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$0
Annual Fee
15,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
American AAdvantage
Point Valuation
1.2–1.5 cpp (mid: 1.3)
15,000
Airline
$500
Spend Required
3 months
Time Period
Benefits & Perks
Program & Transfers
North America's largest airline rewards network
American Airlines AAdvantage is one of the world's largest airline loyalty programs, serving over 115 million members with access to the oneworld alliance network. As a founding member of oneworld, AAdvantage miles can be earned and redeemed across 13 partner airlines including British Airways, Cathay Pacific, Qantas, and Qatar Airways. The program uses revenue-based earning for American Airlines flights while maintaining distance-based awards on many partner airlines. American operates the largest commercial airline network globally with major hubs in Dallas-Fort Worth, Charlotte, Phoenix, Philadelphia, Miami, Chicago, Los Angeles, and New York. AAdvantage members earn Loyalty Points toward elite status and can redeem miles for flights, upgrades, hotels, and merchandise. The program offers competitive award pricing and strong availability on both domestic and international routes. American partners with Citi and Barclays for co-branded credit cards that provide accelerated earning, free checked bags, and priority boarding privileges. Premium cardholders gain access to Admirals Club lounges and receive expanded award inventory through preferred pricing.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #102 of 119 |
Although this entry-level co-branded American Airlines card has no annual fee, its limited welcome offer and scarce perks make it less appealing than other airline cards for boosting your mileage and travel benefits.
This entry-level, co-branded American Airlines card is generally not recommended because it offers only a small welcome bonus and few notable perks. Although there is no annual fee, the **15,000-mile bonus** (earned after spending just $500) is minimal, equating to about one round-trip flight since reward flights start at 7,500 miles each way. American Airlines is not a transfer partner of any major credit card issuer, so having a co-branded card can be beneficial during your points and miles journey — but this particular card isn’t the strongest option.
Details & Terms
| Rule | Details |
|---|---|
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Citi 2/65 | You'll be declined if you apply for a third Citi card within 65 days |
| Citi 1/8 | You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Citi 5 Day Rule | You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank). |
| Purchase APR | 19.24%–29.24% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
$0
Annual Fee
15,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
American AAdvantage
Point Valuation
1.2–1.5 cpp (mid: 1.3)
15,000
Airline
$500
Spend Required
3 months
Time Period
Benefits & Perks
Program & Transfers
North America's largest airline rewards network
American Airlines AAdvantage is one of the world's largest airline loyalty programs, serving over 115 million members with access to the oneworld alliance network. As a founding member of oneworld, AAdvantage miles can be earned and redeemed across 13 partner airlines including British Airways, Cathay Pacific, Qantas, and Qatar Airways. The program uses revenue-based earning for American Airlines flights while maintaining distance-based awards on many partner airlines. American operates the largest commercial airline network globally with major hubs in Dallas-Fort Worth, Charlotte, Phoenix, Philadelphia, Miami, Chicago, Los Angeles, and New York. AAdvantage members earn Loyalty Points toward elite status and can redeem miles for flights, upgrades, hotels, and merchandise. The program offers competitive award pricing and strong availability on both domestic and international routes. American partners with Citi and Barclays for co-branded credit cards that provide accelerated earning, free checked bags, and priority boarding privileges. Premium cardholders gain access to Admirals Club lounges and receive expanded award inventory through preferred pricing.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #102 of 119 |
Although this entry-level co-branded American Airlines card has no annual fee, its limited welcome offer and scarce perks make it less appealing than other airline cards for boosting your mileage and travel benefits.
This entry-level, co-branded American Airlines card is generally not recommended because it offers only a small welcome bonus and few notable perks. Although there is no annual fee, the **15,000-mile bonus** (earned after spending just $500) is minimal, equating to about one round-trip flight since reward flights start at 7,500 miles each way. American Airlines is not a transfer partner of any major credit card issuer, so having a co-branded card can be beneficial during your points and miles journey — but this particular card isn’t the strongest option.
