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Compare the Features and Benefits of CitiBusiness® / AAdvantage® Platinum Select® Mastercard® and
Delta SkyMiles® Platinum Business American Express Card

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
Annual Statement Credits
Grants Car Rental Status
Secondary Car Rental CDW Waiver
Global Entry / TSA PreCheck Reimbursement
Cell Phone Protection
Extended Warranty
Purchase Protection
Trip Protections
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
Amex Offers
Metal Card
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
Annual Statement Credits
no
Grants Car Rental Status
no
Secondary Car Rental CDW Waiver
no
Global Entry / TSA PreCheck Reimbursement
no
Cell Phone Protection
no
Extended Warranty
no
Purchase Protection
no
Trip Protections
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
Amex Offers
no
Metal Card
no
Free Access to Credit Score
no
Annual Fee
$350 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
3x Airfare

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3x Hotels
1.5x Transit

(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5x Single Charges over $5,000

(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5x Shipping

U.S. shipping only (Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer

Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24. Terms Apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.1) 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 Delta SkyMiles Platinum Business Card offers a slew of perks that will appeal to several types of business owners. Whether you’re looking to join the early ranks of Silver or Gold Medallion status, or want to climb further toward Platinum or Diamond, this business card provides excellent incentives for higher spend, helping you earn your way towards higher status levels.

delta credit card

Not only that, but you will earn 3x bonus miles per dollar spent on eligible Delta purchases, 1.5x miles on transit, U.S. shipping, and large purchases of $5,000 or more (up to an aggregate limit of $100,000 per year; earn 1X thereafter) plus 1x miles per dollar on all other eligible purchases.

In short, the Delta Platinum Business card’s earning rate is solid for businesses who want to reap the rewards on their high operating expenses.

The $350 annual fee can be hard to swallow, but several notable perks can help you save money when you’re flying with Delta.

First, you and up to eight passengers can get a checked bag free on all Delta flights and join Main Cabin 1 Priority Boarding. You’ll also receive up to a $100 credit toward your Global Entry/TSA PreCheck application or renewal (Terms apply).

And upon paying your annual fee every account anniversary, you’ll receive an annual companion certificate that’s valid for Main Cabin domestic, Caribbean, or Central American roundtrip flights on Delta. If used wisely, you can easily score hundreds of dollars in value from this recurring benefit.

Other smaller, but just as impactful, benefits include no foreign transaction fees, a 15% discount when redeeming SkyMiles for flights on Delta, as well as a solid range of travel and purchase protection benefits, including cell phone insurance.

For those that need a hand with reaching the next Delta Medallion® elite status level, this card earns 1 MQD (Medallion Qualifying Dollars) for every $20 spent on eligible purchases with your Card plus $2,500 MQDs each year – just for holding the card!

There are also up to $440 worth of statement credits available on this card.

You can get an statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

You’ll also be eligible for up to $120 in Resy Credit (earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card) and you can earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.

cell-phone-insurance Delta SkyMiles Platinum Business Card

Note that you cannot enter the Delta Sky Clubs with the Delta Platinum Amex Business card. If you anticipate needing airport lounge access,  you may want to consider the Delta SkyMiles® Business Reserve Card, which comes with a much higher $650 annual fee. However, you’ll get access to Delta Sky Clubs when you fly Delta that same day with the Delta SkyMiles® Business Reserve Card. (Limitations apply.)

Overall, the Delta Platinum Amex Business Card is a phenomenal option for business owners who want to maximize their earning potential on Delta purchases, enjoy flight perks, and work towards elite status on Delta.

Rates and Fees for the Delta SkyMiles® Platinum Business American Express Card

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
no
Annual Statement Credits
yes
Grants Car Rental Status
yes
Secondary Car Rental CDW Waiver
yes
Global Entry / TSA PreCheck Reimbursement
yes
Cell Phone Protection
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Amex Offers
yes
Metal Card
yes
Free Access to Credit Score
yes

Learn more about these cards today

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