarding boarding (Group 5). Valid up to four companions.
- 25% Off Inflight Purchases
Receive a 25% savings on in-flight purchases of food and beverages and wifi on flights operated by American Airlines when purchased with your card.
- Earn a Companion Certificate
Earn a $99 domestic economy fare companion certificate by spending $30,000 and keeping your account open for at least 45 days after the anniversary date.
- Companion Certificate
$99 domestic economy fare American Airlines Companion Certificate. Details, terms and conditions, certain restrictions, and restricted dates apply and will be disclosed on the certificate.
- Reduced Mileage Awards
Redeem AAdvantage miles for discounted round trip or one-way travel on MileSAAver awards to select destinations designated every other month.
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air France KLM Flying Blue1:1
- Avianca LifeMiles1:1
- Cathay Asia Miles1:1
- Emirates Skywards1:1
- Etihad Guest1:1
- JetBlue TrueBlue1:1
- Qatar Privilege Club1:1
- Singapore KrisFlyer1:1
- Turkish Miles&Smiles1:1
- Virgin Atlantic Flying Club1:1
- Aeromexico Rewards1:1
- Choice Privileges1:1
- Wyndham Rewards1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$99
- Stated credits
- +$0
- Perks (est.)
- +$30
- Net after credits & perks
- -$69
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $99 per year.