Citi® / AAdvantage Business™

This card is worth a look if your business already books paid American Airlines flights and you can use the airline perks often enough to offset the $99 annual fee. The free checked bag benefit can add up quickly for business travel, and the 75,000-point welcome offer is a meaningful head start toward future award flights. If your spending lines up with American purchases, gas, car rentals, and telecom, the earning structure is easy to understand and reasonably useful for a business card with a modest annual fee.

It is a weaker fit if you want flexible points or stronger everyday rewards. AAdvantage miles are most useful for people who know they want American Airlines miles, and 1x on general purchases leaves this card behind more versatile business cards for non-bonus spend. The companion certificate can help heavy spenders, but needing $30,000 in annual spend plus renewal makes it more of a secondary perk than the main reason to apply.