Citi
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Key Features
| Regular APR | The 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 | 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. Minimum interest charge – $. Fee for foreign purchases - . Cash advance fee - either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater. |
| Network | Mastercard |
About this card
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a decent card, particularly for frequent American Airlines flyers, meriting an overall rating of 3.1. The card's strengths lie in its airline-specific perks like free checked bags and preferred boarding, which offer tangible value to its target audience. The sign-up bonus also provides a good initial boost. However, its weaknesses include a high APR, mediocre rewards earning rates on everyday purchases, and limited flexibility in redemption options. The $99 annual fee is reasonable for those who utilize the airline benefits, but it may not be worthwhile for infrequent AA travelers. Citi's solid reputation as an issuer adds credibility to the card. Ultimately, the card's value proposition is niche, making it a good choice for loyal American Airlines customers but less appealing as a general-purpose rewards card.
Pros & Cons
What's great
- Generous sign-up bonus
- No foreign transaction fees
- Rewards on American Airlines purchases
- Rewards at restaurants and gas stations
- First checked bag free on domestic American Airlines itineraries
- Preferred boarding on American Airlines flights
Things to consider
- High regular APR
- Balance transfer fee
- Cash advance fee
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 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 for you and up to 4 companions traveling with you on the same reservation.
- 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
- Add 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 cards are offered. American Airlines AAdvantage® new cardmember bonus offer not available if you received a new account bonus for or if you converted another Citi credit card account on which you earned a new account bonus into a Citi® / AAdvantage® Platinum Select® account in the last 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. Apply by phone: 1-800-514-8501 TTY: Use 711 or other Relay Service.