Citibank is evaluating a substantial refresh of its American AAdvantage small business card, potentially boosting its value through enhanced loyalty rewards and new perks. The proposed changes, currently in the survey phase, signal a shift toward features designed to drive engagement among frequent American Airlines travelers.
Key Changes Under Review
The core adjustment being tested is a $150 annual fee – up from the current $99. This increase would position the card competitively alongside similar offerings from United and Delta, where statement credits offset the higher fee.
Instead of the existing $30,000 spend-based companion certificate, the new card could offer a straight flight discount, tested at either $125 or $200. While the companion certificate holds high potential value, its restrictions make it less user-friendly. The discount is simpler but offers a smaller overall benefit.
Loyalty Point Boosts: A Major Draw
The most significant upgrade is the potential to earn American Airlines Loyalty Points for both the primary cardholder and authorized users. This would be a permanent benefit, not a temporary promotion. This means spend from an authorized user directly contributes to elite status for both accounts, accelerating travel rewards.
To further incentivize frequent flying, the card could include a “Flight Streak” bonus, mirroring the new mid-tier consumer Globe Card. Users could earn up to 12,000 Loyalty Points per year by completing as many as 12 qualifying American Airlines flights.
Additional Perks and Credits
The proposed card also includes several statement credits:
- $100 for in-flight purchases
- Complimentary Walmart+ membership (valued at $98, including Paramount+)
- A $100 credit through the InKind dining app
Other benefits remain consistent with the existing card: free first checked bag on domestic flights, Group 5 boarding, and standard travel protections (trip cancellation/interruption, delay coverage).
Why This Matters
The upgrade is notable because it’s a rare case where a product looks better for its target market than what’s offered today. The Loyalty Points boost, especially for authorized users, is a key differentiator.
Current airline card comparisons are flawed; most small business owners don’t cross-shop airline cards. Instead, they choose between cash back rewards or the card of their preferred airline.
The survey results suggest that these changes are worth the $51 annual fee increase. Beyond the perks, the AAdvantage Business card unlocks bonus rewards for business-related travel spend.
In conclusion, if implemented, these changes would make the Citi AAdvantage Business Card a more compelling option for frequent American Airlines flyers and small business owners. The Loyalty Point earning structure, in particular, has the potential to significantly accelerate elite status qualification.
