Credit Cards » Credit Card Reviews » AAdvantage Aviator World Elite Business Mastercard Review (2023)
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AAdvantage Aviator World Elite Business Mastercard Review (2024)

The AAdvantage Aviator Business card offers anniversary mileage bonus, preferred boarding and free checked bags. But, it has drawbacks.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

AAdvantage Aviator World Elite Business Mastercard

AAdvantage® Aviator® World Elite Business Mastercard

Rewards Plan

1x – 2x 2 miles per dollar spent on American Airlines purchases and eligible office supply, car rental and telecom. 1 mile per dollar on all other purchases.

Welcome Bonus

50,000 miles 50,000 miles if you spend $4,000 within 90 days of account opening with an additional 25,000 miles if you spend $10,000 in the first 12 months

Credit Rating

Good – Excellent

0% Intro

N/A

Annual Fee

$95

APR

20.49% – 29.49%
AAdvantage Aviator World Elite Business Mastercard

AAdvantage® Aviator® World Elite Business Mastercard

Rewards Plan

1x – 2x 2 miles per dollar spent on American Airlines purchases and eligible office supply, car rental and telecom. 1 mile per dollar on all other purchases.

Welcome Bonus

50,000 miles 50,000 miles if you spend $4,000 within 90 days of account opening with an additional 25,000 miles if you spend $10,000 in the first 12 months

0% Intro

N/A

PROS

CONS

APR

20.49% - 29.49%

Annual Fee

$95

Balance Transfer Fee

$5 or 3%, whichever is greater

Credit Requirements

Good - Excellent

If you’re a business owner who is brand loyal to American Airlines, the AAdvantage Aviator could be a good way to boost your miles balance. However, you do need to be prepared for rewards that are a little lackluster. The annual fee is modest, but you won’t be able to receive the miles that premium co-branded cards offer, particularly if the majority of your business spending is outside of the top tier spending categories.

Since this card does have a modest annual fee, it does offer some nice benefits, including a companion pass, but there are spending requirements to qualify. This includes $30k spending throughout the year to receive a companion pass the following year, which may be a barrier for some users. Since the companion pass is arguably the best perk of this card, you need to ensure that you will qualify for it, year on year.

  • Mileage Bonus
  • Free Checked Bags
  • Preferred Boarding
  • Companion Certificate
  • Complimentary Employee Cards
  • Inflight Savings
  • World Elite Mastercard Offers
  • No Lounge Access
  • Lackluster Rewards
  • High Spend Requirements

Can I get pre-approved?

Barclays does not offer pre approval on its website for its cards, including the AAdvantage Aviator. However, Barclays may send out mailers or other promotional material offering select customers pre approval for this or other credit cards.

How do I redeem rewards?

When you want to redeem your AAdvantage miles, you’ll need to log into your AAdvantage account. You can then search for flights and see a miles cost for each itinerary. You can also explore the other redemption options.

How hard is it to get an AAdvantage Aviator card?

You do need to have good to excellent credit to qualify for the AAdvantage Aviator card, but there are no other specific requirements. So, if you’re a business owner with decent credit, you should not have any particular problems getting this card.

In this Review

Simulation: How Much Rewards You Can Earn?

Take a look at the table below to see how many points you can get by using the AAdvantage Aviator  Business Mastercard. The table shows an estimate of the points you could earn based on your usual spending in different categories.

Remember that this table is just an approximation, and the points you actually earn may be different due to your spending habits and other factors. However, it gives you a good idea of the potential advantages of this card.

AAdvantage® Aviator® World Elite Business Mastercard

Spend Per Category
AAdvantage Aviator World Elite Business Mastercard
$10,000 – U.S Supermarkets
10,000 miles
$3,000 – Restaurants
3,000 miles
$5,000 – Airline
10,000 miles
$4,000 – Hotels
4,000 miles
$4,000 – Gas
4,000 miles
Estimated Annual Miles
31,000 Miles
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Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Pros and Cons

Just like any other credit card, the AAdvantage World Elite Business Mastercard has some advantages and disadvantages:

Pros
Cons
Mileage Bonus
No Lounge Access
Free Checked Bags
Lackluster Rewards
Preferred Boarding
High Spend Requirements
Companion Certificate
Complimentary Employee Cards
Inflight Savings

After your account anniversary date, you’ll receive a 5% mileage bonus based on the number of miles you’ve earned in total using your card throughout the year. So, if you earn 10,000 miles, you’ll receive a 500 mile bonus.

