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Citi credit card

Citi® / AAdvantage Business™ World Elite Mastercard®

  • Bonus up · 65,00075,000 · Nov 1, 2026

75,000 AAdvantage® miles after you spend $5,000 in 5 months. Purchase APR 19.74–28.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
However, the annual fee is waived for the first 12 months
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Citi’s terms

Welcome offer

75,000 miles

After you spend $5,000 on purchases in your first 5 months.

Spending it takes
$1,000 a month
for 5 months
Tracking since
Nov 1, 2026
history will chart every change

Earn 75,000 AAdvantage® bonus miles for your business after $5,000 in purchases within the first 5 months of account opening. New account bonus not available if you received a new account bonus for a Citi® / AAdvantage® Business account in the past 48 months, or converted another Citi credit card account on which you earned a new account bonus in the last 48 months. Bonus miles post to the company's AAdvantage Business™ account.

Who can get it: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

“New account bonus not available if you received a new account bonus for a Citi® / AAdvantage® Business account in the past 48 months, or converted another Citi credit card account on which you earned a new account bonus in the last 48 months.”

The issuer’s terms, from its page, as of Nov 1, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$880$35
Typical spender$1,075$225
Heavy spender$1,445$595
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: not counted: 1x Cardmembers also earn 1 additional Loyalty Point per $1 spent on purchases with their card; points valued at an assumed 1¢.

$35a year

$880 the first year, with the welcome bonus.

Rewards and credits$130

You keep $35−$100 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 1x Cardmembers also earn 1 additional Loyalty Point per $1 spent on purchases with their card; points valued at an assumed 1¢.

$225a year

$1,075 the first year, with the welcome bonus.

Rewards and credits$325

You keep $225−$100 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 1x Cardmembers also earn 1 additional Loyalty Point per $1 spent on purchases with their card; points valued at an assumed 1¢.

$595a year

$1,445 the first year, with the welcome bonus.

Rewards and credits$695

You keep $595−$100 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 1x Cardmembers also earn 1 additional Loyalty Point per $1 spent on purchases with their card; points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 65% of the 732 cards we track.

Other miles cards

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

AAdvantage Business™ program

How you earn

2×
Eligible American Airlines purchasesTelecommunications merchantsCar rental merchantsCable and satellite providersGas stations
1×
Cardmembers also earn 1 additional Loyalty Point per $1 spent on purchases with their card
1×
Everything else

“What it’s worth” values a mile at an assumed 1¢.

Benefits

  • American Airlines Companion Certificate: $99 annual
  • First checked bag free on domestic American Airlines itineraries for you and up to 4 companions traveling in the same reservation (companions can be employees or clients; Authorized Users must be among the 4 companions on the primary cardholder's reservation).
  • Preferred boarding on American Airlines flights: primary cardmember and up to 4 companions in the same reservation board in Group 5 (Authorized Users must be among the 4 companions on the primary cardholder's reservation).
  • 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.
  • No blackout dates when booking with miles.
All 12 benefits
  • No limit on the number of AAdvantage miles that can be accumulated.
  • Each cardmember (primary and employees) earns 1 AAdvantage Loyalty Point per $1 spent on card purchases, toward AAdvantage status.
  • No foreign transaction fees on purchases.
  • Citi Entertainment® access to presale tickets and exclusive experiences for eligible cardmembers.
  • Citi® Flex Pay: pay over time in fixed monthly payments on eligible purchases of $75 or more, while continuing to earn points on purchases.
  • Mastercard® ID Theft Protection: free enrollment; monitors selected information and alerts on suspicious activity.
  • Citi® Quick Lock to instantly block new charges while allowing recurring transactions to continue; 24-hour fraud alerts.

Changes

65,000 AAdvantage miles75,000 AAdvantage miles since Nov 1Sep 29Today
  • Nov 1, 2026 Bonus 65,00075,000

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

Questions

What is the annual fee?
$99. However, the annual fee is waived for the first 12 months. · online.citi.com, since Nov 1, 2026
Does it charge a foreign transaction fee?
No. · citi.com, since Sep 29, 2026
What is the purchase APR?
19.74–28.74% APR · citi.com, since Oct 8, 2026
Is there a welcome bonus?
75,000 AAdvantage miles after $5,000 in purchases in 5 months. · citi.com, since Nov 1, 2026
See it on citi.com

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