AAdvantage Aviator Business Mastercard
$99 annual fee · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1x | uncapped |
| Flights at American Airlines only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
2x | uncapped |
Non-cash perks
- First checked bag free for cardholder and up to 4 companions on domestic AA flights
- Preferred boarding
- 25% statement credit on inflight food & beverage purchases on AA-operated flights
- $0 fraud liability
Does the fee earn out? · how we got this
The $99 fee minus $0 in printed credits leaves $99/yr to earn back through rewards — roughly $7,334 of spending at the base rate (valuing American miles at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $99 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone applying today. The issuer no longer opens this card to new applicants, and the product is discontinued. It stays published because people still hold it, not because it can be applied for.
- Anyone who doesn't spend at American Airlines. Its largest printed rate, 2x on flights, pays only at American Airlines. Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
More from Barclays
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: thepointsguy.com · www.nerdwallet.com. This card is closed to new applicants. Spot an error? Tell us.