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What credit score rating do it is advisable get the Citi / AAdvantage Enterprise World Elite Mastercard?

If you happen to’re fascinated about making use of for the Citi® / AAdvantage Enterprise™ World Elite Mastercard® (see charges and charges) — previously often called the CitiBusiness® / AAdvantage® Platinum Choose® Mastercard® — however are unsure whether or not your credit score rating qualifies you for approval, we will help with that.

Let’s take a look at the various factors you need to take into account earlier than deciding on whether or not or not you need to apply for this small-business rewards bank card.

What credit score rating do it is advisable get the Citi / AAdvantage Enterprise World Elite Mastercard?

Though the Citi / AAdvantage Enterprise World Elite Mastercard is a small-business bank card, your private credit score rating might be thought-about throughout the utility course of. Some issuers additionally verify your enterprise credit score rating throughout the utility course of, if your enterprise has a credit score historical past.

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Citi would not publish particular credit score scores which might be wanted to be authorized for the Citi / AAdvantage Enterprise World Elite Mastercard. In any case, your credit score rating is only one of many components that Citi will take into consideration when deciding whether or not to approve your utility. However you may usually want credit score rating of at the least 730* to be authorized for a rewards bank card.

It’s, nevertheless, doable to get authorized with a decrease rating relying in your particular utility particulars.

*The Factors Man credit score ranges are derived from FICO® Rating 8, which is one among many several types of credit score scores. If you happen to apply for a bank card, the lender could use a unique credit score rating when contemplating your utility for credit score.

Who ought to get the Citi / AAdvantage Enterprise World Elite Mastercard?

The Citi / AAdvantage Enterprise World Elite Mastercard is a good card if you’d like additional perks when flying American Airways.

As a cardholder, you may get the primary checked bag free on American Airways home itineraries for you and as much as 4 companions touring on the identical reservation. The $99 annual charge is waived the primary yr, however in subsequent years it is easy to justify this charge for those who verify at the least three luggage a yr.

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The cardboard is presently providing a strong bonus of 65,000 American Airways AAdvantage miles after spending $4,000 in purchases throughout the first 4 months of account opening. Primarily based on TPG’s January 2025 valuations, the welcome bonus is price $1,073.

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You earn 2 AAdvantage miles on eligible American Airways purchases, in addition to spending with telecommunications retailers, cable and satellite tv for pc suppliers, automobile rental retailers and fuel stations. All different purchases earn 1 mile per greenback spent.

What number of card accounts can I’ve open?

Citi would not appear to restrict the general variety of bank cards you possibly can have open. The issuer does, nevertheless, appear to have a most credit score line which will prolong throughout your entire Citi playing cards, although. So, you probably have at the least one different small-business bank card with Citi and are not authorized for a brand new card, you might need to name Citi’s reconsideration line to see if shifting some credit score from one among your present small-business playing cards will mean you can open the brand new card.

Associated: What number of bank cards ought to I’ve?

Who’s eligible for a sign-up bonus?

The cardboard utility notes that “American Airways AAdvantage bonus miles are usually not obtainable you probably have obtained a brand new account bonus for a Citi / AAdvantage Enterprise World Elite Mastercard account previously 48 months.” So, for those who’ve obtained a sign-up bonus for this card within the final 4 years, you will not be eligible to earn one other bonus right now.

Associated: Incomes one other AAdvantage card sign-up bonus: What it is advisable know

Do I want a enterprise to get a enterprise bank card?

Sure, you do want a enterprise to get a enterprise bank card, however many kinds of small companies could be eligible, together with some work that you could be not have beforehand thought-about. For instance, promoting objects on-line, offering music classes, tutoring youngsters, freelance jobs or managing a rental property can all make you eligible for a enterprise bank card.

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You do not have to have a registered enterprise to use for a enterprise bank card. You may choose “sole proprietor” as the kind of enterprise when filling out the applying, enter your identify because the enterprise identify and enter your Social Safety quantity as your tax ID quantity.

