Citi® / Aadvantage Business™ World Elite Mastercard®
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Citi® / Aadvantage Business™ World Elite Mastercard® from Citi earns up to 3% effective value on gas in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Earn 75,000 AAdvantage® bonus miles for your business after $5,000 in purchases within the first 5 months of account opening..
- Top category
- Gas
- Effective value
- 3%
- Annual fee
- $99
Worth a look for gas spend if you need a business card and can use American AAdvantage the way you redeem today. Best for spenders who put meaningful volume in gas and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
What does the Citi / Aadvantage Business™ World Elite Mastercard earn in each category?
Gas is the strongest category at 3% effective value (2x miles at about 1.5 cents each). That gas rate ranks higher than about 82% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Citi / Aadvantage Business™ World Elite Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend.
Gas is the strongest category at 3% effective value (2x miles at about 1.5 cents each). That gas rate ranks higher than about 82% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Citi / Aadvantage Business™ World Elite Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.5% |
| Grocery Supermarkets and grocery stores | 1x miles | 1.5% |
| Gas Gas stations and fuel | 2x miles | 3% Top category |
| Travel Flights, hotels, transit | 1x miles | 1.5% |
| Other General everyday spend | 1x miles | 1.5% |
Madeen values American AAdvantage at about 1.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Citi / Aadvantage Business™ World Elite Mastercard reward caps and conditions?
The Citi / Aadvantage Business™ World Elite Mastercard has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 2 AAdvantage® miles for every $1 spent at telecommunications merchants, cable and satellite providers, car rental merchants, at gas stations and eligible American Airlines purchases.
Who should get the Citi / Aadvantage Business™ World Elite Mastercard?
The Citi / Aadvantage Business™ World Elite Mastercard fits spenders who put meaningful volume in gas and can earn 2x miles. Best for spenders who put meaningful volume in gas and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Citi / Aadvantage Business™ World Elite Mastercard fits spenders who put meaningful volume in gas and can earn 2x miles. Madeen ranks its gas effective rate higher than about 82% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for gas spend if you need a business card and can use American AAdvantage the way you redeem today.
Pros
- Strongest Madeen category is gas at about 3% effective (2x miles).
- That gas rate ranks higher than about 82% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- American AAdvantage value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Citi / Aadvantage Business™ World Elite Mastercard welcome bonus?
In Madeen's catalog snapshot, the Citi / Aadvantage Business™ World Elite Mastercard welcome offer is Earn 75,000 AAdvantage® bonus miles for your business after $5,000 in purchases within the first 5 months of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 75k American AAdvantage (~$1125 estimated)
- Terms (catalog snapshot)
- Earn 75,000 AAdvantage® bonus miles for your business after $5,000 in purchases within the first 5 months of account opening. First-year annual fee waived.
- Minimum spend
- $5,000
- Window
- 5Months
Does the Citi / Aadvantage Business™ World Elite Mastercard have an annual fee?
The Citi / Aadvantage Business™ World Elite Mastercard has an annual fee of $99 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
What travel perks does the Citi / Aadvantage Business™ World Elite Mastercard include?
The Citi / Aadvantage Business™ World Elite Mastercard includes Free checked bag, 25% Savings on Inflight Food and Beverage, 25% Savings on Inflight Wi-fi, AAdvantage Business™ memberships benefits in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Free checked bag
First checked bag free on domestic itineraries to reduce travel costs and boost your bottom line
What benefits come with the Citi / Aadvantage Business™ World Elite Mastercard?
Microsoft Advertising
$300/yrGrow your business and attract more customers with $300 in advertising credit after spending only $150 with Microsoft Advertising. Offer expires on 7/31/2026.
First Checked Bag Free
$280/yron domestic itineraries to reduce travel costs and boost your bottom line.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Melio
$100/yrPaying your business bills has never been simpler — or more rewarding. Get up to $100 in fee credits when you pay with Melio. Offer expires on 7/31/2027.
25% Savings on Inflight Food and Beverage
$25/yrReceive 25% savings on food and beverage purchases when you use your card on American Airlines flights.
Preferred Boarding on American Airlines flights
$25/yrSave time and be more productive with early access to overheads bins.
Car Rental Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart Business
$10/yrFuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
Intuit® QuickBooks® Online and QuickBooks Online Payroll
$10/yrSave 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
Intuit® TurboTax®
$10/yrSave 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
Related encyclopedia topics
What annual spend bonuses does the Citi / Aadvantage Business™ World Elite Mastercard offer?
- Earn an American Airlines Companion Certificate for domestic main cabin travel after you spend $30,000 or more in purchases each cardmembership year and cardmembership is renewed
Common questions about the Citi / Aadvantage Business™ World Elite Mastercard
Where do cardholders spend most with the Citi / Aadvantage Business™ World Elite Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on internet and cable (2x), telephone (2x), gas (2x) for the Citi / Aadvantage Business™ World Elite Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the Citi AAdvantage card worth it?
The Citi® / Aadvantage Business™ World Elite Mastercard® from Citi earns up to 3% effective value on gas in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Earn 75,000 AAdvantage® bonus miles for your business after $5,000 in purchases within the first 5 months of account opening..
Does the Citi / Aadvantage Business™ World Elite Mastercard have an annual fee?
The Citi / Aadvantage Business™ World Elite Mastercard carries an annual fee of $99 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Citi / Aadvantage Business™ World Elite Mastercard?
Gas is the strongest Madeen category for the Citi / Aadvantage Business™ World Elite Mastercard at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Citi / Aadvantage Business™ World Elite Mastercard charge foreign transaction fees?
The Citi / Aadvantage Business™ World Elite Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Citi / Aadvantage Business™ World Elite Mastercard welcome bonus?
The Citi / Aadvantage Business™ World Elite Mastercard welcome offer in our snapshot: Earn 75,000 AAdvantage® bonus miles for your business after $5,000 in purchases within the first 5 months of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
How does the Citi / Aadvantage Business™ World Elite Mastercard compare to similar cards?
Compare the Citi / Aadvantage Business™ World Elite Mastercard against Citi Simplicity Cash (5% on Gas, $0 fee); Shop Your Way Mastercard (5% on Gas, $0 fee); Costco Anywhere Visa (4% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citi / Aadvantage Business™ World Elite Mastercard This card | Gas | 3% | $99 |
| Gas | 5% | $0 | |
| Gas | 5% | $0 | |
| Gas | 4% | $0 | |
| Gas | 4% | $0 |
Side-by-side comparisons
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Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure