American Airlines Personal Card Comparison
The Citibank American Airlines family of cards, like most other co-branded airline cards, aren’t typically viewed as high value or long-term keeper cards. At ToP, we much more prefer cards that earn transferrable currencies like Chase Ultimate Rewards or Amex Membership Rewards. But depending on the situation, airline credit cards can make sense. Citi’s AA cards each compliment one another and make for a good combination for frequent AA flyers and may be worth considering. In these American Airlines Personal Card Comparison and review we will look at the welcome offer, card perks, earning structure and share our overall thoughts for each card.
Current Welcome Offers
We will break down the welcome offers in our American Airlines personal card comparison:
American Airlines AAdvantage® MileUp®
- Earn 10,000 American Airlines miles and a $50 statement credit after spending $500 within the first 3 months of account opening.
- This card has no annual fee.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Earn 50,000 American Airlines miles after spending $2,500 within the first 3 months of account opening.
- This card has an annual fee of $99, which is waived for the first 12 months.
Citi® / AAdvantage® Executive World Elite Mastercard®
- Earn 50,000 American Airlines miles after spending $5,000 within the first 3 months of account opening.
- This card has an annual fee of $450. The fee is NOT waived the first year.
This is the highest bonus we have seen on the Executive card in a very long time, which was 100,000 miles years ago. The Mile Up card has had a stagnant welcome offer for quite some time. The Platinum Select welcome offer is often 60,000 or more and has even been as high as 75,000. It may be best to wait for a better offer if you don’t need the miles right away.
Citi Application Rules
If you choose to apply for any of these cards, remember that Citi has a few application rules to keep in mind.
- Citi will not approve you for more than one card every 8 days, and 2 cards every 65 days.
- Also, if you earned a welcome offer for a particular Citi American Airlines card, you cannot earn a bonus for that same card for 48 months.
- However, you can still earn a sign-up bonus for another Citi American Airlines card. Citi considers each of these cards a separate product.
American Airlines Personal Card Comparison: Earning Structure
Here is the earning rates for each card:
American Airlines AAdvantage® MileUp®
- 2x miles per dollar on American Airlines purchases
- 2x miles per dollar at grocery stores, including grocery delivery services
- 1x on all other purchases
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- 2x miles per dollar on the following
- American Airlines purchases
- Gas stations
- Restaurants
- 1x miles per dollar on everything else
Citi® / AAdvantage® Executive World Elite Mastercard®
- 2x miles per dollar on American Airlines purchases
- 1x on all other purchases
Card Benefits
The benefits and perks vary greatly among the three AA personal cards. Let’s take a look at each:
American Airlines AAdvantage® MileUp®
- 25% savings on AA inflight food and beverage purchases when you use your card
- The card has no annual fee as mentioned above
- Earn 1 loyalty point towards American Airlines status for every 1 eligible AAdvantage® mile earned from purchases.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- First checked bag free on domestic itineraries for the cardholder and up to 4 companions on the same reservation
- Preferred boarding
- $125 AA flight discount after spending $20,000 or more during your card membership year and renewing your card
- No foreign transaction fees
- Earn 1 loyalty point towards American Airlines status for every 1 eligible AAdvantage® mile earned from purchases.
Citi® / AAdvantage® Executive World Elite Mastercard®
- Admirals Club membership, with access for you and your immediate family (or up to 2 traveling guests)
- Each authorized user gets this access too, you can add up to 10 authorized users
- Earn 10,000 additional Loyalty Points after you spend $40,000 in purchases during the qualifying status year.
- Priority check-in, airport screening, and boarding when flying AA
- First checked bag free on domestic AA itineraries for the cardholder and up to 8 companions on the same reservation
- $100 statement credit for Global Entry or TSA PreCheck every 5 years
- No foreign transaction fees
- Earn 1 loyalty point towards American Airlines status for every 1 eligible AAdvantage® mile earned from purchases.
