| CitiBusiness® / AAdvantage® MasterCard® |
| Miles Benefits |
| Sign-on Bonus |
20,000 miles after $250 in purchase
|
| Miles Accumulation |
1 mile for every $1 spent on purchases |
| Anniversary Bonus |
3rd Quarter Reduced Miles Award allows card members to use less miles (save as much as 7500 miles) if redeemed in 3rd quarter on specific offers |
| Miles Expiration |
no expiration if account is active within 36 months |
| Caps on miles |
100,000 - Aadvantage Executive Platinum, AAdvantage Platinum and AAdvantage Gold members can earn unlimited miles |
| Credit Limits |
no preset spending limits |
| Travel and Insurance Benefits |
Up to $1,000,000 Travel Insurance
Luggage insurance
Auto rental insurance
Travel and Emergency assistance |
| Other Benefits |
Purchase liability protection
No blackout dates |
| Cost/Fees/Interest rates |
| Introductory rate |
none |
| Annual Fees |
$75.00 |
| Purchase APR |
Prime Rate plus 9.99% |
| Balance Transfer APR |
Prime Rate plus 9.99% |
| Cash Advance APR |
Prime Rate plus 14.99% min 19.99% |
| Penalty/Default Rate |
Prime Rate plus 23.99%, min 28.99% |
| Overdraft Advance Rate |
13.99% fixed (not available in some states> |
| Min Finance Charge |
$1.00 |
| Grace Period |
20 days |
| Balance Calculation Method |
Average Daily Balance (including new purchases) |
| Balance Transfer Fee |
3% of balance transfer, min $5.00, max $50.00 |
| ATM Cash Advance fee |
3% min $5.00 |
| Other Cash Advance fee |
3% min $5.00 |
| Foreign Currency Conversion fee |
3% |
| Over-the-credit-limit fee |
none |
| Late Payment fee |
$15.00 up to but less than $100
$29.00 from $100-$250
$39.00 for more than $250 |
