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Citi AAdvantage Credit Card Review

Citi AAdvantage Platinum Select World Elite Mastercard

The card is great who travel on long distances.

In case you need a card that’ll allow you to earn rewards and bonuses for booking flights with airlines, it’s important to know as much as possible about loyalty programs offered by the card. In this article, we’ll try to provide you as much information as necessary concerning the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®.

Below there are some key features of the card outlined. Based on these features, you’ll be able to see if this card can meet your needs.

Basic features and advantages of the card that are worth mentioning

Once you start making purchases with the card, you’ll be rewarded 2 miles for each dollar you spent on the purchases with American Airlines and 1 point per dollar for all the rest kinds of purchases. Let’s find out more about the features and benefits of the card that can make it an ideal choice for you.

General description

Advantages:

  • Enjoy the status of preferred client when boarding.
  • You can check your bags for free.
  • Each time you redeem your miles, you get 10% additional miles (off the total number of miles you choose to redeem).

Drawbacks:

  • There is a fee to pay for the privilege of using this card.
  • The card is great only for those cardholders who prefer traveling with American Airlines.

Citi AAdvantage Platinum Select World Elite Mastercard

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

  • APR Special Offer: No offer for this card.
  • Standard APR from 16.99% to 24.99%. The rate can vary. Cash Advance APR amounts to 26.24%, but it’s also a subject to changes. There is also a fee that occurs in case you fail to pay off on time. It varies, but can reach up to 29.99%.
  • The annual fee you’re expected to pay after the 12months’ free “bonus” period amounts to $95.
  • Special Offer: In case you spend as much as $3,000 within the first 3 months, you’ll be rewarded 60,000 American Airlines AAdvantage® bonus miles. However, you need to remember that the bonus miles will expire if not used during a certain period of time.

More information on the card

  • Being a new cardholder, you’re to expect a very generous reward in case you meet the requirement mentioned above.
  • In case you decide to travel with your friends, you can expect certain perks in terms of checking your bags for free. We are speaking about the fact that you and each of your friends (provided that you all have the same reservation) will be allowed to check 1 bag free of charge. Keep in mind that this offer is only valid for domestic flights.
  • Not every credit card with travel rewards allows cardholders to get access to priority boarding. If you’re lucky to have this card, you’ll have this access.
  • Be ready to pay a fee for every purchase you make with the card abroad. Actually, this is the feature that may have an impact on your decision on whether you should take the card with you when going to travel.
  • You have a chance to save some money if you decide to buy food and beverage during your flights.
  • Since there is an additional reward that occurs each time you redeem your bonuses, within the period of 1 year you can get as many as 10,000 additional miles. Keep in mind that this offer is a subject to certain terms.
  • You’ll be rewarded double miles in case you decide to book any eligible America Airlines flights and pay for them with this card.

Apart from the general features you’re to enjoy when using the card, there are the following perks that make it really a good choice:

  • The card is just great for those who want to save some money when checking bags. The offer states that when travelling in a big company, you and up to 4 more people may have 1 bag checked completely free of charge. The offer is valid under the condition that you all have the same reservation. Even if you check a bag for free once or twice a year (when you have a domestic flight), it’ll be more than enough to make up for the fee you pay for using the card.
  • You can take part in a special Mileage Award program. Cardholder are granted the access to the Reduced Mileage Award program that’s said to be an unbelievable benefit. The main idea of the program is to help you save your miles when travelling. This perk is available for certain domestic flights, but the destinations change every month. All in all, you can save up to 7,500 miles each year. That’s quite a big number of miles that you can get more value from when using them for some other purposes.
  • You’ll be able to enjoy exclusive Citi perks. Being a Citi cardholder, means that you get perks that aren’t offered by any other card available at the market. For example, there is the Citi Price Rewind features that ensures you get the best deal possible when buying anything. Once you register your purchase, the card will search for places where the same item is available for a lower price. If it finds such a place, you’ll get a refund. You’ll also get the Citi Private Pass that’ll let you book tickets to special events on presale. The list of the events that you can buy tickets for is rather long.
  • The card is ideal for using abroad since there are no fees implied. The bank made a decision to drop the fees back in the 2015 thus making the card even more attractive to potential cardholders.

The drawbacks of the card and other options that you may be interested in

Even though the card is very advantageous, especially from the point of view of those who prefer travelling with the American Airlines, it also has some disadvantages to remember about.

  • You can use your miles to book tickets with airlines that are included in Star Alliance or SkyTeam. This card is meant for those who like to buy flight tickets either from American Airlines or the partners that are included in the OneWorld Alliance. Consequently, the card won’t be of much use in your case if you like to have more options here.

If you want to get the card that’ll offer you more flexibility, have a look at the Chase Sapphire Preferred® Card.

General description

Advantages:

  • The emitting bank promises a very appealing sign-up bonus with the card.
  • This card has a design that makes it hard not to be noticed.
  • Earn more rewards while travelling or when dining out and using your card to pay for all that.
  • You get travel protection at premium level and all the benefits that come with it.

