Who should get this card?
This card earns 1 AAdvantage mile per dollar you spend, and 2 AAdvantage miles per dollar you spend with American Airlines.
You’ll find the $95 annual fee on the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® worth it if you….
1. Already have some American miles. Topping off miles you might already have is the most valuable thing you can do with your card spending.
There aren’t many cards that earn real American Airlines AAdvantage miles (others are listed here), so if you have a balance to work with this is the place to start.
2. Can charge more than $800 a month on the card. We think American miles are worth about 1 to 2 cents each for most people, so if you earn 9,500 miles a year from the card you’ll earn back the annual fee in value. That only requires about $800 a month in charges on the card.
3. Check a bag on 2 trips a year. For domestic flights, the first checked bag costs $25 each way. So if you fly 2 roundtrips on American a year, you’ll save at least $100 in bag fees by holding this card.
How fast will you earn a trip?
With an intro bonus of at least 30,000 miles on the Citi® / AAdvantage® Platinum Select® Mastercard®, here’s how fast you’ll earn some awards if you’re starting from scratch, based on your typical monthly spending:
$2,000 / month
$1,000 / month
Where can you go with the miles?
You can use the miles from this card to fly on American, US Airways, and over a dozen airlines including all of these:
American miles can get you all over the world and the United States (you can see what American charges here), but some of the best values with American miles include:
25,000 miles for domestic flights. These ‘MileSAAver’ awards aren’t available every day or on every flight, but you’ll probably have decent luck finding them available about half the time. You need to be flexible, but if you are you can save hundreds on airfare.
40,000 miles to Europe and other off peak deals. American has ‘off peak’ awards to Europe and other places at special prices, so if you travel within these dates you’ll get a special price on any flight to these regions, even with American’s partners:
Business class to Asia for 110,000 miles roundtrip or less. You won’t find a better deal than this for the big seat to Asia. American charges less than Delta or United for these flights, and you can fly American, Cathay Pacific, Japan Airlines, or Malaysia Airlines to get you to and through Asia. These seats often sell for $5,000 or more, so it’s a great deal if you save up.
Australia for 75,000 miles roundtrip. Tickets to Australia can set you back $2,000 from the United States, so using just 75,000 miles to fly on Qantas, the airline with the most flights to Australia, is a great deal.
What are the other travel benefits?
The Citi® / AAdvantage® Platinum Select® Mastercard® offers some helpful travel insurance features, including:
Trip Cancellation Insurance. If you purchase a trip with your card (including airline tickets and cruise ship tickets) and can’t make the trip for some big reasons, you’ll get reimbursed up to $1,500 per person for things that can’t be refunded.
The big reasons include…
These benefits apply to you, your spouse, and your dependents, or any authorized user of your card, as long as the tickets are paid in full with the card. Unfortunately mileage award tickets don’t qualify for coverage.
$50,000 Car Rental Collision Coverage. Unlike some other cards, you get collision coverage in every country around the world. No exclusions. And it’s good for vehicles worth up to $50,000, so unless you get upgraded to a premium or luxury car you should be covered. Feel free the decline your car rental company’s collision coverage when you reserve and purchase your rental with this card.
But remember, personal liability (for if you harm other people or property) is not covered by this or any other credit card. Check your own auto policy for that coverage.
Are there other cards that earn American AAdvantage miles?
Yes, there are a few others that earn AAdvantage miles:
Citi AAdvantage Gold Mastercard.
This has a lower $50 annual fee, but doesn’t offer the free checked bag or priority boarding. So if you want to earn American miles and don’t care about those benefits, go for it. But you’ll also lose out with a smaller introductory bonus.
A better strategy is to get the full Platinum Select Mastercard with a $95 annual fee to earn the bonus, then after a year downgrade it to the Gold with a lower fee.
Citi Executive AAdvantage Mastercard.
This has a hefty $450 annual fee, and that’s because it offers access to all American Admirals Clubs worldwide and lets you earn up to 10,000 miles toward earning elite status each year.
It also lets any authorized users you add to the card access Admirals Clubs even when you’re not flying with them. And adding authorized users is free.
Starwood Preferred Guest American Express.
This card earns hotel points called Starwood points. What’s cool about them is they can be transferred at full value into your American AAdvantage account at any time.
You also have the flexibility to transfer them to other airlines like Delta, Alaska, and more.
Even better, every 20,000 points you transfer earns a 5,000 mile bonus, so this card effectively earns 1.25x miles per dollar you spend. And you can use the points to book free hotel nights at Sheraton, Westin, W, Four Points, Le Meridien, St. Regis, and other hotels.
You can compare all the cards that can earn AAdvantage miles here using our CardFinder comparison charts to see exactly how many miles you’ll earn.
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Or, consider other cards for 50,000 more miles or points that transfer into United miles with additional flexibility for your everyday spending.
Earn 60,000 bonus points after spending $1,000 on purchases within the first three months of account opening.
$1,000 toward travel or transfer to United, Southwest, and more.