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Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
16.74% ‐ 25.74% (Variable)
Interest Rate: Purchases
16.74% ‐ 25.74% (Variable)
Balance Transfer
16.74% ‐ 25.74% (Variable)
Balance Transfer
16.74% ‐ 25.74% (Variable)
1 - 2 Miles
1 - 2 Miles
Signup Bonus
50000 miles (after spending $2,500)
Signup Bonus
50000 miles (after spending $2,500)

Informr score
The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® currently has an Informr score of 8 out of 10. This score is based on our evaluation of 28 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

One Mile at a Time
One Mile at a Time

The Citi AAdvantage Platinum Card offers a good welcome bonus with an annual fee that’s waived for the first year. The card also offers some potentially valuable perks, like a first checked bag free on American itineraries, which can quickly cover the annual fee. Furthermore, new as of 2022, spendin...

- Ben Schlappig, One Mile at a Time

If you fly with American Airlines, it makes sense to pick up the AAdvantage Platinum Select card. Not only can you earn a big initial sign-up bonus, but you can also earn miles for each dollar you spend on the card. Still, it can make sense to compare this card to other airline credit cards as well...

- Holly Johnson,
Business Insider
Business Insider

It is an excellent choice for people who like to fly American Airlines and earn miles in the AAdvantage loyalty program. The annual fee is $99, waived for first 12 months, so for the first year it doesn't cost anything to have the card — but even after that, the value you'll get from the card's perk...

- Jasmin Baron, Business Insider

The Citi / AAdvantage Platinum Select World Elite MasterCard comes with money-saving travel extras like priority boarding and discounts on in-flight purchases. Travelers who head to destinations outside the U.S. will appreciate the lack of a foreign transaction fee.

- Rebecca Lake, MyBankTracker
The Balance
The Balance

Offers several ways for American Airlines fans to earn high-value miles. You don’t have to spend a ton to earn a big bonus, either. This card charges an annual fee, but you can make up the cost if you take advantage of the free checked bag benefit on a couple of round-trip flights per year.

- Sienna Wrenn, Elisabeth Christopherson, The Balance


Interest Rates
Regular APR Interest Rate 16.74% ‐ 25.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.74% ‐ 25.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $99.00

Waived on the first year.

Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 50000 miles after spending $2,500

On purchases within the first 3 months.

All Purchases 1 mile for $1 spent
Restaurants 2 miles for $1 spent
Gas 2 miles for $1 spent
Groceries No
Hotels No
Travel 2 miles for $1 spent

On eligible American Airlines purchases.

Pharmacy No
Bills No
Additional Details
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card.
  • Earn 10% of your redeemed AAdvantage miles back
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • First checked bag free for you and up to four people traveling with you on American Airlines itineraries
  • Preferred boarding
  • 25% Inflight Savings
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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