Milecards

American AAdvantage credit card review: Is it worth $95?

Pros

 

  • You get a first free checked bag for you and up to 4 traveling companions (save $25 per bag) on domestic American Airlines flights.
  • Enjoy preferred boarding on American Airlines flights* (you won’t be the very first to board – but you will board ahead of people in coach who don’t have the credit card or elite status with American airlines)
  • American Airlines miles can be used to travel on Alaska Airlines, Hawaiian Airlines, Cathay Pacific, Japan Airlines, Qantas, LAN, British Airways, Air Berlin, Qatar Airways, and several others.
Cons
  • There are surcharges of $700 or more roundtrip on awards that involve British Airways long haul flights. Fortunately other airline partners have few or no surcharges.
  • It’s sometimes hard to find award flights available at the cheapest MileSAAver award price, especially for international business class flights.
Overall Rating
4/5 Stars   
Key Features

 

  • Enjoy preferred boarding on American Airlines flights*
  • No Foreign Transaction Fees on purchases.1
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year*
 

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee

Yes

Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

Still confused? Have a question?

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"These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered."

72 thoughts on American AAdvantage credit card review: Is it worth $95?

  1. Mitch

    This card has not worked out very well for me. When I got the card there was no annual fee until they decided there was, accumulating enough miles to get a couple of round trip ticket in lower 48 requires a great deal of spending at a high interest rate. Forget it unless you have over 35,000 miles which can take a couple years or more to accumulate for me. I could have purchased several tickets for cost of interest and annual fees paid to Citi. You can book flights much cheaper through Orbitz and the only advantage is a $35 fee for checked bag. My wife and I fly from west coast to midwest once or twice a year. I wanted to try and gift miles to our pastor and his wife, couldn’t get that done. It’s like the casino business, odds are in the house favor. The “Advantage” goes to the credit card company not the credit card holder. Take a look at the people who say it works for them. They spend an exorbitant amount of money through the credit card to get any real perks. It’s kinda like how the casino keeps the high rollers flowing money through the casino. They get a free room, dinner, transportation for the privilege of keeping the casino cash flowing. Save your money, book your trip through Orbitz with a more reasonable now fee, lower interest card with cash back program. You will pay half the price and much better off to pay the $35 for you checked bag.

    Reply
  2. Wendy

    I have the Citi Platinum Select Card and purchased a family trip to Puerto Rico to visit my family in January with the card. I bought the tickets before the devastating Hurricane Maria. I already tried to postpone/change and they want to hit with fees. The travel protection wouldn’t qualify, would it? I just don’t see electricity and everything up to par by January and my immediate family actually left Puerto Rico to the mainland until things get better. So I don’t know what to do and don’t want to get hit with 4 change fees! Any input?

    Reply
    1. MileCards.com

      @Wendy – Probably have to wait until closer to the travel date on that. If your flight is operating it’s tough to get a claim through, but doesn’t hurt to call the number on the back of your card, for example if you have a nonrefundable hotel that’s not open on your travel dates.

      Reply
  3. Rebekah Morgan Mitchell

    I booked flights using my AA platinum select Citi card. Our flight is to Puerto Rico on the 23rd. Hurricane Maria is on its way to Puerto Rico however American Airlines are only changing flights for passengers departing the 18th-20th. Even if the airport is reopened by the 23rd, we don’t want to spend our vacation in a place that has been devastated by this hurricane. I know that there is Travel protection benefit with this card where I can cancel my flights and get reimbursed. How do I go about doing tat?

    Reply
  4. Marty G

    I’m an EXP with AA and have the world elite card through Citi. I’m already an Plat Pro for next year and probably will hit EXP again.

    I also have the Sapphire Reserve and the Prestige and Starwood AMEX. The AA card is up for renewal and, unless I’m missing something (other than the 10% back on redemptions), I’m not going to gain anything by keeping this card for another year, correct?

    As an EXP, I’m in group 2 boarding if I don’t get upgraded to first, and already get 3 free checked bags.

    Trying to get rid of the cards that I don’t use so I can focus on other bonuses. I’ve had this card for 2 years and I don’t even carry it in my wallet anymore. Even the trip protection kicks in at a hefty 12 hours, which is long considering it’s a branded AA card.

    Thanks!!
    Marty

    Reply
    1. MileCards.com

      @Marty G – Yes sounds like no real value for you there with that card. Starwood takes care of you earning AA miles from your spending.

      Reply
  5. Keith H

    Horrible customer service, absolutely no benefits for military members, and fail to follow up on specials advertised at sign up.

