Citi® / AAdvantage Business™ World Elite Mastercard®
American's small-business card: first-year fee waived, then $99 (rising to $150), with a free checked bag and a companion certificate after $30,000 of spend. Annual fee: $0 first year, then $99. Welcome offer: 65,000 miles after $4,000 in purchases in the first 4 months.
View from the Wing reports the fee rises to $150 with new benefits (Oct 27, 2026); confirm with Citi.
Welcome offer
| Offer | 65,000 miles |
|---|---|
| Spend requirement | $4,000 in purchases |
| Time window | first 4 months |
| Expiration | No end date stated |
Standard offer per The Points Guy (Oct 21, 2026), which says it collected the card details independently.
Offers may vary by applicant, channel, referral link and targeting. The offer on the issuer's own application page is the one that applies.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Eligible American Airlines purchases | See Citi's page | |
| Everything else | See Citi's page |
Benefits and credits
Other benefits
- First checked bag free for you and up to 4 companions on domestic itineraries.
- Companion certificate earned after $30,000 in spend in a cardholder year and renewal.
Restrictions
- Business card; Citi applies business-card application limits.
Strategies
- Per View from the Wing, spend on the card can count toward elite status for two people from the new structure.
Best categories: See Citi's page at eligible american airlines purchases; See Citi's page at everything else.
Compare with: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, AAdvantage® Aviator® Red World Elite Mastercard®, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Platinum American Express Card. Or try the Best Card Finder with your own spending.
Sources and freshness
Fees and benefits come from Citi's official page where shown. Citi's page left welcome amounts blank, so offers come from dated third-party reports named in the offer note.
- View from the Wing: Business fee increase (Oct 27, 2026)
- The Points Guy: Citi AAdvantage current offers
Last updated: . Verification status: checked against the sources above.