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Earlier I wrote about the increased welcome bonuses on the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, which are among the best we’ve ever seen.
While both cards have excellent welcome bonuses, the bonus on the Citi AAdvantage Platinum Business Card is especially noteworthy for several reasons:
- The card is offering a welcome bonus of 70,000 AAdvantage miles after spending $4,000 within four months, which is an even bigger bonus than we’re seeing on the personal card
- The $95 annual fee is waived for the first 12 months
- Eligibility for this card is independent of whether you have any Citi AAdvantage personal card, so a lot of people are eligible for this card
- Generally applying for Citi business cards doesn’t count towards 5/24, in case that’s a limit you’re trying to stay under
I value the welcome bonus on this card at $910 (1.3 cents per mile), which is a massive bonus.
This is such a great offer that I’m encouraging my friends and family who are eligible to apply. Several people have asked me how tough it is to get approved for this card, so I had Ford apply for the Citi AAdvantage Platinum Business Card as a guinea pig just now, and he was instantly approved. He’ll get a lot of value out of this card, and the 70,000 bonus miles don’t hurt either!
For those who haven’t yet applied for a business card in general, or haven’t applied for one with Citi, let’s talk a bit about that process. You’ll be asked to provide your:
- Business name
- Business address & phone number
- Annual business revenue
- Legal structure of business
- Organization type
- Line of business
- Number of employees
- Years in business
- Country of business formation
You should always answer all credit card applications truthfully, and I think most people don’t realize how easy this can be:
- Business name — if you’re not incorporated, your business name could just be your name
- Business address — if you work from home, this could be your home address
- Annual business revenue — if you have a new business, there’s no shame in saying zero
- Legal structure of business — if you’re not incorporated, a “sole proprietorship” is an acceptable business structure
- Number of employees — this can just be you
- Years in business — if the business is new, you can say zero years
People assume that you need a business that has hundreds of thousands of dollars of revenue and that has been around for years with several employees to be approved for a business card, and that’s simply not the case.
If you’ve never gotten a business card before, or if you’re looking for a great card that won’t count as an inquiry towards 5/24, I’d highly recommend picking up this card. I guess I’m training Ford well, because earlier when I asked him if he wanted to apply for the card, he said “no, I want to get under 5/24.” When I explained this card wouldn’t count towards that limit, he was much more agreeable.
If you do apply for the Citi AAdvantage Platinum Business Card, please share your experience with getting approved in the comments section!