Why You Should Get A Small Business Rewards Card

I receive compensation for content and many links on this blog. Citibank is an advertising partner of this site, as is American Express, Chase, Barclays and Capital One. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same). Terms apply to the offers and benefits listed on this page.


CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Many readers can get a business card and probably should. Getting a small business card is one of the things you should do as you start your business, that it’s often the first resource many business owners look to as they start to grow. A small business card allows you to separate business from personal expenses and builds the credit history and identity of your business.

An employer ID number isn’t required, since sole proprietorship businesses use the business owner’s social security number. A lot of folks are going to be picking up side businesses these days. Any time there’s income which isn’t related to an employer, and where you expect to have some expenses, keep those expenses separate with a small business credit card.

Some people get approved with no business income at all, others do not. It often depends on personal income, credit score, and perhaps prior relationship with the bank. If you’ve done some business, and had some revenue, then certainly consider applying as well.

Readers have reported great success with approvals for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® and there are several reasons it’s a great card to apply for.

  • 65,000 bonus miles the initial offer for this card is generous, 65,000 AAdvantage miles after spending $4,000 within the first 4 months of account opening.

  • No annual fee the first year so the initial bonus doesn’t come with the card’s $99 annual fee, and the other card benefits like free checked bags and boarding privileges don’t either.

  • It’s almost like having Gold status, but without the upgrades Golds rarely get anyway. The card offers first checked bag on domestic American Airlines itineraries and preferred boarding on American flights.

  • Spend on Citi AAdvantage products counts towards lifetime elite status through December 31 and spend can waive the qualifying dollars requirement for status earned in 2021.

  • Doesn’t add to 5/24 Citibank business cards you carry aren’t reported to your personal credit so do not count towards Chase’s 5/24 restrictions. You can get this card without pushing up that numerator.

  • Can get personal and business from both Citi and Barclays Miles you earn from this offer aren’t the end of the story. Citibank has a personal AAdvantage card too and American also partners with Barclays for its co-branded credit cards. As I’ve frequently heard flight attendants remind customers on flights, you can get AAdvantage cards from both Citi and Barclays. That’s four cards you can get earning the same mileage currency.

  • No credit cards earn American AAdvantage miles faster. Delta and United have bank partners whose own products earn points faster than the co-brands do, where it makes sense to put your spending on another card and then transfer (from Amex) to Delta or (from Chase) to United. However there’s no bank card out there that earns American AAdvantage miles faster.

    The card earns 2 miles per dollar on American Airlines flights, telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. This isn’t my go to card for spending but it’s an improved rate and the best earning for AAdvantage miles.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.

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