Citi
Citi® / AAdvantage® Platinum Select® card
Key Features
| Annual Fee | $99.00 |
| Sign-up Bonus | 50,000 AAdvantage bonus miles |
| Rewards Rate | 1-2 AAdvantage miles |
| Regular APR | The 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 | Annual fee - $99, waived for the first 12 months. Fee for foreign purchases - 0. Cash advance fee - either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee — either $5 or 5% of the amount of each transfer, whichever is greater. Minimum interest charge – $0.50. |
| Network | Mastercard |
About this card
Considering the individual ratings, the reputation analysis, and the card's target audience, the Citi® / AAdvantage® Platinum Select® card receives an overall rating of 3.3. It's a good card for a specific niche: frequent flyers on American Airlines. The rewards program, while not exceptional for general spending, offers solid value in the form of miles on AA purchases, dining, and gas, plus a generous sign-up bonus. The airline perks (free checked bag, preferred boarding) are valuable to those who use them regularly. However, the high APR range and the annual fee (after the first year) are drawbacks that prevent a higher rating. The card's value proposition is very dependent on the user's travel habits with American Airlines. If someone doesn't fly AA often, the benefits are less compelling, and there are better general travel rewards cards available. The reputation is generally positive and stable, which is reflected in the overall rating. Strengths: * Generous sign-up bonus * Valuable airline perks for AA flyers (free checked bag, preferred boarding) * No foreign transaction fees Weaknesses: * High APR range * Annual fee (waived first year) * Rewards program less compelling for non-AA spending
Pros & Cons
What's great
- Generous sign-up bonus
- Airline perks
- No foreign transaction fees
- Rewards on gas and dining purchases
Things to consider
- Annual fee
- High regular APR
What this card offers
Sign-up bonuses
- Earn 50,000 AAdvantage® bonus miles after $2,500 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 every $1 spent at restaurants, including takeout
- Earn 2 AAdvantage® miles for every $1 spent at gas stations
- Earn 1 AAdvantage® mile for every $1 spent on all other purchases
Other features
- First checked bag free on domestic American Airlines itineraries
- Your first checked bag is free on domestic American Airlines itineraries for you and up to 4 companions traveling with you on the same reservation.
- Preferred boarding
- Enjoy preferred boarding on American Airlines flights for you and up to 4 companions traveling with you on the same reservation. Find your seat sooner and get early access to overhead bins.
- American Airlines flight discount
- Special Offer: Earn a statement credit on Turo
- 25% savings on inflight food and beverage purchases
- No foreign transaction fees
- No blackout dates
- Travel when you want. Plan your travel freely with no blackout dates when booking with miles.
- Add Authorized Users
- Earn AAdvantage® miles on purchases made by Authorized Users.
- Citi® Quick Lock
- 24-hour fraud protection
- Mastercard® ID Theft Protection
- Chip-based card technology
- Automatic account alerts
- Choose your payment due date
- Paperless statements and e-communications
- Add an Authorized User
- 24/7 Customer Service
- Citi Mobile® App
- Contactless pay
- Digital wallets
- Access FICO® Score
- Citi Entertainment®
- Citi® Flex Pay
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 a Citi® / AAdvantage® Platinum Select® 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 a Citi® / AAdvantage® Platinum Select® account. New card members only. Subject to credit approval.