Details & Terms
| Rule | Details |
|---|---|
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Citi 2/65 | You'll be declined if you apply for a third Citi card within 65 days |
| Citi 1/8 | You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Citi 5 Day Rule | You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank). |
| Purchase APR | 19.24%–29.24% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
$0
Annual Fee
15,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
American AAdvantage
Point Valuation
1.2–1.5 cpp (mid: 1.3)
15,000
Airline
$500
Spend Required
3 months
Time Period
Benefits & Perks
Program & Transfers
North America's largest airline rewards network
American Airlines AAdvantage is one of the world's largest airline loyalty programs, serving over 115 million members with access to the oneworld alliance network. As a founding member of oneworld, AAdvantage miles can be earned and redeemed across 13 partner airlines including British Airways, Cathay Pacific, Qantas, and Qatar Airways. The program uses revenue-based earning for American Airlines flights while maintaining distance-based awards on many partner airlines. American operates the largest commercial airline network globally with major hubs in Dallas-Fort Worth, Charlotte, Phoenix, Philadelphia, Miami, Chicago, Los Angeles, and New York. AAdvantage members earn Loyalty Points toward elite status and can redeem miles for flights, upgrades, hotels, and merchandise. The program offers competitive award pricing and strong availability on both domestic and international routes. American partners with Citi and Barclays for co-branded credit cards that provide accelerated earning, free checked bags, and priority boarding privileges. Premium cardholders gain access to Admirals Club lounges and receive expanded award inventory through preferred pricing.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #102 of 119 |
Although this entry-level co-branded American Airlines card has no annual fee, its limited welcome offer and scarce perks make it less appealing than other airline cards for boosting your mileage and travel benefits.
This entry-level, co-branded American Airlines card is generally not recommended because it offers only a small welcome bonus and few notable perks. Although there is no annual fee, the **15,000-mile bonus** (earned after spending just $500) is minimal, equating to about one round-trip flight since reward flights start at 7,500 miles each way. American Airlines is not a transfer partner of any major credit card issuer, so having a co-branded card can be beneficial during your points and miles journey — but this particular card isn’t the strongest option.
Details & Terms
| Rule | Details |
|---|---|
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Citi 2/65 | You'll be declined if you apply for a third Citi card within 65 days |
| Citi 1/8 | You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Citi 5 Day Rule | You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank). |
| Purchase APR | 19.24%–29.24% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$101
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Protected against unauthorized charges on your card with Citi's zero liability guarantee.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| US to Australia in Business | 80,000 | — | business | australia_nz |
| Transcontinental US in Business | 21,000 | — | business | united_states |
| US to South America in Economy | 12,000 | — | economy | south_america |
| Domestic US in Economy on a Partner | 12,500 | — | economy | united_states |
| Domestic US in First Class | 16,500 | — | first | united_states |
| US to Europe in Economy | 19,000 | — | economy | europe |
| US to Hawaii in Economy | 20,000 | — | economy | united_states |
| Domestic US in Business | 22,000 | — | business | united_states |
| US to Japan in Economy | 25,000 | — | economy | asia |
| Australia/NZ | 35,000 | — | — | — |
| US to Europe in Business | 57,500 | — | business | europe |
| US to Japan in Business on a Partner | 60,000 | — | business | asia |
| US to Middle East in Business on a Partner | 70,000 | — | business | middle_east |
| US to Japan in First Class on a Partner | 80,000 | — | first | asia |
As an introductory card in the American Airlines family offered by CitiBank, it has a few appealing points:
- **No annual fee**
- 15,000-mile welcome offer after spending $500 in the first three months
- 2x miles at grocery stores and on eligible American Airlines purchases
- 25% savings on in-flight food and drinks on American Airlines flights
American Airlines is part of the Oneworld Alliance, so you can use AAdvantage miles on partner airlines for added flexibility. While it is possible to book American Airlines flights with points from certain partners (e.g., using Chase points via British Airways), a co-branded card such as the MileUp is the only way to book directly with AA miles on American Airlines itself.
Reasons you might avoid this card include:
- The welcome offer is very small, even for a no-annual-fee card.
- You can get a larger sign-up bonus and additional perks from other American Airlines cards, such as the Citi AAdvantage Platinum, which waives its $99 annual fee for the first year.
**American Airlines is a great utility point system.**
- Points are relatively easy to collect, though we don’t love the bank partners or transfer options as much.
- We love direct flights, and American can be a good option for finding those with points.
- Rewards flights start at 5,000 miles each way.
- You can use AA miles to travel with eligible Oneworld partner airlines worldwide.
The MileUp card is the beginner option among Citi’s American Airlines cards. If you’re seeking a larger sign-up bonus or more benefits, you’ll need to explore their other cards, all of which have annual fees. For instance:
- **Citi AAdvantage Platinum:** Has a $99 annual fee (waived the first year) and offers 50,000 miles after $2,500 in purchases within the first three months.
- **Citi AAdvantage Executive:** Comes with a $595 annual fee but offers the highest sign-up bonus of 75,000 miles after $7,000 in purchases within three months. Despite the high fee, it provides significantly more benefits than the Platinum Select.
- **Barclays AAdvantage Aviator Red:** Has a $99 annual fee and a 50,000-mile sign-up bonus after making just one purchase and paying the annual fee. It offers benefits similar to the Citi card with the same annual fee.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| $0 |
The lowest one-way redemption on American is 7,500 miles for domestic U.S. or Canada routes. Partner awards start at 12,500 miles one-way and can offer better value on select international itineraries when availability lines up. Domestic pricing can vary by date and demand.
