AAdvantage Business
$0 intro annual fee for the first year, then $99; no fee for employee cards
Credits 1
Every statement credit on this card, how often it comes back and when it resets.
Every year
A domestic companion fare for $99 plus taxes and fees, earned after $30,000 in purchases in a cardmembership year once the card renews. The ~$150 value is a conservative estimate.
Condition: After $30,000 in purchases in a cardmembership year, then renewal
Perks 3
Benefits you use rather than credits that post to your statement.
First checked bag free on domestic AA itineraries for the cardmember and up to 4 companions on the same reservation.
Group 5 boarding for the primary cardmember and up to 4 companions on the same reservation.
25% back as a statement credit on inflight food and drinks bought with the card on domestic AA and American Eagle flights. The page's summary also mentions Wi-Fi, but the detailed terms cover only food and drinks.
Also included
- No foreign transaction fees
- Free employee cards
- Miles post to the company's AAdvantage Business account; each cardholder earns Loyalty Points
Before you apply
Citi’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Only one Citi application every 8 days, counting personal and business cards together. Applying again within 8 days gets declined. Citi counts declined applications too, and this app can’t see those.
At most two Citi applications in any 65-day stretch. A third application within 65 days gets declined, and declined applications count.
Roughly one Citi business card application every 90 to 95 days. Another business application inside that window gets declined.
Never miss one of these credits
Add the AAdvantage Business to Premium Finance, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.