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Compare the Features and Benefits of CitiBusiness® / AAdvantage® Platinum Select® Mastercard® and
Chase Freedom Rise℠

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Priority Boarding
Free Checked Bags
No Fees for Authorized Users
No Foreign Transaction Fees
Concierge Services
Purchase Protection
Extended Warranty
Trip Protections
Free Access to Credit Score
Annual Fee
$0 Introductory Annual Fee for the first year, then $99
Avg. Min. Credit Score
800-850 *
Ongoing APR
21.24%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
2x Airfare

Earn 2X miles on American Airlines purchases made directly with American Airlines. Otherwise, earn 1X.

2x Car Rentals
2x Cable / Internet / VOIP Phone
2x Gas Stations
2x Cellular Phone Service
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer

Earn 65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.9) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The right business credit card for you will greatly depend on your company’s expenditures and travel goals. However, the CitiBusiness/AAdvantage card is a great option for those who live near an American Airlines hub. With a $0 introductory annual fee (then $99 after the first year), it’s an affordable option if you have a small business and want to maximize the rewards earning potential for your expenditures.

With this card, you’ll earn both redeemable AAdvantage® miles for award flights and Loyalty Points to qualify for AAdvantage® elite status. For starters, you’ll earn 2x miles on cable and satellite providers, eligible American Airlines purchases, gas stations, select telecommunications merchants, and car rental merchants; and 1x miles on all other purchases (excluding cash equivalents).

Loyalty Points are much simpler: you’ll earn 1x Loyalty Point per dollar spent, no matter the purchase. Theoretically, a business owner who can spend $200,000 or more on this business credit card can earn top-tier AAdvantage® Executive Platinum elite status — even without flying!

Loyalty Points replaced American Airlines’ old AAdvantage® system of elite qualification via Elite Qualifying Miles. While those required flying, the new tier status system combines both flight miles and spending, including on AAdvantage® credit cards like this one.

CitiBusiness AAdvantage Credit Card

The more you spend, the more perks you earn. By hitting $30,000+ in spend in a card membership year, you can earn a companion certificate that’s valid for domestic American Airlines flights. You’ll just have to pay $99 plus government taxes and fees, but this perk can help you save hundreds of dollars and get you “buy one, get one” flights.

From takeoff to touchdown, there are a few important benefits that will elevate your travel experience with American Airlines. You and up to four guests on the same American Airlines booking will get a first checked bag free (on domestic itineraries) and Group 5 preferred boarding. Not only that, but you’ll get a 25% discount that applies to inflight purchases, including food, drink and inflight wifi purchases.

With no foreign transaction fees to worry about, the CitiBusiness/AAdvantage credit card is a reliable option when you’re traveling domestically or internationally. Thanks to the card’s strong welcome bonus and solid earning rates on select business categories, you’ll be on your way to award flights in no time.

Business credit cards like the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® also help you organize your personal and business expenses. There are various online tracking tools to keep tabs on your finances in your credit card account. If you’d like to add employee cards to the account, there’s no additional fee to pay — and any spending on those cards will accrue miles to the primary cardholder account.

Ultimately, when picking a business card, you’ll have to decide between earning cash rewards, airline miles, or another form of loyalty currency.

If award flights are your goal and American Airlines is your favorite carrier, there’s no better business credit card than the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®.

Read more
Unique Card Benefits
yes
Priority Boarding
yes
Free Checked Bags
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Concierge Services
yes
Purchase Protection
no
Extended Warranty
no
Trip Protections
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
Ongoing APR
26.99% (Variable)
Balance transfers fees
$5 or 5% of the amount of each transfer, whichever is greater
Best Multiplier
5x Lyft

Through March 2025

1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer

Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Chase Freedom Rise is specifically aimed at those people who haven’t yet established credit, whether they are young or new to the country.

What’s great about this card is that unlike most “starter” credit cards, this credit card actually earns cash back and a handsome 1.5% cash back at that – all with no annual fee and it’s not a secured credit card, meaning you are being given credit the same as anyone else and you’ll be able to build your credit score by using the card and making on time payments. The cash back is awarded as Chase Ultimate Rewards points, but they are not transferable points – only cash back.

There are no intro 0% APR offers on this card so it’s best for someone that will be able to pay their bills on time and, ideally, in full.

Read more
Unique Card Benefits
yes
Priority Boarding
no
Free Checked Bags
no
No Fees for Authorized Users
no
No Foreign Transaction Fees
no
Concierge Services
no
Purchase Protection
yes
Extended Warranty
yes
Trip Protections
yes
Free Access to Credit Score
yes

Learn more about these cards today

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