You can fly to Europe from 25,000 miles one-way in economy or 75,000 in business/first on American. You can find partner redemptions starting at 22,500 in economy or 57,500 in business, but you have to find saver availability. Be careful of high surcharges on certain partners
American has five co-branded cards offered by Citi and Barclays. The Citi AAdvantage Executive offers the highest welcome bonus and premium perks (like lounge access), but it also carries the highest annual fee. "Best" card depends on how often you fly with AA
The Citi AAdvantage Executive includes full Admirals Club membership for the cardholder, immediate family, and two guests. The Citi Strata Elite offers four annual Admirals Club passes as part of its benefits. Both have high $595 annual fees.
Loyalty Points determine your elite status; AAdvantage miles are the currency you use redeem for flights. You generally earn one Loyalty Point per base mile earned—not on credit card welcome bonuses, multipliers, or promotional bonus miles.
Combined Protection Value
$101
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Protected against unauthorized charges on your card with Citi's zero liability guarantee.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| US to Australia in Business | 80,000 | — | business | australia_nz |
| Transcontinental US in Business | 21,000 | — | business | united_states |
| US to South America in Economy | 12,000 | — | economy | south_america |
| Domestic US in Economy on a Partner | 12,500 | — | economy | united_states |
| Domestic US in First Class | 16,500 | — | first | united_states |
| US to Europe in Economy | 19,000 | — | economy | europe |
| US to Hawaii in Economy | 20,000 | — | economy | united_states |
| Domestic US in Business | 22,000 | — | business | united_states |
| US to Japan in Economy | 25,000 | — | economy | asia |
| Australia/NZ | 35,000 | — | — | — |
| US to Europe in Business | 57,500 | — | business | europe |
| US to Japan in Business on a Partner | 60,000 | — | business | asia |
| US to Middle East in Business on a Partner | 70,000 | — | business | middle_east |
| US to Japan in First Class on a Partner | 80,000 | — | first | asia |
As an introductory card in the American Airlines family offered by CitiBank, it has a few appealing points:
- **No annual fee**
- 15,000-mile welcome offer after spending $500 in the first three months
- 2x miles at grocery stores and on eligible American Airlines purchases
- 25% savings on in-flight food and drinks on American Airlines flights
American Airlines is part of the Oneworld Alliance, so you can use AAdvantage miles on partner airlines for added flexibility. While it is possible to book American Airlines flights with points from certain partners (e.g., using Chase points via British Airways), a co-branded card such as the MileUp is the only way to book directly with AA miles on American Airlines itself.
Reasons you might avoid this card include:
- The welcome offer is very small, even for a no-annual-fee card.
- You can get a larger sign-up bonus and additional perks from other American Airlines cards, such as the Citi AAdvantage Platinum, which waives its $99 annual fee for the first year.
**American Airlines is a great utility point system.**
- Points are relatively easy to collect, though we don’t love the bank partners or transfer options as much.
- We love direct flights, and American can be a good option for finding those with points.
- Rewards flights start at 5,000 miles each way.
- You can use AA miles to travel with eligible Oneworld partner airlines worldwide.
The MileUp card is the beginner option among Citi’s American Airlines cards. If you’re seeking a larger sign-up bonus or more benefits, you’ll need to explore their other cards, all of which have annual fees. For instance:
- **Citi AAdvantage Platinum:** Has a $99 annual fee (waived the first year) and offers 50,000 miles after $2,500 in purchases within the first three months.
- **Citi AAdvantage Executive:** Comes with a $595 annual fee but offers the highest sign-up bonus of 75,000 miles after $7,000 in purchases within three months. Despite the high fee, it provides significantly more benefits than the Platinum Select.
- **Barclays AAdvantage Aviator Red:** Has a $99 annual fee and a 50,000-mile sign-up bonus after making just one purchase and paying the annual fee. It offers benefits similar to the Citi card with the same annual fee.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| $0 |
The lowest one-way redemption on American is 7,500 miles for domestic U.S. or Canada routes. Partner awards start at 12,500 miles one-way and can offer better value on select international itineraries when availability lines up. Domestic pricing can vary by date and demand.
You can fly to Europe from 25,000 miles one-way in economy or 75,000 in business/first on American. You can find partner redemptions starting at 22,500 in economy or 57,500 in business, but you have to find saver availability. Be careful of high surcharges on certain partners
American has five co-branded cards offered by Citi and Barclays. The Citi AAdvantage Executive offers the highest welcome bonus and premium perks (like lounge access), but it also carries the highest annual fee. "Best" card depends on how often you fly with AA
The Citi AAdvantage Executive includes full Admirals Club membership for the cardholder, immediate family, and two guests. The Citi Strata Elite offers four annual Admirals Club passes as part of its benefits. Both have high $595 annual fees.