    My wife signed up for a card after I did, due to the promotion for the free 30,000 Miles. However after months of trying to work with customer service (most of which didn’t speak good english), and several emails, she never received those miles that she earned. Also, several other cards offer discounted rates or waived annual fees for military members and their spouses, but not American. Such a sad situation, and will be leaving this account. Not worth your time when other companies give so much more respect to their customers.

    Reply
  6. Matthew Holmes

    I was excited to apply for the platinum card today, but accideny applied for the executive card and received a $20k limit. I called to have the card changed to the platinum, but was dissaponted that they gave me a $9k CL. Nothing changed in the 5 minutes off applying. I would appreciate the 20k CL. I use my CL heavily and pay off every month.

    Thank you

    Reply
    1. MileCards.com

      @Matthew – Sorry to hear about that. Issuers sometimes offer different limits based on card types, but probably worth checking with them once you get the card.

      Reply
  7. Mark

    Looking for an AA card that includes a free bag to Caribbean destinations. I spend about $25k-$30k annually on my current credit card. Usually fly once a year to the Caribbean. If no free bag to Caribbean is available, what is best for me? Thanks.

    Reply
  8. Daniel

    Today I received an offer for this Citi Advantage Platinum Select credit card. If spend $3,000 within the first 3 months you will be granted with 60,000 miles. Annual fee waived for the first 12 months… sounds good. Now the question.

    If you just read the 10 last comments about this credit card everybody is complaining about the same, How difficult is to book a flight using miles? Why people said that it is almost impossible to find a trip that allows you to use the miles? Thank you.

    Reply
    1. MileCards.com

      @Daniel – See this study we just did – average domestic ticket on American ends up costing around 47,000 miles if you’re not flexible with dates.

      http://milecards.com/2017-u-s-airline-mile-study-the-airlines-with-the-lowest-mile-prices-for-domestic-flights/

      So expecting you’ll get two full free roundtrips out of this deal, you might be disappointed if you’re not really flexible. But one free roundtrip shouldn’t be a problem.

      Better bet with AA miles is going to Asia or South America.

      Reply
  9. JJJJ

    Don’t open a Citi Advantage credit card… I paid my monthly charges … and they hold your money for 7 days. Basically my bank paid Citi and Citi instead of crediting your advantage card account Citi keeps it.
    Citi probably uses our money in a 7 day investment with our money !!!
    So illegal … that is not on our Terms and Condition policy, Citi claims they can do it based on Fed money laundering laws… they found a loophole in the system for this bull… and I only had paid couple of hundred bucks towards my card … so that’s real bull !!!
    AVOID THIS CARD !!!!!

    Reply
  10. RY

    TERRIBLE!!
    I’m not sure where to start but in a nut shell:
    -Annual fee (so many other cards are free)
    – Good luck trying to redeem miles for flights, I’ve tried for years and accumulated nearly 400,000 miles, what a disappointment.
    -I switched to another card with no fee and cash back. So much better (and No Fees!)
    – Since I couldn’t use t0 miles for flights I decided to use them for gift card, AND GUESS WHAT? They cap how many miles you can redeem per year.
    – So disappointed with this program!

    Reply
  11. bb

    just got a replacement card and whoever designed new card should be fired. The numbers have been moved to the back and reduced to a font size that is unreadable for anyone over 50. The coloring of the numbers is light grey and the card is mottled grey. I imagine many many people with vision problems are going to have a hard time using this card if they ever have to read off the numbers. I can’t understand how this passed the committee. I would think that any card change would take a committee of people and it looks to me that no one on the committee has a clue of design or layout or utility.

    Reply
  12. TA

    AAdvantage credit card miles is a joke. It’s bait n’ switch. Sure they offer miles saver rewards, but the travel is very dubious. For instance, travel occurs over 2-3X the normal flight length with many plane changes. PLUS, they nail you with “taxes and fees” equal to the amount of a cheap ticket found on any travel search engine. The bait ‘n switch is incredible and highly deceiving! STAY CLEAR FROM THIS MILES PROGRAM!

    Reply
  13. KP

    I redeemed my AA miles for 3 domestic tickets. I was thinking of applying the Citi® / AAdvantage® Platinum Select® World Elite™ for free checked bag benefits. I was then turned down by the representative who told me that the tickets have to be purchased by Citi Elite Mastercard in order to be qualified for free checked bag. I suggested that the Citi fineprint needs to be more specific just like United Explorer card . I then did read from multiple blogs and found conflicting answers.

    1. Can you please confirm the process/es that need to be done in order to get the first checked bag free?
    2. How could AA kiosk knows that I have Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard if I did not use the card to purchase my tickets? Do I just show my card and fees will be waived?
    Thanks!!

