AAdvantage Business World Elite vs Smartly
AAdvantage Business World Elite
$99/yr
6.0/10
VS
Smartly
$0/yr
7.0/10
Quick Answer
AAdvantage Business World Elite charges $99/yr with 1X base rewards. Smartly charges no annual fee with 1X base rewards. Smartly offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for AAdvantage Business World Elite →
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Winner by Category
Annual Fees
Smartly
Lower annual fee ($99 vs $0)
Rewards Earning
AAdvantage Business World Elite
5 earning categories
Benefits & Protection
AAdvantage Business World Elite
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Smartly wins for most people
The $99 fee difference is hard to justify unless you maximize premium benefits.
Apply for SmartlyPREMIUM PICK
AAdvantage Business World Elite wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for AAdvantage Business World EliteRewards Earning: Detailed Comparison
AAdvantage Business World Elite
| American Airlines purchases | 2.0X |
| Telecommunications | 2.0X |
| Car rentals | 2.0X |
| Gas stations | 2.0X |
| Everything else | 1.0X |
Smartly
| Everything (with US Bank Smart Rewards account) | 3.0X |
| Everything (without qualifying account) | 2.0X |
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