This is where the cards can really stand out depending on how highly you value some of the perks. The free checked bags for you plus up to 4 passengers can easily offset the annual fee on the Platinum Select if you can use it.
The Admirals Club membership that comes with the Executive card can be extremely valuable for frequent American flyers too. It allows the cardholder and up to two guests or immediate family access into the lounges as well. The best part about it is that all authorized users get the benefit and you’re allowed 10 authorized users per account at no charge. If you have trusted family members or friends that could use that benefit, adding authorized users and could be an easy way to share the cost of the hefty $450 annual fee.
ToP Analysis
Citi’s American Airlines personal cards generally serve two different purposes: earning AA miles or providing perks for AA flyers. AAdvantage miles are pretty difficult to earn, since American is not a transfer partner with any of of the major banks. That means if you are a frequent American flyer, or a hub captive, having at least one of these cards would make sense.
Some Decent Earning Options
For earning, the the MileUp card and the Platinum Select card are your best options. The MileUp earns 2x at grocery stores, and the Platinum Select earns 2x at gas stations and restaurants. Depending on your spending patterns, either, or both, of these cards would make sense. It’s interesting that the Executive card does not earn bonus miles on anything other than AA purchases, despite having the highest annual fee of the 3 cards.
Useful For Chasing Status
Under American’s AAdvantage loyalty program, members can earn elite status solely by earning Loyalty Points. Each AAdvantage mile earned via credit card spend is equal to one Loyalty Point. So if you earn 10,000 miles from a purchase through an American Airlines card, you will also earn 10,000 Loyalty Points. Unfortunately, miles earned through credit card sign-up bonuses do not count towards Loyalty Points. This all makes AA cards even more important for those getting elite status.
Executive Card’s Perks Stand Out
On the benefits side, the Executive card shines. Admirals Club membership alone more than offsets the card’s $450 annual fee. Individual membership cost ranges from $650 to $550 per year, depending on your AA elite status. Household membership ranges from $1,250 to $1,150 per year. The card’s other benefits are also pretty good. Free checked bag on domestic flights for up to eight companions on the same reservation is quite generous. And priority check-in, airport screening, and boarding can all be helpful, especially for families. In fact, these benefits all make the Executive card one of the most family-friendly airline cards in the market.
Another incredible perk of the Executive card is that you can add up to 10 authorized users at no additional cost. And each authorized user receives their own Admirals Club access! However, Admirals Club access differs from membership. Authorized users must present their authorized user card to access the lounge and must be flying AA or a OneWorld partner the same day to access the lounges. Authorized users cannot access partner lounges, such as Alaska lounges, but they can bring immediate family.
Perks For The Other Cards
The Platinum Select card’s benefits are much more limited, but still helpful for AA flyers. Free checked bag and priority boarding is sure to make most flyers’ lives easier. A $125 discount after spending $20,000 is a pretty bad deal. Compare this to hotel cards like the Chase World of Hyatt or the Amex Hilton Surpass, which give you a free night certificate after spending $15,000. Those free night certs are worth a lot more than $125.
Lastly, the MileUp card’s only benefit is 25% off in inflight purchases. Even for a no-annual fee card, this is pretty limited. Basically, the MileUp card is worthy for those looking to earn AA miles through grocery spend.
American Airlines Personal Card Comparison: ToP Thoughts
Each one of the Citi American Airlines cards have their own merit. The MileUp is the card for those looking to earn AA miles through credit card spend without paying an annual fee. The Platinum Select card offers a good mid-point. It provides a couple of helpful benefits that offset the $99 annual fee while also having a compelling earning structure. The Executive card is one of the most family-friendly cards on the market. Admirals Club membership for the primary cardholder and Admirals Club access for up to 10 authorized users is a phenomenal benefit that more than covers the $450 annual fee. Frequent AA flyers can surely benefit from each of these cards.
Which of these Citi AA cards is most appealing to you? Come share your thoughts in our Facebook group!
