Read on for a review of some of the airline credit cards these two industry giants offer their customers.
American Airlines Credit Cards Review
American Airlines gives customers the option of several credit cards that connect with the American Airlines AAdvantage program. Members earn miles by flying American, or a participating partner, which can then be redeemed for more flights, seat upgrades or hotel and rental car reservations.
|American Airlines Credit Cards|
|Card Name||Annual Fees||Bonuses||Mileage Rewards||APR|
|$450||Admirals Club access, Global Entry or TSA Precheck fee credit||Earn 75,000 bonus miles after spending $7,500 in purchases within the first three months of account opening||17.49%-25.49%|
|Platinum Select World Elite Card||$99, waived for the first 12 months||First checked bag free on domestic American Airlines flights, along with preferred boarding and no foreign transaction fees on purchases||Earn 2 miles for every $1 spent at restaurants, gas stations and eligible American Airlines purchases||17.74%-25.74%|
|AAdvantage Gold Mastercard||$50||Save 25 percent on in-flight food and beverage purchases||Earn 1 mile for every $1 you spend on all purchases||0%-29%|
|AAdvantage MileUp Card||N/A||Save 25 percent on in-flight food and beverage purchases||Earn 2 miles for every $1 spent at grocery stores and eligible American Airlines purchases, earn 1 mile for every $1 spent elsewhere||17.74%-25.74%|
|CitiBusiness Platinum Select Card||$99, waived for the first 12 months||First checked bag free on domestic American Airlines flights, along with preferred boarding and a 25 percent discount on in-flight WiFi||Earn 2 miles for every $1 spent on select business categories and eligible American Airlines purchases, earn 1 mile for every $1 spent elsewhere||17.49%-25.49%|
|All information accurate as of Aug. 10, 2018|
Which Should You Get? Best Travel Credit Cards
Citi AAdvantage Executive World Elite Card
This AAdvantage credit card gives customers the opportunity to earn 75,000 bonus miles if they spend $7,500 within the first three months of opening an account. Another bonus lets customers earn 10,000 elite qualifying miles after making $40,000 in purchases within the year. Cardholders can also tap into useful travel benefits such as access to the Admirals Club. The card comes with a high annual fee of $450.
Advantages: High mileage bonuses, travel benefits, TSA Precheck/Global Entry application fee reimbursement
Disadvantages: Costly annual fee
Who is this card good for? Wealthy jet-setters looking to maximize their travel experience, those who travel frequently who would benefit from the bonus miles and offset costs from the bonuses
Citi AAdvantage Platinum Select World Elite Card
The Platinum Select card gives customers the opportunity to earn 50,000 bonus miles if they purchase $2,500 within the first three months of opening an account. They can further earn more miles by spending money at restaurants, on gas or on eligible American Airlines purchases, at a rate of 2 miles for every $1 spent. The card does cost $99 a year to maintain, but the fee is waived for the first year after opening the account. Read a complete review of the Platinum Select World Elite card here.
Advantages: More affordable mileage bonus than Executive World Elite Credit Card, annual fee waived for the first year
Disadvantages: $99 annual fee after the first year
Who is this card good for? Frequent travelers
Citi AAdvantage Gold Mastercard
This card earns miles on all purchases, but without any bonus rate. However, you can still save 25 percent on in-flight food and beverages purchased on American Airlines flights.
Advantages: Potentially the lowest APR on this list, save on in-flight purchases
Disadvantages: No bonus mileage
Who is this card good for? People who travel infrequently but want some perks when they do
AAdvantage MileUp Card
The MileUp card comes with the easiest to achieve bonus: You can earn 10,000 American Airline bonus miles plus a $50 statement credit after spending $500 within the first three months of opening the account. This card comes with no annual fee.
Advantages: More achievable bonus than other cards, potential credit statement, no annual fee
Disadvantages: Mileage bonus is far less than other cards listed
Who is this card good for? People looking to invest in a travel credit card without the costly requirements for travel bonuses
Use Wisely: 10 Things You Should Never Put on a Credit Card
CitiBusiness AAdvantage Platinum Select Card
Business owners should note that the yearly fee of $99 is waived for the first 12 months, unless they’re looking for something with a cheaper annual bill. Customers also get a chance to earn 70,000 bonus miles after spending $4,000 within the first four months of opening the account. No foreign transaction fees give you an edge when eyeing international expansion.
Advantages: 70,000 bonus miles, annual fee waived for first year, no foreign transaction fees
Disadvantages: $4,000 required for bonus mileage, might not benefit new business owners
Who is this card good for? Business owners looking to expand their networks at a reasonable cost
The Bottom Line on American Airlines Credit Cards
Which is the best American Airlines credit card? That depends on your financial situation. All of American Airlines’ cards are geared toward maximizing the travel experience, whether by earning miles or receiving discounts on travel expenses. As you compare credit cards, note the differences in qualifying purchases for bonuses. Whether those bonuses are achievable depends on your budget, and for some prospective cardholders that might mean it’s too risky to chase miles at the expense of their credit limit. Most of the cards come with annual fees, with the AAdvantage Executive World Elite Card carrying the heftiest fee at $450. Each AAdvantage card, regardless of how many benefits it carries, comes with the purchasing power of earning miles, with some rates doubled depending on the type of purchase.
More on Credit Cards
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- Barclaycard Review: A Rewards Card That Pays You for Your Purchases
GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the issuers’ discretion. Some interest rates might be short-term or promotional offers only, and it is possible additional terms and conditions must be met in order to obtain the interest rates listed. Rates and availability might vary by region. Verify terms and conditions before opening an account.