Citi® / Aadvantage Business™ World Elite Mastercard®
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.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 3%
- Annual fee
- $99
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
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 67% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 3% effective value (2x miles at about 1.5 cents each). That gas rate ranks higher than about 67% of the 1,551 cards we track in that category.
| 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 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 67% 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is gas at about 3% effective (2x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
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.
Does the Citi / Aadvantage Business™ World Elite Mastercard have an annual fee, and what's the welcome bonus?
The Citi / Aadvantage Business™ World Elite Mastercard has an annual fee of $99 and a foreign transaction fee of None. 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.. Confirm current issuer terms before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
- Signup bonus
- 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.
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 bagFirst 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?
- 25% Savings on Inflight Food and Beverage
Receive 25% savings on food and beverage purchases when you use your card on American Airlines flights.
- 25% Savings on Inflight Wi-fi
Get 25% savings on wi-fi when you use your card on American Airlines flights.
- AAdvantage Business™ memberships benefits
Book and manage business travel easily on aa.com. Your membership also includes travel management tools with essential reporting capabilities, duty of care, traveler activity, expense management and more.
- American Airlines Companion Certificate
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.
- Car Rental InsuranceIncluded with World Elite Mastercard®
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.
- First Checked Bag Free
First checked bag free on domestic itineraries to reduce travel costs and boost your bottom line.
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
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
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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.
Is the Citi / Aadvantage Business™ World Elite Mastercard annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in gas and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Citi / Aadvantage Business™ World Elite Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the Citi / Aadvantage Business™ World Elite Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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 |
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