updated May 25, 2016
Are there other travel rewards credit cards that let you earn comparable perks and miles when you travel on American Airlines? In this review we will go over the benefits and the down-sides of Citi® / AAdvantage® Platinum Select® MasterCard® to find out what this card really gives you.
14.24% - 22.24%* (Variable)
$95 annual fee is waived for the first 12 months
Earn 30,000 American Airlines AAdvantage® bonus miles after you spend $1,000 in purchases within the first 3 months of opening your account. This is one of the largest bonus offers we've seen on a co-branded airline credit card in recent months.
Earn double AAdvantage® miles for each $1 spent on eligible American Airlines purchases. So this is definitely a good card to use when it comes time to pay for your ticket purchases as long as they are made directly with American Airlines.
Earn 1 AAdvantage® mile for every dollar you spend on other purchases. You will earn 1 AAdvantage® mile for each dollar you spend on purchases made with your card. This is really the main advantage of using an airline credit card like this, because you can actually earn miles just by charging the purchases you make anywhere to this card.
Enjoy Group 1 boarding on American Airlines itineraries. This priority boarding gives you time to organize yourself on the flight before takeoff, and it's always nice to skip the lines and feel like a VIP.
Get 25% savings on your eligible in-flight purchases. You will enjoy 25% savings on headsets, food and beverages that you purchase with this card on flights that are operated by American Airlines. These savings will be in the form of statement credit, which will be appear in your statement 6-8 weeks after the transaction is posted to your account. That means you will still need to pay for the full purchases, but you get part of what you spend reimbursed with a statement credit. This is a really nice benefit, especially since there aren't limits to the total amount you can save. Some other cards offer similar statement credits for in-flight expenses, but only up to a fixed amount every year, and you reach that limit fast if you fly a lot.
Earn 10% AAdvantage® miles back, up to 10,000 AAdvantage® miles per calendar year. The 10% will be based on the amount of rewards you redeem in a calendar year, so if you redeem 9,000 miles in a year, you can earn 900 bonus miles.
No cap on the miles you can earn. You can accumulate as many miles as you want, so if you use this card to make a lot of purchases, you can earn a lot of miles.
Your first eligible checked bag is free. When you purchase an American Airlines plane ticket with this card to a domestic destination, your first eligible checked bag is free of charge for you (the primary cardholder) and up to 4 people on your reservation. This benefit can save you a lot of money, especially when you travel with your family!
No Foreign Transaction Fees on purchases. Most credit cards charge you a 3% foreign transaction fee every time you use your card to pay in a foreign currency. If you travel outside of the U.S. on vacation those fees can cost you a lot of money. But this card has no foreign transaction fee, which is a great benefit if you travel abroad.
You can earn extra miles with AAdvantage eShopping℠. This online mall lets you earn miles when you shop at over 850 online stores through this portal. That means you can earn miles by using this portal to buy things that you would buy anyway.
$95 annual fee is waived for the first 12 months. You pay no annual fee during the first year, but after the first year, you will have to pay a $95 annual fee. In our opinion, this annual fee is worth it if you travel often with American Airlines or US Airways, or travel with a few people in the same reservation, as you get one eligible free checked bag for up to 4 people!
Higher miles only for American Airlines purchases. When you use this card to pay you earn 1 AAdvantage® mile for every $1 you spend on purchases. That's a good start, but if you want to earn higher miles per $1 you won't have a lot of options. This credit card only lets you earn double miles on eligible American Airlines purchases. But you can earn extra miles by shopping at over 850 retailers through the AAdvantage eShopping℠ online mall.
Discover it® Miles has no annual fee and gives you a 0% intro APR on purchases for 12 months (11.24% - 23.24% variable purchase APR after). You don't earn AAdvantage® miles with this card. Instead, you earn miles that can be redeemed towards the cost of any travel purchases you make (airlines, online travel booking sites, hotels and more), so the miles you get are more like cash back that can be redeemed towards travel. Citi® / AAdvantage® Platinum Select® MasterCard®, on the other hand, lets you earn actual AAdvantage® miles with the American Airlines frequent flyer program. You don't get priority boarding or first bag checked free, but Discover does pay you back up to $30 a year (with an automatic statement credit) for your in-flight Wi-Fi fees charged to this card. Citi® / AAdvantage® Platinum Select® MasterCard® helps you save 25% on headsets, food and beverages purchased in-flight from American Airlines, but it does not help you save on in-flight Wi-Fi. Discover it® Miles lets you earn unlimited 1.5x Miles on every $1 you spend on purchases and has an exclusive double miles offer for new card members only (at the end of your first year Discover matches all the Miles you've earned). Just note that the miles you earn with this card have a value of 100 Miles = $1 value, and you will probably need to redeem a lot more miles to cover a flight, compared to redeeming AAdvantage® miles. But you have the flexibility to redeem miles towards any travel purchases in any amount, or get cash (as a direct bank account deposit). This card also has no foreign transaction fee.
