Question 1

How long is the 75,000 mile welcome bonus available?

Accepted Answer

This is described as a limited-time offer, but Citi hasn't specified an exact end date. Given the cyclical nature of these promotions, it could end at any time, so it's best to apply soon if you're interested in this elevated bonus.

Question 2

Do I need a legitimate business to qualify for this card?

Accepted Answer

Yes, but the definition is broad. Freelancing, consulting, selling items online, or any side income can qualify as a business. Many sole proprietors report successful applications with modest business revenue, making this card more accessible than traditional corporate cards.

Question 3

Can I have both Citi and Barclays AAdvantage cards?

Accepted Answer

Yes, you can hold AAdvantage cards from both Citi and Barclays simultaneously. This allows you to potentially earn welcome bonuses from multiple American Airlines co-branded cards, as they're issued by different banks.

Question 4

How do AAdvantage Business accounts work?

Accepted Answer

Miles earned on the card go into an AAdvantage Business account, which you can access with your regular AAdvantage credentials. As a cardholder, you can transfer miles between your business and personal accounts without meeting the usual $5,000 spend and 5-traveler minimums.

Question 5

What are the best ways to use 75,000 AAdvantage miles?

Accepted Answer

Excellent options include Qatar Airways Qsuite to the Middle East/India (70,000 miles), business class to Southeast Asia on JAL or Cathay Pacific (70,000 miles), or extending Middle East trips to Africa for just 5,000 additional miles, allowing US-Africa business class travel for 75,000 total miles.

Question 6

Does this card count toward Chase's 5/24 rule?

Accepted Answer

Based on most reports, this business card historically hasn't counted toward Chase's 5/24 rule, making it attractive for those managing multiple credit card applications. However, individual experiences may vary, and this isn't guaranteed.

Question 7

How often can I get a Citi AAdvantage card bonus?

Accepted Answer

Citi's 48-month rule means you can receive a welcome bonus on this specific card every 48 months, counted from when you received the previous bonus. This applies to the exact same card, not the entire AAdvantage card family.

Question 8

What's the annual companion certificate benefit?

Accepted Answer

After spending $30,000 in a cardmember year, you earn a companion certificate for domestic American Airlines flights. The companion ticket costs $99 plus taxes and fees, providing significant value for couples who travel together regularly.

Question 9

Are there foreign transaction fees?

Accepted Answer

No, the AAdvantage Business card has no foreign transaction fees, making it useful for international business travel or purchases. This benefit applies to all transactions made in foreign currencies or with international merchants.

Question 10

How difficult is Citi approval compared to other issuers?

Accepted Answer

Many readers report good success with this card, even when other issuers have been more restrictive. However, Citi is sensitive to recent credit inquiries and has strict velocity limits, so timing your application appropriately is important for approval chances.