Citi
Citi® / AAdvantage® Platinum Select® card
Key Features
| Annual Fee | $99.00 |
| Sign-up Bonus | 80,000 AAdvantage miles |
| Rewards Rate | 1x-2x 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 | Balance transfer fee — either $5 or 5% of the amount of each transfer, whichever is greater. Cash advance fee - either $10 or 5% of the amount of each cash advance, whichever is greater. Fee for foreign purchases - 0. Minimum interest charge – $0.50. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. |
| Network | Mastercard |
About this card
The Citi® / AAdvantage® Platinum Select® card receives an overall rating of 3.3, positioning it as a 'Good' card. This rating reflects its strong appeal and significant value within its specific niche of American Airlines frequent flyers, balanced against notable drawbacks in its APR and general utility. **Strengths:** The card truly shines for its target audience. The generous sign-up bonus of 80,000 AAdvantage® miles (Rewards Rating: 3.9) offers exceptional initial value. The card provides highly practical and valuable airline benefits, such as the first checked bag free for the cardholder and up to four companions, preferred boarding, and the ability to earn Loyalty Points towards AAdvantage® status. These perks, combined with no foreign transaction fees, significantly enhance the travel experience for American Airlines passengers. The reputation (Reputation Rating: 4.1) confirms its strong standing among AA loyalists, who find the card's benefits easily outweigh its moderate annual fee. **Weaknesses:** The most significant detractor is the APR (APR Rating: 2.5). The variable APR range of 19.49% to 29.49% is high, and the complete absence of an introductory APR offer means carrying a balance can quickly become expensive. This limits its attractiveness for users who do not consistently pay off their statement in full. While the $99 annual fee is waived for the first year, it is an ongoing cost (Fees Rating: 3.0). Additionally, balance transfer and cash advance fees are also on the higher side. Although the reward rates are competitive in specific categories (AA purchases, dining, gas), the rewards are tied to the American Airlines AAdvantage® program, offering less flexibility than general travel cards with transferable points. **Conclusion:** This card is a strong choice for individuals who frequently fly American Airlines and can leverage its specific travel benefits, especially if they pay their balance in full each month. Its value proposition is highly dependent on how well a user aligns with the AAdvantage® ecosystem. For those outside this niche, or for individuals prone to carrying a balance, there are more compelling options available due to its high APR and focused rewards structure.
Pros & Cons
What's great
- No annual fee for the first year
- Generous sign-up bonus
- High rewards rate in airline, dining, and gas categories
- Airline travel benefits like free checked bags and preferred boarding
- No foreign transaction fees
- Earns points towards airline elite status
Things to consider
- Annual fee applies after the first year
- High regular APR
- No intro APR period
- High balance transfer and cash advance fees
What this card offers
Sign-up bonuses
- Earn 80,000 AAdvantage® bonus miles after $3,500 in purchases in the first 4 months.2
Rewards
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases2
- Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout2
- Earn 2 AAdvantage® miles for every $1 spent at gas stations2
- Earn 1 AAdvantage® mile for every $1 spent on all other purchases2
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.2
- 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.2
- American Airlines flight discount2
- Special Offer: Earn a statement credit on Turo2
- 25% savings on inflight food and beverage purchases2
- No foreign transaction fees
- Shop like a local wherever your travels take you.
- 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
- 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. Visit mastercardidps.idprotectiononline.com to learn more.
- 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
- Add an Authorized User to your account and earn miles on all their purchases.
- 24/7 Customer Service
- To save time and manage your account from anywhere, download the Citi Mobile® App. You can handle most of your banking needs right from your phone, 24/7.
- 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. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.
- 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 pre-sale tickets and exclusive experiences to the year's most anticipated concerts, sporting events and arts and culture experiences. To learn more, visit citientertainment.com.
- Citi® Flex Pay
- Enjoy buy now, pay later flexibility and more. Citi Flex Pay is a convenient way to split eligible purchases of $75 or more into fixed monthly payments and pay over time using your eligible Citi® credit card. No application or credit check needed. Plus, if your card currently earns rewards on purchases, you will continue to do so, just like you're used to.
- 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.
- 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 faster2.
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. Additional limitations, terms and conditions apply. You will be given further information when you apply.