Associated: Greatest enterprise bank cards

The way to verify your credit score rating

There are various methods to verify your client credit score rating totally free. For instance, many bank cards allow you to verify your FICO rating for no cost. It is a good suggestion to trace your rating’s progress over time, particularly for those who’re seeking to enhance your credit score rating.

You can too verify your enterprise credit score rating, however you may often must pay to see your precise rating or a full credit score report.

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It is essential to appreciate that you do not simply have one credit score rating. As a substitute, there are completely different calculation strategies and credit score reporting businesses. What you are promoting and private credit score scores will differ based mostly on the calculation technique and credit score reporting company that’s used.

Associated: 9 causes to get a enterprise bank card

Components that have an effect on your credit score rating

When you know your credit score rating vary, you might marvel what components have an effect on your credit score rating. Let’s focus in your private credit score rating since we all know that Citi will take into account this rating for all candidates of the Citi / AAdvantage Enterprise World Elite Mastercard.

(Picture courtesy of scyther5 through Getty Photos)

There are a number of formulation for calculating your credit score rating, however not one of the precise calculations are public. Nonetheless, FICO is comparatively clear in regards to the various factors they assess and the way a lot weight every is given:

  • Fee historical past (35%): Whether or not you have paid previous credit score accounts on time.
  • Quantities owed (30%): The relative measurement of your present debt and the ratio of your present debt to your obtainable credit score.
  • Size of credit score historical past (15%): How lengthy your credit score accounts have been established (together with the age of your oldest account, the age of your latest account and the common age of all of your accounts), how lengthy sure credit score accounts have been established and the way lengthy it has been because you used sure accounts.
  • New credit score (10%): What number of new accounts you’ve got opened just lately.
  • Credit score combine (10%): What number of several types of credit score accounts you’ve got, such bank cards, retail accounts, installment loans, finance firm accounts and mortgage loans.

What to do for those who get rejected

In case your utility is rejected, you may get a letter within the mail that states why Citi turned you down. Relying on the explanations, you might need to use this info to enhance your credit score rating earlier than making use of once more. Or, for those who imagine you possibly can present further info which may result in approval of your utility, you possibly can name Citi’s reconsideration line to make your case.

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If you happen to name the reconsideration line, be ready to reply questions on your enterprise and current a compelling argument for why Citi ought to approve your utility.

Associated: How dangerous is it to get denied for a bank card?

How lengthy to attend earlier than making use of once more

It is best to keep away from making use of once more till you have addressed the explanations Citi gave for rejecting you. However, if you wish to apply once more or apply for a unique card from this issuer, the consensus about making use of for Citi bank cards is you can solely apply for one card (private or enterprise) each eight days, not more than two playing cards in a 65-day window and no a couple of enterprise card in a 90-day window.

How a lot are American Airways AAdvantage miles price?

In accordance with TPG’s January 2025 valuations, American Airways miles are price 1.65 cents every, making the present sign-up bonus for the Citi / AAdvantage Enterprise World Elite Mastercard price $1,073. If you happen to use your miles properly, you possibly can redeem your AA miles for a lot higher worth.

Bank card author Danyal Ahmed has redeemed his miles for as a lot as 6.5 cents a bit when reserving Qatar Airways enterprise class for 70,000 miles.

Associated: How (and why) to calculate award redemption values

Backside line

If you happen to’re an American Airways loyalist and a enterprise proprietor, the Citi / AAdvantage Enterprise World Elite Mastercard is an effective alternative as you earn bonus miles in business-specific classes and on journey with American Airways.

Elite like advantages comparable to precedence boarding and free checked luggage are sufficient to assist offset the $99 annual charge. In case your credit score rating is at the least 730 and your credit score profile is sweet general, this card and its present welcome supply may very well be an awesome worth add for your enterprise.


Apply right here: Citi / AAdvantage Enterprise World Elite Mastercard


Associated: Greatest playing cards American Airways flyers


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