Citi
AAdvantage® MileUp® card
TravelNo Annual FeeAirlineGroceryExcellent Credit
Key Features
| Annual Fee | $0.00 |
| Regular APR | Variable APR % - % for purchases and balance transfers based on your creditworthiness The standard variable APR for purchases and balance transfers is % - %, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is % - %, based on creditworthiness. The variable APR for cash advances is %. The variable Penalty APR is up to % and may be applied if you make a late payment or make a payment that is returned. |
| Other Fees | No Authorized User fee Balance transfer fee - either $ or % of the amount of each transfer, whichever is greater. Fee for Foreign Purchases - % of the U.S. dollar amount of each purchase. Cash advance fee - either $ or % of the amount of each cash advance, whichever is greater. Minimum interest charge is $. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. |
| Network | Mastercard |
Read the full review
Best for those with
Good Credit
About this card
The AAdvantage® MileUp® card is a very basic airline card that earns a 2.6 overall rating. Its main strength is the lack of an annual fee, which makes it accessible to a wide range of users. The rewards program is decent, offering 2x miles on American Airlines purchases and at grocery stores, but the low 1x mile earn rate on all other purchases and the lack of travel perks (like free checked bags) limit its value. The high APR and foreign transaction fees are significant drawbacks, especially for a travel-oriented card. Citi's reputation as a large, stable issuer is a plus, but customer service issues are a concern. Overall, this card is best suited for infrequent American Airlines flyers who want to earn miles without paying an annual fee and who pay their balance in full each month to avoid high interest charges. It is not a strong option for frequent travelers or those who carry a balance.
2.6
Overall Rating
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Rewards on American Airlines purchases
- Rewards at grocery stores
Things to consider
- High regular APR
- Foreign transaction fees apply
What this card offers
Sign-up bonuses
- Earn AAdvantage® bonus miles after $ in purchases in the first months
Rewards
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 1 AAdvantage® mile for every $1 spent on all other purchases
Other features
- Earn on Authorized User purchases
- Earn AAdvantage® miles faster with purchases made on Authorized User cards added to your account.
- 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights.
- No mileage cap
- There is no maximum number of American Airlines AAdvantage® miles that you can accumulate with your card.
- AAdvantage® miles
- Earn AAdvantage® miles on eligible purchases.
- Loyalty Points
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases to reach AAdvantage® status faster.
- AAdvantage® miles
- Use your AAdvantage® miles for flights to nearly 1,100 destinations worldwide on American Airlines, oneworld and partner airlines. Miles can also be redeemed for seat upgrades, car rentals, hotel stays, vacation packages and more.
- Loyalty Points
- Earn Loyalty Points toward status when you use your card for purchases. Status members have access to even more exclusive perks designed to enhance their travel experience. Enjoy complimentary premium cabin upgrades, complimentary Main Cabin Extra and Preferred Seats and same-day standby priority. Benefits vary by status tier.
- Add Authorized Users
- Earn AAdvantage® miles on purchases made by Authorized Users.
- No blackout dates
- Travel when you want. Plan your travel freely with no blackout dates when booking with miles.
- Chip-based card technology
- Chip card technology keeps the same card number but provides you with security and global acceptance.
- Citi Quick Lock
- Misplaced your card? Use Citi Quick Lock in the Citi Mobile App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
- 24-hour fraud protection
- Citi will alert you if we see unusual activity on your account.
- Mastercard ID Theft Protection
- The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins.
- Automatic account alerts
- Stay updated on balance, payments and credit limits via email or text.
- Choose your payment due date
- Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
- Paperless statements and e-communications
- Reduce clutter and get your statements and most legal notices online instead of in the mail.
- Add an Authorized User
- Earn more AAdvantage® miles with purchases made on Authorized User cards added to your account at no additional charge.
- 24/7 Customer Service
- Questions about your Citi card account? Just call the number on the back of your credit card. Just say "representative" to access fast, live help from a friendly Customer Service representative ready to help with virtually every aspect of your card membership (including technical assistance) — 24 hours a day, 365 days a year.
- Citi Mobile App
- Manage your money when you want, where you want and the way you want. It's how Citi digital services help you get the most out of your time and money.
- Contactless pay
- Shop safely with a contactless, chip-enabled card. Just tap your card on the payment reader and go in seconds.
- Digital wallets
- Digital wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets, you can speed through checkout and continue to enjoy all the great benefits that come with your card.
- Access FICO® Score
- Receive free access to your FICO® Score online to review your credit history.
- Citi Entertainment®
- Citi Entertainment® is an entertainment access program available to eligible Citi credit card and Citibank Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences.
- Citi® Flex Pay
- Buy now, pay later with Citi® Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.
Additional Notes
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the cards are offered. American Airlines AAdvantage® new cardmember bonus offer not available if you have received a new account bonus for or converted another Citi credit card account to an AAdvantage® MileUp® account in the past 48 months. New card members only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.
Ratings
3.5
2.8
2.5
1.5
3