Citi AAdvantage Business

Citi

Business

Key facts

Annual fee$99$0 the first year
RewardsPoints
Everything else earns1x points
Minimum credit score700

Earn rates

Category	Rate	Cap
Travel (air) — booked direct	2x points	No cap stated
Gas	2x points	No cap stated
Utilities	2x points	No cap stated
Everything else	1x points	No cap stated
Everything else	1x points	No cap stated

At specific merchants

2x points at car rental merchants
2x points at telecommunications merchants and cable and satellite providers

Signup bonus

65,000 points after $4,000 of spend in the first 4 months.

Applying

Foreign transaction fee: 0%

American Airlines AAdvantage new cardmember 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 card on which you earned a new account bonus in the last 48 months into this account.

Issuer's page for this card

Business requirements

Citi says that in general you need to own a business to qualify; a small side business is enough, and some business cards require a personal guarantee.

In general, you’ll need to own a business to qualify for a business credit card.
You don’t need an office full of employees to qualify for a business credit card — you’re eligible to apply even if your business is only a small side gig.
Some business credit cards require a personal guarantee to qualify.

Notes

Modeling note: travel_portal uses a flat catalog cents-per-point on combined travel_air + travel_hotel + travel_other needs; portal-only earn bonuses, portal redemption caps, and partner-specific transfer ratios are not included in optimizer ranking. No foreign transaction fees. Authorized user cards at no additional cost.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Citi; the card name is its owner's trademark.

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