Capital One® Venture® Rewards Credit Card is similar to Discover it® Miles because it also lets you earn miles that can be redeemed towards any travel purchases (including American Airlines purchases) you make. Here again, the miles you earn may not have the same value as actual frequent travel miles. You get a one-time bonus of 40,000 miles (equal to $400 in travel) after spending $3,000 on purchases within the first 3 months. So Citi® / AAdvantage® Platinum Select® MasterCard® has a lower bonus offer but you don't have to spend as much in the first 3 months and the bonus miles are actual AAdvantage® miles. Still this is a good card to use if you aren't a dyed-in-the-wool American Airlines flyer and you like to keep your options open. You earn unlimited 2X miles per $1 on every purchase, so you can rake up a lot of miles by using this card for all your purchases. This card has no foreign transaction fee, but you do pay a $0 intro annual fee for the first year and $59 after that, so it's only a good card to use if you plan to spend a decent amount of money using it to make the miles worth it.
Citi® / AAdvantage® Platinum Select® MasterCard® lets you earn AAdvantage® miles just by charging your purchases to it, and provides money-saving American Airlines perks that make the annual fee worthwhile for frequent American Airlines customers.
This airline credit card is one that I highly recommend for those of you that fly frequently with American Airlines and who want to be rewarded for their everyday spending. The Citi® / AAdvantage® Platinum Select® MasterCard® lets you earn 30,000 American Airlines AAdvantage® bonus miles after you spend $1,000 on purchases within the first 3 months, 2 AAdvantage® miles per $1 spent on eligible purchases from American Airlines, and 1 AAdvantage® mile for every dollar spent on other purchases.
If you are someone who likes flying with American Airlines, in my opinion, you would benefit from this card. Even though it has an annual fee of $95 after the first 12 months, the benefits, rewards and perks that this card offers may be well worth it if you travel regularly.
Ivan Daniel is a writer at GET.com a lifestyle and personal finance website. Email: firstname.lastname@example.org.
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I travel a lot and can compare milage programs offered by different airlines. It is pretty easy to earn miles using AAdvantage card; however, it is not possible to find flights. Options are limited and schedules are terrible if we are trying to redeem our miles. United offer much better selection. AA needs a lot of improvement.
December 02 2015 at 02:03
The AAdvantage card "$100 off" PROMO is false and/or misleading. While the promo makes it sound like they will deduct the $100 off the tickets you are purchasing if you enroll, they do not. You must again purchase American Airline tickets in the future within 1 year for the promotion deduction to apply. I do not want to do business with a company that starts off with a false/misleading promo to entice you to sign up. NOT a good business move by CITI AAdvantage.
August 11 2015 at 15:17
I have a Visa and it is not intended for a global traveler, Foreign transaction fees adds up and makes it a very expensive card.
July 14 2015 at 12:01
My husband and I both have seperate Citi AA Avantage cards, mine is an AMEX and he has a Mastercard. I have had mine for for 10 years and he has had his for 15 or so and we live near DFW airport. The first thing I want to say is that the basic concept of these cards was one devised in the 1990's and it was great back then. Now, we tossed them in a drawer and use our chase sapphire preferred cards. The main reaon is 10 years ago it only took 25,000 to get a coach seat from DFW to LGA now takes 50,000 a seat. On a single mile credit card that's $100,000 in spending to get two coach tickets. It's an old school concept that just doesnt work anymore
July 07 2015 at 23:18
HORRIBLE - what they don't tell you is that the miles you earn by applying for the card are not treated the same as regular miles ie. it will take 60,000 miles to earn ONE round trip domestic flight. Not worth it at all
March 09 2015 at 14:37
Are Canadians eligible for this card?
February 18 2015 at 14:19
If you want to keep the card without paying the annual fee you can call the customer service and ask if they can waive it. In many cases when I called the fee was waived but sometimes they will ask you to pay the fee but will give you 10000 points instead. Also, American Airlines miles are good to travel to Europe. Round trip ticket is only 60000 miles. You will not get the best connection but can look for the longest flight and have a stopover! Plus you can buy two one way tickets and to have an open jaw flight.
January 22 2015 at 02:24
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At GET.com we compare credit cards and rate them objectively based on the credit card's features, interest rates and fees.
Cards are rated by our team based primarily on the basis of value for money to the cardholder. The GET.com team rates each card based on its annual fee, rewards, benefits, bonus, introductory APR, ongoing APR, flexibility (in how its benefits can be used and how rewards are earned and redeemed), and other card features.