    Reply
    1. MileCards.com

      @KP – It does not need to be purchased with the card to get the benefits. As long as your acccount is activated at least 7 days before the flight, and your AAdvantage number is in the reservation, it will work. That’s according to the Citi fine print.

      They tie it all together using your AAdvantage number.

      “For benefit to apply, the Citi® / AAdvantage® account must be open 7 days prior to air travel, and reservation must include the primary cardmember’s American Airlines AAdvantage® number 7 days prior to air travel.”

      Reply
      1. Susan Warso

        I was pickpocketed in Athens, Greece 2 days into vacation. Since 9/4 I have been dealing with Citicard for replacement to Greece. They continue to screw up and their employees are idiots. I have directed them to send to 2 different locations of which hasn’t happened. DHL supposedly used but no tracking no. Other requests FedEx to residence. I am a woman traveling alone with way too much cash because of this and Citi has ruined a trip of a lifetime.

        What good are the international perks when they can’t handle a traveler in distress. American needs a partner credit card that can do this. Upon my return to US I am contacting media and every agency I can and I am sure this has happened before. This is unconsciable.

        Reply
  14. CLamb

    For the American Preferred Advantage Select card, I would suggest that you not get it. Every time I have used it they tell me that therre is some exception to the benfits advertised – they almost always charge you for the first bag and then you have to deal with trying to get your money back when you return from your trip. My experience is that you get a lot of double talk when you try to use the advertised benefits of the card

    Reply
    1. John

      @CLamb since I’ve had the card I have never been charged for my first bag so I’m not sure what happened to you but as for this benefit it seem seamless to me.

      Reply
    2. Susan Warso

      I was pickpocketed in Athens, Greece 2 days into vacation. Since 9/4 I have been dealing with Citicard for replacement to Greece. They continue to screw up and their employees are idiots. I have directed them to send to 2 different locations of which hasn’t happened. DHL supposedly used but no tracking no. Other requests FedEx to residence. I am a woman traveling alone with way too much cash because of this and Citi has ruined a trip of a lifetime.

      What good are the international perks when they can’t handle a traveler in distress. American needs a partner credit card that can do this. Upon my return to US I am contacting media and every agency I can and I am sure this has happened before. This is unconsciable.

      Reply
  15. Andy

    AAdvantage has Gold, Platinum and Executive tiers. What are the requirements for being on each of those tiers? In other words, how can I get the platinum aadvantage?

    Reply
  16. Mike Claiborne

    Do not get the card. You will never be able to use your miles. I have 97K and every time I try to use them there is some issue. I seem to always be short on miles. I think it is programmed into the computer or something. Like they know what you are trying to do.

    Reply
  17. William Wilkens

    Seriously looking at this card since my wife and I have been flying AA for sometime. Under “Pros” features above;
    1) 1st checked bag free- All flights, domestic only….?
    2) Preferred boarding on American Airlines flights*- Same question, all or just domestic flights? Or just AA and not partner airlines? And what does the * indicate? I could not find a key for that on the page

    Oh and do the above perks apply just to me or all those on the ticket?

    Reply
    1. MileCards.com

      @William – First bag free is domestic only. The preferred boarding is on all AA flights, though it’s really just “boarding before people in coach who aren’t American Airlines elite status members” – which is often the middle of the pack on a flight. The free bag and boarding priority applies to up to 4 people on your ticket.

      Reply
  18. William Wilkens

    Seriously looking at this card since my wife and I have been flying AA for sometime. Under “Pros” features above;
    1) 1st checked bag free- All flights, domestic only….?
    2) Preferred boarding on American Airlines flights*- Same question, all or just domestic flights? Or just AA and not partner airlines? And what does the * indicate? I could not find a key for that on the page

    Reply
  19. Donna Poppenhagen

    I’m no longer able to take long trips and American doesn’t fly to the shorter destinations I need, so the $95.00 annual fee is too costly for the advantages I would get. Can I cancel my card and also retain my American mileage or would that disappear with the cancellation? How can I preserve the milage without paying the high fee?

    Reply
    1. MileCards.com

      @Donna – Yes you can keep your miles. They expire after 18 months of no activity, but any activity that earns or uses miles will reset the click.

