CitiBusiness®/AAdvantage® MasterCard®

Get 20,000 Bonus Miles after the First Purchase Earn One Mile for Every Dollar a Business Spends on Purchases Free Additional Cards for Employees with Credit Limits Business Owners Set No Annual Fee for the First 12 Months

Review: The CitiBusiness®/AAdvantage® MasterCard®, one of several Citi® AAdvantage® credit cards offered by Citibank, is designed for those with very good credit who travel regularly on American Airlines and would like to earn free travel for business-related expenses. Through the airline reward program, cardholders earn one mile for every dollar spent on the card, and they receive 20,000 bonus miles with their first purchase. Earned miles can be applied toward free travel via American Airlines and its participating airline partners. Miles are also compatible with the American Airlines frequent flyer program. There is a maximum of 150,000 miles that can be accumulated per year, and miles do not expire as long as the account is active within a three-year period. The $75 annual fee for the card is waived for the first year, and there is no fee for additional cardholders. The APR for purchases and balance transfers is high for a business card and above average for a reward card. The card also has a high interest rate for cash advances. Overall, this is not an ideal credit card for those who plan to carry a revolving balance. This card does provide many cardholder benefits that include up to $1,000,000 in travel accident insurance, lost and stolen card reporting, and auto rental insurance. It also offers discounts on products and services at participating merchants and retailers. Therefore, those who plan to pay in full each month (to avoid finance charges), do not mind paying an annual fee of $75 after the first year, and plan to take advantage of the airline reward program will benefit most from what the CitiBusiness®/AAdvantage® MasterCard® has to offer.

Date of Review: 2006-04-08 00:00:00

Notes: The minimum APR for cash advances is 19.99%. See website for complete terms and conditions of card usage and application disclosure.

Additional Perks: Special reduced mileage awards. Various Internet account related services. Personal business assistant. Identity theft solutions. Automatic bill payments. Quarterly and year-end financial statements. Purchase protection. No liability for unauthorized transactions. Fraud and security protection services. Lost and stolen card reporting. Emergency card replacement. Emergency cash replacement. Up to $1,000,000 in travel accident insurance. Auto rental insurance. Medical referral services. Legal referral services. Lost luggage assistance. Various travel and emergency assistance services. Discounts on products and services at participating merchants and retailers. See website for additional benefits.