Citi
AAdvantage® MileUp® card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 15,000 AAdvantage bonus miles |
| Rewards Rate | 1x-2x AAdvantage miles |
| Regular APR | The standard variable APR for purchases and balance transfers is 19.49% - 29.49%, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 19.49% - 29.49%, based on creditworthiness. The variable APR for cash advances is 29.74%. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. |
| Other Fees | Balance transfer fee Either $5 or 5% of the amount of each transfer, whichever is greater Fee for Foreign Purchases - 3% of the U.S. dollar amount of each purchase. Cash advance fee - either $10 or 5% of the amount of each cash advance, whichever is greater. Minimum interest charge is $0.50. No Authorized User fee |
| Network | Mastercard |
About this card
The AAdvantage® MileUp® card receives a 'Fair' overall rating of 2.6. Its primary appeal lies in the absence of an annual fee, making it an accessible entry point for earning American Airlines AAdvantage miles and Loyalty Points. The card offers a decent 2x miles on American Airlines purchases and at grocery stores, which is competitive for a no-annual-fee product. Cardholders also benefit from a 25% savings on inflight food and beverage purchases on American Airlines flights. However, these positives are significantly weighed down by several critical drawbacks. The card features a very high regular APR (rated 1.5), with no introductory APR offer, making it an expensive option for anyone who carries a balance. Furthermore, for a card associated with travel, the 3% foreign transaction fee is a major disadvantage, limiting its utility for international use. The sign-up bonus is relatively modest compared to other airline cards, and it notably lacks common travel perks such as a free checked bag or priority boarding, which are often found even on cards with a small annual fee. While it serves a niche for infrequent American Airlines flyers who are committed to avoiding annual fees and consistently pay their balance in full, its high interest rates, foreign transaction fees, and limited travel benefits prevent it from achieving a higher rating. It's a basic option that struggles to deliver broad value beyond its no-annual-fee structure.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate on eligible airline purchases and groceries
- Pathway to airline elite status
- In-flight savings
Things to consider
- Foreign transaction fees apply
- High regular APR
- High balance transfer fee
- Limited rewards categories for general spending
What this card offers
Sign-up bonuses
- Earn 15,000 AAdvantage® bonus miles after $500 in purchases in the first 3 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
- No mileage cap on the miles you can earn
- Earn on Authorized User purchases
- 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights.
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases to reach AAdvantage® status faster
- 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.
- No blackout dates Travel when you want. Plan your travel freely with no blackout dates when booking with miles.
- 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.
- Chip-based card technology Chip card technology keeps the same card number but provides you with security and global acceptance.
- 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.
- Citi Mobile® App Manage your money when you want, where you want and the way you want.
- 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.
- 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® 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 card is offered. American Airlines AAdvantage® new cardmember bonus offer not available if you have received a new account bonus for an AAdvantage® MileUp® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into an AAdvantage® MileUp® account.