      Reply
  20. HarvK75

    Just canceled my AAdvantage Platinum Select card. Bought tickets with card to fly from O’Hare to Mexico City after calling Card concierge to ask if the baggage fees would be waived for our two bags if the flight didn’t offer one bag free as international flights often due. The card concierge said absolutely less. We just had to show our card at checkin. WRONG, The baggage fees are waived only for U.S. contiguous states and Alaska. BTW, American considers all flights in the Western Hemisphere to be not eligible for “one free bag on an international flight” common practice. American Airlines says the Western Hemisphere flights are not international. But they also aren’t “domestic” for this worthless card. The AA service rep at the check in desk also said my AAdvantage card was not an American Airlines card; it was a Citibank card so the fraud and deception I was feeling was not the fault of American Airlines. I called the Card concierge to complain about the bad answer I was given. He had nothing to say except the fees would not be waived just because I was given the wrong answer. I do get my prorated card fee back, anyway–or so he said. Let’s see if it arrives. Back to only cash rewards for me. I spent $60,000 on the card in the last 1 1/2 years. Meant nothing.

    Reply
  21. April

    First dispute in 3 years was handled unprofessionally, almost like they didn’t take my complaint seriously. They heavily favor the merchant. In addition, American Airlines employees tend to be negative and sometimes rude because of all the crap they endured while the company went through bankruptcy. There are better credit card companies out there.

    Reply
  22. AA Card

    I applied for the AA Advantage MasterCard while on a flight, promising me that the $95 fee is waived the first year.

    If I cancel during the first year, is there any penalty; i.e., will I be charged the $95 fee?

    Reply
  23. Ju

    Hi, i recently got approved for the Citi® / AAdvantage® Platinum Select® Card. It said that i could get 30,000 miles for free if i spent $750 in 3 months. I was wondering when the miles will show up? Will they show up on the statement as soon as i spend $750 or more? Or do i have to wait for the first 3 months before it actually shows up?

    Thanks!

    Reply
    1. MileCards.com

      @Ju – Once you meet the requirement they generally show up after your monthly statement is generated, or on the next statement.

      Reply
  24. Mike

    I’m looking to get this card for the bonus miles offer. I was hoping to buy the ticket with the card then credit the miles to my balance. Does that work for this card? Also, how long does it usually take to receive the bonus miles?

    Reply
    1. MileCards.com

      @Mike – Unfortunately you need all the miles in your account for the award before you can book. It doesn’t let you request statement credit later.

      The miles generally post with the 1st or 2nd statement after you’ve met the spending requirement.

      Reply
  25. Ken

    I was booking a flight on American online and a promo popped up saying I could get $100 off my flight if I opened the Citi AAdvantage card. So I did and I was instantly approved, but it didn’t take the $100 off. I called and they told me I would have to receive the card in the mail before I could use the card to book with the discount. They told me the $100 would show up as a credit on my account and I could use it on my next flight. I was ticked, as that is NOT what was advertised, but knew I would be flying again soon. A month later I booked another flight…this time, using the AAdvantage card. And I looked for my $100 credit on my statement. Still not there! So I called customer service and was told I have to wait two more business cycles to use the credit. What a total RIPOFF! I’m furious. Stay far away!!

    Reply
  26. GERONIMO SERRANO

    Hello, i get a Master Card Black AAdvantage about 2 month ago, from a bank outside US, Costa Rica, i wasn’t a member of AA program, the bank webpage says when i got this card is should get registered automatically, but i never received any email about this. So few days ago i join AA program by myself, my question is, will i receive miles for all the expenses I’ve done so far? Who link this accounts?

    Regards

    Reply
    1. MileCards.com

      @Geronimo – Give them a call at 800 882 8880. If you have two different accounts lying around they can link them up for you into one account.

      Reply
  27. Bill Thompson

    My wife has 40k miles and I have 4k. Should she apply for a AAdvantage Platinum Select card and add me or should I apply for my own?

    Reply
    1. MileCards.com

      @Bill – If she adds you, the miles from your spending will be earned in her account. If you apply for your own, you’ll get your own sign on bonus and miles from your spending will go into your account.

      If you want more miles quickly – best bet is for each of you to apply.

      Reply
    2. Lisa Brogan

      This card is not worth it! Tried booking a flight! What a pain . Wanted to pay the extra in cash. Can’t do that. They want you to buy miles at an exorbitant rate! Cancelling card; moving on!

      Reply
  28. Beth

    How many miles do I get for every dollar I spend on the card? And is there a limit to home many miles you can aquire with using the card per year?

    Reply
    1. MileCards.com

      @Beth – No limit to how many miles you can earn. You get one mile for every dollar you spend, or 2 miles for every dollar you spend with American Airlines.

