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Ink Business Preferred℠ Credit Card vs Citi AAdvantage

Compare Rewards, Interest Rates, Fees, and Benefits

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Ink Business Preferred is an excellent credit card for the modern small business. How does it compare to Citi AAdvantage, an airline credit card? Read our comparison chart below.

Keep in mind, the Ink Business Preferred has a $95 annual fee, while the Citi AAdvantage has a $99 annual fee, waived for first 12 months*.

Note: Ink Business Preferred℠ Credit Card is a credit card for business while Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is a credit card for consumer.

 Apply NowRead Citi AAdvantage Review
 

Ink Business Preferred℠ Credit Card

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

 Business Credit CardPersonal Credit Card
 

Credit Card Interest Rates & Fees

Purchase APR17.74% to 22.74% Variable based on your creditworthiness and other factors17.49% to 25.49%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR17.74% to 22.74% Variable based on your creditworthiness and other factors17.49% to 25.49%* (Variable) based on your creditworthiness and other factors
Foreign Transaction Fee$0No foreign transaction fee
Annual Fee$95 annual fee$99 annual fee, waived for first 12 months*
 

Credit Card Rewards & Benefits

Introductory Bonus Airline Rewards Earn 50,000 American Airlines AAdvantage® bonus miles after you spend $2,500 in purchases within the first 3 months of account opening
Introductory Bonus OfferEarn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards® 
Travel RewardsEarn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
1:1 point transfer to leading airline and hotel loyalty programs
 
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programsEarn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases; 1 AAdvantage® mile for every $1 spent on other purchases.
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsEarn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn. 
Airline Status Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
Your first checked bag is free on domestic American Airlines itineraries (for you and up to four companions traveling with you on the same reservation).
Enjoy Preferred Boarding on American Airlines domestic flights.
Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights.
Gas Rewards Earn 2 AAdvantage miles for every $1 spent at gas stations
Dining Rewards Earn 2 AAdvantage miles for every $1 spent at restaurants
Airline Transfer PartnersChase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Earn 80,000 bonus points
  • Earn 3 points per $1 in select business categories
  • Protection benefits
  • Airline transfer partners
Cons:
  • $95 annual fee
  • No introductory APR
Pros:
  • Bonus miles offer
  • First eligible checked bag is free
  • Preferred boarding
Cons:
  • $99 annual fee
Bottom LineExcellent credit card for the modern small business... Read full reviewExcellent airline credit card for frequent American Airlines travelers... Read full review
 Apply NowRead Citi AAdvantage Review

See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

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.

Disclaimer: The information for the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Citi AAdvantage: Pricing information including interest rates, rewards, benefits and fees was obtained on November 6, 2019 from published websites and is believed to be accurate, but not guaranteed.


Articles on Ink Business Preferred℠ Credit Card


Articles on Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®


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Compare Ink Business Preferred to:

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
17.74% - 24.74% Variable
Annual Fee
$95
American Express Business Platinum

The Business Platinum® Card from American Express

Introductory Bonus OfferTravel RewardsAirline RewardsBonus Airline Rewards
Annual Fee
$595
Chase Sapphire Reserve

Chase Sapphire Reserve®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
18.74% - 25.74% Variable
Annual Fee
$450

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Compare Citi AAdvantage to:

Gold Delta SkyMiles
Introductory Bonus Airline RewardsAirline RewardsCar Rental InsuranceExtended WarrantyPurchase Protection$0 Fraud LiabilityEmergency Assistance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.24% - 26.24% Variable
$0 introductory annual fee for the first year, then $95

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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.