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Compare the Features and Benefits of CitiBusiness® / AAdvantage® Platinum Select® Mastercard® and
United Quest℠ Credit 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 Foreign Transaction Fees
Concierge Services
No Fees for Authorized Users
Annual Statement Credits
Global Entry / TSA PreCheck Reimbursement
Trip Protections
Primary Car Rental CDW Waiver
Purchase Protection
Extended Warranty
Travel and Emergency Assistance Services
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 Foreign Transaction Fees
yes
Concierge Services
yes
No Fees for Authorized Users
yes
Annual Statement Credits
no
Global Entry / TSA PreCheck Reimbursement
no
Trip Protections
no
Primary Car Rental CDW Waiver
no
Purchase Protection
no
Extended Warranty
no
Travel and Emergency Assistance Services
no
Free Access to Credit Score
no
Annual Fee
$250
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Airfare
2x Transit
2x Car Rentals
2x Dining Out / Food Delivery
2x Hotels
2x Streaming Services
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer

Earn 70,000 United MileagePlus Miles and 500 PQPs after spending $4,000 on qualifying purchases in the first three months of opening an account. Offer ends January 24, 2024.  

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) 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 United Quest Card is a fantastic option for United flyers that travel with the airline at least several times per year. There are also a number of unique perks that you don’t see on other airline credit cards. Let’s take a closer look.

First, a $125 annual United credit is easy to use since it’s applied as an automatic statement credit as you make United purchases on the card. You’ll also automatically get 5,000 United miles back into your account after you redeem United miles for an award flight — up to two times per anniversary year. Finally, this card also benefits those that overpack when they travel — the Quest card provides not one, but two free checked bags for the primary card holder and one companion traveling on the same reservation. That’s a potential luggage reimbursement savings of up to $320 per round trip.

Two of the perks, the $125 United credit and up to 10,000 mileage reimbursement, already go far in making the $250 annual fee worth it, especially since these are unique benefits that aren’t duplicated on other United credit cards.

In addition to offering a generous United Quest Card bonus, the card also includes a 25% discount on food and beverages on United operated flights and a wide array of travel and purchase protections. On the bonus category front, there’s a wide array including the ability to earn 3X miles on United Airlines purchases (after the $125 United credit is applied), 2X miles on the broad category of travel, 2X miles on dining, including eligible delivery services, and 2X miles on select streaming services.

dining-united-quest-credit-card

And don’t forget the ability to earn PQPs towards elite status from spend. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases – up to 6,000 PQPs per year.

More frequent United Airlines flyers may want to consider the $525-per-year United Club Infinite card, a more premium card that offers airport lounge access. Meanwhile, those United travelers who travel a bit less frequently may want to consider the $95-per-year United Explorer card.

Read more
Unique Card Benefits
yes
Priority Boarding
yes
Free Checked Bags
yes
No Foreign Transaction Fees
yes
Concierge Services
yes
No Fees for Authorized Users
no
Annual Statement Credits
yes
Global Entry / TSA PreCheck Reimbursement
yes
Trip Protections
yes
Primary Car Rental CDW Waiver
yes
Purchase Protection
yes
Extended Warranty
yes
Travel and Emergency Assistance Services
yes
Free Access to Credit Score
yes

Learn more about these cards today

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