On domestic American Airlines itineraries, you and up to four travel companions can enjoy first checked bags free. However, you and your companions need to be traveling on the same reservation to qualify.

You and up to four travel companions can enjoy preferred boarding on American Airlines operated flights. Again, you need to all be on the same reservation to qualify.

Every anniversary year, you’ll receive a companion certificate if you spend $30,000 on your account during the year. This certificate is good for one guest to travel at $99 plus taxes and fees. 

To receive your certificate, your account must remain open for at least 45 days after the anniversary date.

As the AAdvantage Aviator is a World Elite Mastercard, as a cardholder you can access a variety of offers.

This includes deals from popular brands for services such as food delivery, online shopping and ride sharing. You can also access Priceless experiences and events.00

Although complimentary lounge access is usually reserved for premium lounge aceess credit cards, it is unusual for a co-branded card to not offer any form of lounge access. 

This card does not even offer discounted access.

While it is nice to receive two miles in some spending categories, there are other cards that offer as many as five miles per dollar.

Additionally, there are limited categories included in the top tier, with everything else, just getting one mile per dollar.

The introductory bonus and companion pass have fairly high spending requirements to qualify. If you’re a modest spender, you may struggle to qualify for these perks.

Unlike some business credit cards, you can request cards for your employees without any additional fee. This makes it easier to accumulate miles faster, but it also makes it simpler to control your business spending, as you don’t need to worry about reimbursing your team members for business purchases.

When you use your card to pay for food and beverages during your American Airlines operated flight, you can receive 25% savings.

Who May Consider The AAdvantage Aviator Business?

Since this is a business card, it is obviously designed for business owners or managers, particularly those who are brand loyal to American Airlines. If your business activities require regular flights with American Airlines, this could be a good card to carry.

The card could also be a good pick if the majority of your business spending is on American Airlines flights, rental cars, telecom and office supplies, since these are the top tier reward categories. If your spending is typically outside these categories, you are not likely to get the most value from this card.

If you would like to check other airline cards in the same category, here are some alternatives:

Card
Rewards
Annual Fee

Amex Delta SkyMiles Platinum card

1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
$350 (Rates & Fees)

1X – 2X Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
$99 (waived for the first 12 months)

Air Lingus review

1X – 3X 3 Avios for every dollar on Aer Lingus, Iberia and British Airways, 2 Avios per dollar on direct hotel accommodations and 1 Avios for all other purchases
$95

Southwest Rapid Rewards® Priority Credit Card

1X – 3X 3X points on Southwest purchases, 2X points on Southwest’s Rapid Rewards hotel and car rental partners, local transit and commuting (including rideshares) and internet, cable phone and select streaming services; 1X points on all other purchases
$149

jetblue plus card

1X – 6X 6X points on JetBlue purchases, 2X points at restaurants and grocery stores and 1X points on all other purchases
$99
united explorer
1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases
$95 ($0 first year)

FRONTIER Airlines World Mastercard® review

1x – 5x 5x miles per dollar on purchases at flyfrontier.com, 3x miles per dollar at restaurants and 1x miles on all other purchases
$89

Tips for Using the Aviator World Elite Business Card

Here are two options that can help you maximizing the card:

If you’re flying with up to four others, be sure to book your American Airlines travel on the same reservation. This will ensure that all of you can enjoy free first checked bags and preferred boarding.

Unlike many other business cards, you’ll not incur a fee if you request additional cards for your employees.

If your employees have a card, it will not only help you to earn miles more quickly, but it can make managing your business spending easier, since you’ll have an itemized statement each month.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

FAQs

This card is not the best idea if you tend to have very varied business spending. Since there are limited categories offering the top tier two miles per dollar, you may find it challenging to accumulate a large miles balance.

The card is also not the best choice if you’re a fairly modest spender, since you do need to meet some significant spending requirements to qualify for the welcome bonus and companion certificate.

Unfortunately, while card holders can access a global services helpline while you’re away, there is no travel insurance coverage offered with the AAdvantage Aviator.

There are no official income requirements published by Barclays for this card, but you do need to have good to excellent credit to qualify. While your income will be assessed, it is not the only factor that will be considered when an approval decision is being made.

Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Search
Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.