AAdvantage Business

Annual fee: $595
Network: mastercard
Type: business

It earns AAdvantage miles on eligible purchases, with elevated rewards in select American Airlines and business spending categories.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published

$390

What the issuer advertises.

02Realistic

$140

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

$250 of the advertised value — 64% — comes with strings attached.

Why Perqt says this

$390 advertised across 2 benefits.
$250 (64%) needs a booking, enrollment, or deadline.
Biggest credit — Companion Certificate (Spend Tier), $250 — comes with conditions.
First checked bag free ($140) posts automatically. No hoops.
No-hoops value covers 24% of the annual fee.

Better fit if

You'll actually use Companion Certificate (Spend Tier).
You'll actually use First checked bag free.
2× on eligible American Airlines purchases matches your spend.

Probably not if

You won't use Companion Certificate (Spend Tier).
You want the fee covered without chasing — $455 short.

How Perqt calculates this

Earning rates

All other purchases
1×
miles
AAdvantage
Top earn
Eligible American Airlines purchases
2×
miles
AAdvantage
Top earn
Gas stations and car rental merchants
2×
miles
AAdvantage
Top earn
Telecommunications merchants and cable and satellite providers
2×
miles
AAdvantage

On-card benefits & credits

Companion Certificate (Spend Tier)
$250
/Annual
Unlocks after $30,000 calendar-year spend on the card. Earn a certificate for domestic travel after meeting spend and renewing the card; redemption costs $99 plus taxes/fees.
First checked bag free
$140
/Annual
First checked bag is free on domestic American Airlines itineraries for the primary cardmember and up to 4 travel companions on the same reservation.
Preferred boarding
$0
/Annual
Enjoy preferred boarding on American Airlines flights to secure overhead bin space.
Earn Loyalty Points
$0
/Annual
Earn one Loyalty Point for every $1 spent on business card purchases to help reach AAdvantage status.
25% Inflight Savings
$0
/Annual
Receive 25% savings on inflight Wi-Fi, food, and beverage purchases on American Airlines flights when using the card.

Other Citi cards

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