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Compare the Features and Benefits of CitiBusiness® / AAdvantage® Platinum Select® Mastercard® and
Marriott Bonvoy Brilliant® 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
No Fees for Authorized Users
No Foreign Transaction Fees
Priority Boarding
Free Checked Bags
Concierge Services
Annual Statement Credits
Grants Hotel Status
Free Annual Hotel Night
Earns Transferable Points
Airport Lounge Access
Global Entry / TSA PreCheck Reimbursement
Trip Protections
Secondary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Return Protection
Travel and Emergency Assistance Services
Metal Card
Amex Offers
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
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Priority Boarding
yes
Free Checked Bags
yes
Concierge Services
yes
Annual Statement Credits
no
Grants Hotel Status
no
Free Annual Hotel Night
no
Earns Transferable Points
no
Airport Lounge Access
no
Global Entry / TSA PreCheck Reimbursement
no
Trip Protections
no
Secondary Car Rental CDW Waiver
no
Extended Warranty
no
Purchase Protection
no
Return Protection
no
Travel and Emergency Assistance Services
no
Metal Card
no
Amex Offers
no
Annual Fee
$650 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.99%-29.99% (Variable)
Balance transfers fees
-
Best Multiplier
6x Hotels

6X points only applies to Marriott Bonvoy hotels and resorts booked directly through Marriott. Otherwise, earn 2X

3x Airfare
3x Dining Out / Food Delivery
2x Everything Else
Avg. Point Value
(Learn More)
$0.006
Bonus Offer

Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.7) 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 Marriott Bonvoy program offers five different co-branded credit card options, from both American Express and Chase. If we start from the top, there’s the Marriott Bonvoy Brilliant American Express Card, with a considerable $650 annual fee. But the luxury hotel card comes with a substantial number of perks that make sense for the ultra-Marriott loyalist.

For starters, the card offers complimentary Platinum elite status, which typically requires 50+ nights at Marriott hotels per year. At this elite tier level, you’ll enjoy 50% bonus points at Marriott hotels (on top of the card’s earning rate), room upgrades up to select suites upon availability at most brands, and a welcome gift like amenities, points, or even breakfast. Enjoy a guaranteed late checkout of 4pm at most properties (resorts and convention centers are excluded). You’ll also get 25 annual elite night credits which can help you qualify for that next tier of Marriott status — Titanium or Ambassador Elite, anyone?

Even more interesting is that if you also have the Marriott Bonvoy Business® Card, you’ll earn 15 more elite nights on that card for a total of 40 elite night credits. With Titanium status, which also confers United Airlines Silver elite status, available at 75 nights, you’ll need to stay just 35 nights to achieve it.

As you can expect, this card is quite rewarding for hotels participating in Marriott Bonvoy, offering 6x points at Bonvoy properties. The card’s rewards rate is easy to memorize as it also provides 3x points at restaurants worldwide and 2x points on all other eligible purchases, but unfortunately it falls flat compared to other luxury cards on the market with those rates, given that we peg the value of a Bonvoy point around 0.6 cents each.

Still, if you’re a heavy spender, the Marriott Bonvoy Brilliant card offers another unique benefit. Once you spend $60,000+ on the card per calendar year, you’ll get access to the Earned Choice Award Benefit. From here, there are some incredibly valuable options like 5 Suite Night Awards, an additional free night award (worth up to 85,000 points), or a $1,000 off a bed from Marriott Bonvoy Boutiques. Perhaps the most lucrative awards are the former two options, as the suite night awards and free night certificate can be of excellent use at some of Marriott’s most bespoke properties.

Even if you don’t anticipate $60,000+ of card spend per year, don’t fret. You’ll still get a free night award just by renewing the card and paying the annual fee on your account anniversary. This free night award will land in your account after the card renewal month, and is worth up to 85,000 Marriott Bonvoy points. You can “top off” with up to 15,000 more points from your account if you want to book a night that costs between 85,000 and 100,000 points.

As mentioned above, we estimate Marriott Bonvoy points to be worth about 0.6 cents each so with the 85,000 point certificate, you’re expected to receive at least a $510 value (or more!) for a property of your choice. Use your free night awards wisely, and you can land free nights at some of the most luxurious properties in Marriott’s expansive portfolio.

Not to mention, the card also comes with an up to $300 dining credit, which is distributed in up to $25 monthly credits. You’ll get a reimbursement for restaurants worldwide, so there’s no reason why you shouldn’t be getting this $300 rebate on your favorite eateries. (Terms apply.)

Bonvoy Brilliant Dining Credit

Finally, the Bonvoy Brilliant card comes with a Global Entry/TSA PreCheck application credit (terms apply), up to a $100 Marriott property credit for eligible stays (terms apply), and a swathe of essential travel and purchase protections to boot.

Simply put, if you have a Marriott Bonvoy member account and want top-notch perks when staying at Marriott properties, look no further than the Marriott Bonvoy Brilliant American Express Card.

Rates and Fees for the Marriott Bonvoy Brilliant American Express Card

Read more
Unique Card Benefits
yes
No Fees for Authorized Users
yes
No Foreign Transaction Fees
yes
Priority Boarding
no
Free Checked Bags
no
Concierge Services
no
Annual Statement Credits
yes
Grants Hotel Status
yes
Free Annual Hotel Night
yes
Earns Transferable Points
yes
Airport Lounge Access
yes
Global Entry / TSA PreCheck Reimbursement
yes
Trip Protections
yes
Secondary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Return Protection
yes
Travel and Emergency Assistance Services
yes
Metal Card
yes
Amex Offers
yes

Learn more about these cards today

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