      Reply
  29. Ana Arias

    Dear Sirs,
    I requested the card some months ago and it was lost, I requested again and it never arrived.
    I’m not able to find a contact email or tel to request it again.
    Best
    A

    Reply
  30. Sean

    Have the aviator aadvantage MasterCard, have 44,000 miles now. If we do not renew the card will we still have the miles to use in the near future??

    Thanks for any help

    Reply
    1. MileCards.com

      @Sean – Your miles expire 18 months after no account activity. The good news is any earning or using of your miles counts as activity, and each time you do, it resets another 18 months.

      Reply
  31. Maqui

    Hello,
    I recently got the citi AAdvantage card. I did the $3000 in 3 months to get 50,000 miles. They recently changed the miles to go to Chile to be 90,000 miles, which was the reason for me to join. We don’t travel much and I don’t use it as I have the capitalone quicksilver that gives me cash back. Is it worth for me to have it? I feel like it’s unnecessary and doesn’t offer much benefits. What is your take on it? Should I keep the card or close it? It hurt my credit score when I had to spend the $3000.

    Thank you!

    Reply
    1. MileCards.com

      @Maqui – What days are you trying to travel? Chile should still be 60,000 miles roundtrip on days with ‘Saver’ seats.

      Another option is to use your miles to book one way of the trip, then use cash to book the other direction, as often one way tickets are half the price of a round trip.

      As for keeping the card…you don’t have to make a decision until the annual fee comes due. Then you can get a better sense of whether you like these miles or not, and they can refund the fee if you call them quickly after it’s posted and decide to cancel.

      But if you want to make a decision now, nothing will happen to your miles if you cancel the card. Those are yours to keep up until they expire.

      Reply
      1. Maqui

        The days would usually be around either summer time or in early spring. I didn’t think about using miles for half tickets! That’s a great idea! Ok I’ll call them when they do charge for the annual fee since it won’t be anytime soon when we’ll travel.

        Thank you so much this really hhelped! Gave me options I didn’t even think about!

        Reply
  32. Don Brookman

    Recently I got an AA Platinum Select card, however my employer uses a contracted travel agent and does not allow us to purchase air fare on our own. Can I still get the AA Platinum Select early boarding benefit even if I do not use the card to purchase my ticket? Thanks!

    Reply
    1. MileCards.com

      @Don – Yes, it’s tied to your AAdvantage number, so as long as that’s in the reservation you will get it.

      Reply
  33. Chan

    Hello,

    I have opened Gold Card with Delta offers 50000 miles if i spend 2000 dollars in first 3 months. Later i realized compare with Delta AA Advantage card has better visibility, more partnering airlines which suits my requirement. I`m planning to use the Delta card till i reach the bonus eligibility and close it. Then apply for American Advantage card. Is it effect my credit score?

    If there any expire date for applying AA Advantage Platinum card?

    Reply
  34. JR

    If you have the Citi aadvantage platinum card but make your flight purchase through a different credit card wil you still get all the benfits of the card with the priority boarding and free checked bags?

    Reply
    1. MileCards.com

      @JR – Yes, the benefit is tied to your AAdvantage number so if that’s in the reservation you’re good to go.

      Reply
      1. Tamara

        I applied and was approved for the Citi Aadvantage card, but may not receive it before I travel. Opened the account on 05/29/2016. If I am unable to activate the card prior to my trip will I still get the benefits of the card. The trip is on 06/07/16

        Reply
        1. MileCards.com

          @Tamara – Unfortunately you need to have your card account tied to your AAdvantage account 7 days before the trip for the benefits to apply. But you might have luck with a nice agent, but don’t count on it as they rely on the computer system for benefits.

          Reply
  35. syeb

    Hi. First of all I just noticed on the AA home page on the bottom there is a link to the Mastercard that offers 50,000 miles after only $2,000 in spending instead of $3,000. The direct link is:

    http://www.aa.com/i18n/AAdvantage/earnMiles/beyondTravel/creditDebit/citi-platinum.jsp?anchorLocation=HP-Plat1&title=citi

    Next, I have been looking all over for an answer to this question with no luck. Hoping you will change my luck! I currently have a Citi AAdvantage Visa card from 5 years ago or so. Do you think I can apply for the Platinum select Mastercard and be eligible for the 50,000 bonus?

    The fine print says this:

    *50,000 American Airlines AAdvantage® bonus miles can be earned by new Citi® / AAdvantage® Platinum Select® MasterCard® cardmembers approved through this offer. Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,000 in purchases within the first 3 months of account opening. American Airlines AAdvantage® bonus miles are not available if you have had a Citi® / AAdvantage® Platinum Select® Card opened or closed in the past 18 months.

    Reply

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