Loyalty Points determine your elite status; AAdvantage miles are the currency you use redeem for flights. You generally earn one Loyalty Point per base mile earned—not on credit card welcome bonuses, multipliers, or promotional bonus miles.
Combined Protection Value
$101
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Protected against unauthorized charges on your card with Citi's zero liability guarantee.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| US to Australia in Business | 80,000 | — | business | australia_nz |
| Transcontinental US in Business | 21,000 | — | business | united_states |
| US to South America in Economy | 12,000 | — | economy | south_america |
| Domestic US in Economy on a Partner | 12,500 | — | economy | united_states |
| Domestic US in First Class | 16,500 | — | first | united_states |
| US to Europe in Economy | 19,000 | — | economy | europe |
| US to Hawaii in Economy | 20,000 | — | economy | united_states |
| Domestic US in Business | 22,000 | — | business | united_states |
| US to Japan in Economy | 25,000 | — | economy | asia |
| Australia/NZ | 35,000 | — | — | — |
| US to Europe in Business | 57,500 | — | business | europe |
| US to Japan in Business on a Partner | 60,000 | — | business | asia |
| US to Middle East in Business on a Partner | 70,000 | — | business | middle_east |
| US to Japan in First Class on a Partner | 80,000 | — | first | asia |
As an introductory card in the American Airlines family offered by CitiBank, it has a few appealing points:
- **No annual fee**
- 15,000-mile welcome offer after spending $500 in the first three months
- 2x miles at grocery stores and on eligible American Airlines purchases
- 25% savings on in-flight food and drinks on American Airlines flights
American Airlines is part of the Oneworld Alliance, so you can use AAdvantage miles on partner airlines for added flexibility. While it is possible to book American Airlines flights with points from certain partners (e.g., using Chase points via British Airways), a co-branded card such as the MileUp is the only way to book directly with AA miles on American Airlines itself.
Reasons you might avoid this card include:
- The welcome offer is very small, even for a no-annual-fee card.
- You can get a larger sign-up bonus and additional perks from other American Airlines cards, such as the Citi AAdvantage Platinum, which waives its $99 annual fee for the first year.
**American Airlines is a great utility point system.**
- Points are relatively easy to collect, though we don’t love the bank partners or transfer options as much.
- We love direct flights, and American can be a good option for finding those with points.
- Rewards flights start at 5,000 miles each way.
- You can use AA miles to travel with eligible Oneworld partner airlines worldwide.
The MileUp card is the beginner option among Citi’s American Airlines cards. If you’re seeking a larger sign-up bonus or more benefits, you’ll need to explore their other cards, all of which have annual fees. For instance:
- **Citi AAdvantage Platinum:** Has a $99 annual fee (waived the first year) and offers 50,000 miles after $2,500 in purchases within the first three months.
- **Citi AAdvantage Executive:** Comes with a $595 annual fee but offers the highest sign-up bonus of 75,000 miles after $7,000 in purchases within three months. Despite the high fee, it provides significantly more benefits than the Platinum Select.
- **Barclays AAdvantage Aviator Red:** Has a $99 annual fee and a 50,000-mile sign-up bonus after making just one purchase and paying the annual fee. It offers benefits similar to the Citi card with the same annual fee.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| $0 |
The lowest one-way redemption on American is 7,500 miles for domestic U.S. or Canada routes. Partner awards start at 12,500 miles one-way and can offer better value on select international itineraries when availability lines up. Domestic pricing can vary by date and demand.
You can fly to Europe from 25,000 miles one-way in economy or 75,000 in business/first on American. You can find partner redemptions starting at 22,500 in economy or 57,500 in business, but you have to find saver availability. Be careful of high surcharges on certain partners
American has five co-branded cards offered by Citi and Barclays. The Citi AAdvantage Executive offers the highest welcome bonus and premium perks (like lounge access), but it also carries the highest annual fee. "Best" card depends on how often you fly with AA
The Citi AAdvantage Executive includes full Admirals Club membership for the cardholder, immediate family, and two guests. The Citi Strata Elite offers four annual Admirals Club passes as part of its benefits. Both have high $595 annual fees.
Loyalty Points determine your elite status; AAdvantage miles are the currency you use redeem for flights. You generally earn one Loyalty Point per base mile earned—not on credit card welcome bonuses, multipliers, or promotional bonus miles.
Get an extra year of warranty coverage on eligible purchases made with your Citi MileUp card.
Get an extra year of warranty coverage on eligible purchases made with your Citi MileUp card.
Get an extra year of warranty coverage on eligible purchases made with your Citi MileUp card.
