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

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
21.24% ‐ 29.99% (Variable)
Interest Rate: Purchases
21.24% ‐ 29.99% (Variable)
Balance Transfer
21.24% ‐ 29.99% (Variable)
Balance Transfer
21.24% ‐ 29.99% (Variable)
1 - 2 Miles
1 - 2 Miles
Signup Bonus
75000 miles (after spending $3,500)
Signup Bonus
75000 miles (after spending $3,500)

Informr score
The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 29 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...

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,
The Points Guy
The Points Guy

If you need Admirals Club lounge access, this card won't help you. But if you're a casual American Airlines traveler who wants a few elitelike benefits when you fly with the airline, the Citi / AAdvantage Platinum Select Mastercard is one you should consider adding to your wallet. The best time to a...

- Richard Kerr, Danyal Ahmed, The Points Guy

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is good for people who fly with American Airlines but don’t want to pay a big annual fee. It offers 1 - 2 miles per $1 spent on purchases, and the annual fee is $0 intro for the first year and $0 from the second year onward.

- John S Kiernan, WalletHub

This is a cost-effective pick for travelers who fly American Airlines regularly.

- Gregory Karp, Melissa Lambarena, NerdWallet

Whether you should get this card comes down to how frequently you fly American Airlines. You'll earn miles that count toward elite status tiers even when you're spending money on non-travel related expenses. Plus, free checked luggage can save you money, especially for a family of four. You can also...

- Marielle Lee, SlickDeals


Interest Rates
Regular APR Interest Rate 21.24% ‐ 29.99% (Variable)

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

Balance Transfer Interest Rate 21.24% ‐ 29.99% (Variable)

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

Cash Advance Interest Rate 29.99% (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 $41.00


Sign up bonus 75000 miles after spending $3,500

On purchases within the first 4 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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