Citi currently has its highest public signup bonus for CitiBusiness AAdvantage Platinum Select World Mastercard. You can earn 60,000 American Airlines AAdvantage bonus miles after spending $3,000 within the first 3 months of account opening. The card comes with an annual fee of $95, which is waived for the first 12 months. I posted this offer back in October and it’s still available. But, you can do even better.
Just like the personal card, it’s also possible to get this bonus matched to 75,000 miles, which is a targeted offer. That’s 15,000 more AAdvantage miles just for contacting Citi and asking for it. It’s not 100% guaranteed that you will get it, but there’s been a few positive data points, so you have good chances.
Citi’s 24 Month Rule
Citi changed its rules last year and toughened up on churners, making it harder to receive bonuses. You can only receive a bonus if you haven’t opened or closed a card of the same currency in the last 24 months. This offer has the following language:
This card is not available if the business already has a CitiBusiness® / AAdvantage® Platinum Select®World MasterCard® card. Bonus miles not available if you have had any CitiBusiness® / AAdvantage® card opened or closed in the past 24 months.
Citi Business Cards
You can apply for one Citi Business card every 95 days. These are counted separately from personal cards. But, if you’re applying for a business card using your SSN, then the system will automatically deny you if you have had two new cards (for the same SSN) in the last 65 days.
Citi also limits inquiries to 6 every 6 months.
Citi Business cards don’t show up on your personal credit report, so this card won’t count towards Chase’s 5/24 rule.