Citi® / AAdvantage Business™ World Elite Mastercard®
$99 annual fee · 1x on everything else · no foreign transaction fees
Terms verified 2026-08-21 against issuer terms · welcome offer re-checked 2026-10-28
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Gas | 2x 2.7¢ per $1 |
uncapped |
| Travel | 2x 2.7¢ per $1 |
uncapped |
| Internet and cable | 2x 2.7¢ per $1 |
uncapped |
| Cell phone plans | 2x 2.7¢ per $1 |
uncapped |
| Everything else | 1x 1.4¢ per $1 |
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 |
What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Welcome offer Citi® / AAdvantage Business™ World Elite Mastercard® welcome bonus rose from 65,000 to 75,000. 2026-10-28
Signup bonus: 75,000 points after $5,000 in 5 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Limited-time offer on aa.com, read 2026-10-28 (was 65,000 after $4,000 in 4 months); no end date published. Annual fee waived the first year. Bonus figure confirmed on the issuer's page 2026-10-28.
Non-cash perks
- First checked bag free on domestic American Airlines itineraries for cardholder and up to 4 companions
- Preferred boarding on American Airlines flights
- 25% savings on inflight Wi-Fi, food and beverage purchases
- American Airlines Companion Certificate after $30,000+ spend in a cardmembership year and renewal ($99 ticketing fee + taxes/fees, domestic)
- AAdvantage Business™ membership travel-management tools (expense management, duty of care, reporting)
- Mastercard business special offers
- No foreign transaction fees
- Add employees as authorized users with individual spend limits
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 $3,667 of gas spending at 2x (valuing AAdvantage 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.
Comparing cards in the same currency? See the best cards that earn AAdvantage miles →
More from Citi
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: creditcards.aa.com · thepointsguy.com · www.citi.com. Spot an error? Tell us.