Disadvantages:

  • Be ready to pay the annual fee of $95 starting from the 2nd year of you using the card.

Chase Sapphire Preferred Card

Chase Sapphire Preferred® Card

  • APR Special Offer: No offer for this card.
  • Standard APR from 16.99% to 23.99%. The rate can vary. Cash Advance APR amounts to 25.99%, but it’s also a subject to changes.
  • There is no fee to pay for the first 12 months, but you’ll have to pay the fee of $95 after that.
  • Special Offer: In case you spend as much as $4,000 within the first 3 months, you’ll be rewarded $625 to spend on your future holidays.

More information on the card

  • In order to qualify for the sign-up bonus offered, you need to make sure that you meet the requirement mentioned above.
  • The card can boast a rather high rewards rate in case you use the card to pay for your future trips or pay with it at restaurants. In these cases, you’ll get a double number of rewards for each dollar spent. All the rest purchases go under the rate of 1 point/$1.
  • As a cardholder you’ll be able to increase the number of bonuses you’re rewarded. The feature has to do with the redemption process.
  • This card drops any kind of fees that occur when a cardholder uses it abroad.
  • Citi allows all cardholders to transfer points they have to lots of loyalty programs.
  • Redemption structure is designed so that you can get additional bonuses each time you redeem your bonuses.
  • With this card you can avoid any kind of restrictions in terms of booking your flights.

Apart from the opportunity to book flights with using the rewards that you’re allowed to transfer to well-known loyalty programs of big alliances, you’ll have good effective rewards rates. The rates are as follows: 2 points/$1 (travel expenses) and 1 point/$1 (all the rest purchases). By the way, Chase also has its own platform where you can also look for flights.

The sign-up bonus promised as a nice present for those who apply for the card for the first time is also something to look for. Actually, if you get it, you’ll successfully offset the annual fee implied by the card starting from the second year of using the card.

Summary: Is the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® exactly the card you’re looking for?

The card offers a set of perks that you won’t get with any other card available at the market nowadays. Besides, if you’ve been travelling with American Airline for lots of years (or you plan to become a loyal customer of the airline in the nearest future), the card is definitely the one you need to get.

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Comments: 4
  1. Henry

    I’ve been using the card for more than 20 years. However, I’ve recently made the decision to start using a different credit card. My AAdvantage account is till active because I’m waiting for the time when the recurring fees will be transitioned. After it, I’ll close the account. The card used to be just great, but there are lots of other new options at the market that have more appealing offers. At present, the only benefit I can enjoy with the card is the fact that there is no fee to pay for it each year. The miles I earn are useless because there are almost no things I can spend them on. I managed to book some trips with my miles several times. I can hardly say that that was beneficial since I had to pay extra fees each time and the flights were inconvenient from the point of view of the departure/arrival time. I often have to go abroad and the card is very inconvenient for me because there is a fee to pay even for one small bag you have with you. I think Capital One will be more beneficial for me.

  2. WayneWin

    I’ve been using the card for lots of years. That was a big surprise for me to realize that the emitting bank is rather incompetent. I travel abroad several times a year and I needed the card to make some purchases when travelling. Each time I face one and the same problem – my purchases are put on hold irrespective of the fact that I notified them about my plans to take the card abroad with me beforehand. As a result, the card was cancelled due to the fraudulent activity (as they explained). I can’t believe this. Over the years, I’ve charged more than 1 million dollars and I’ve never failed to pay on time. However, for some unknown reasons I had to pay fees for late payment almost each month. I don’t even know why I waited for so long to close before actually closing the account and getting a different card. At present, I’m searching for the card that will meet my needs and won’t charge me fees or block my purchases for no reasons. Avoid the card! The mess that goes with it is definitely not worth the rewards promised.

  3. LindaMayers

    Once I got the card, I used it to buy tickets at the official American Airlines website. That purchase allowed me to easily get the reward promised for new cardholders. I was very happy that everything went fine and just the way I planned. However, sometime later I got very sad. I received a letter from the bank in which it was stated that new cardholders can now get 60,000 miles (instead of the 50,000 miles I got). The condition for receiving the reward stayed the same in terms of the money one needs to spend with the card while the time period for doing it was prolonged up to 12 months. They also introduced an interest free period of 14 months. I decided to call the customer support service to ask whether it was possible to increase my reward as well (since I got the card not that long ago). I also said that the interest free period they now have for the card is very attractive and stated that I’d like to have this “feature”. The manager told me that it’s impossible to upgrade the features of the card since I already have it. She added that I also couldn’t expect the increase of my reward.

    All this leaves me very disappointed with the service provided by the bank. I believe they simply don’t want to even try solving problems a client has as well as trying to compromise at least.

  4. ScottRed

    I want to say that a cardholder can only have his/her bag checked for free with this card if the flight is domestic. I often travel abroad and I have to pay fees for my bags everytime. Besides, if you have any connecting flights, you maybe charged extra fee for your bags all the way to your final destination.

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