AAdvantage® Aviator® Red World Elite Mastercard® review: Accessible rewards and solid traveler benefits
“As American Airlines shifts to a ‘Loyalty Points’ system for earning status, the AAdvantage Aviator Red World Elite Mastercard is now a very important tool for AA loyalists.” – Stephanie Zito
Why you can trust Bankrate
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:
- Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
- Consistently provide up-to-date, reliable market information so you\'re well-equipped to make confident decisions.
- Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How We Make Money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
AAdvantage Aviator Red World Elite Mastercard Card Overview
The AAdvantage Aviator Red World Elite Mastercard’s generous (and easy-to-earn) welcome bonus makes it an attractive card for just about anyone who travels with American Airlines. You’ll earn miles on all your spending, including 2X miles on eligible American Airlines purchases, so you can quickly put those miles toward flights to destinations around the globe. This American Airlines credit card also comes with handy perks that would benefit people who fly the airline at least a couple of times a year.
What are the pros and cons?
- The $99 annual fee is high for a card that only earns 1X miles on everyday purchases.
- The annual fee is not waived the first year nor is there an introductory $0 annual fee.
- The only category that earns elevated AAdvantage miles is American Airlines purchases, making it difficult to boost earning potential.
A deeper look into the current card offer
- Rewards rate: 2X miles per dollar spent on eligible American Airlines purchases and 1X miles on all other purchases
- Welcome offer: 50,000 AAdvantage miles after making one purchase and paying the annual card fee in full within the first 90 days
- Annual fee: $99
- Purchase intro APR: None
- Balance transfer intro APR: 0 percent for 15 billing cycles for transfers made in the first 45 days
- Regular APR: 15.99 percent, 19.99 percent or 24.99 percent variable
Current welcome bonus
Earning 50,000 AAdvantage bonus miles couldn’t be easier—just pay your $99 annual fee in full and make a purchase on your AAdvantage Aviator Red World Elite Mastercard within the first 90 days of opening your account. This offer is incredibly generous since even the best airline credit cards on the market require a spending minimum (usually around $2,000) for a comparable number of bonus points or miles.
While there are certainly larger welcome offers around, this one is a top pick because it’s rather easy to earn. And keep in mind, too, that a domestic round-trip award flight with American Airlines can cost as little as 25,000 miles—so this bonus could, in fact, be enough for two domestic round-trip flights if you’re flexible with your travel plans and smart about your redemptions.
You can earn unlimited AAdvantage miles, but be aware they will expire if you don’t keep your account active. Make a purchase with your AAdvantage Aviator Red World Elite Mastercard at least once every 18 months, or fly with American Airlines to keep your miles.
As with other co-branded airline credit cards, you’ll earn miles faster by traveling with the airline. Flying American Airlines Purchasing American Airlines tickets will get you 2X AAdvantage miles, but you’ll also earn 1X miles on all other purchases.
Frequent American flyers who spend at least $20,000 on the card each year will also earn an annual Anniversary Companion Certificate. With it, someone can travel with you for just $99 (plus taxes and fees) as long as your account remains open for 45 days after your anniversary date.
American Airlines is part of the oneworld®Alliance, and the AAdvantage Program currently has 18 partner airlines, so you can redeem miles with a number of carriers. You can redeem your miles online or over the phone. You can also gift or transfer miles for a fee.
How much are miles worth?
According to The Points Guy’s most recent points and miles valuations, an AAdvantage mile is worth around 1.77 cents as of April 2022. Depending on how you redeem your welcome offer, those 50,000 AAdvantage miles (when you pay your $99 annual fee in full and make a purchase on your card within the first 90 days) could be worth approximately $700.
Other cardholder perks
American Airlines flyers will love the benefits this card offers, which will make traveling with the airline easier and less expensive when flying American Airlines.
First checked bag free
You and up to four companions on the same reservation can enjoy one checked bag for free on select domestic American Airlines flights.
You and up to four companions are also eligible to receive preferred boardings on all American Airlines flights.
You can get $25 back in statement credits every year for in-flight Wi-Fi purchases on American Airlines, plus save 25 percent on food and beverage purchases on American Airlines flights.
No foreign transaction fees
You won’t have to pay the standard 3 percent charge on foreign transactions when making purchases overseas with this card.
You can fast track your AAdvantage miles by rounding up purchases to the nearest dollar.
Protection and insurance
By paying for your trip with this card, you could enjoy a host of travel protections, such as trip cancellation and interruption insurance, baggage delay insurance, travel accident insurance and collision and theft insurance on rental cars.
Earn American Airlines status with your spending
Anniversary Companion Certificate
If you spend at least $20,000 on your card and your account remains open for 45 days after your anniversary date, you can receive a Companion Certificate for $99 (plus taxes and fees), which you can use for a domestic economy fare.
Rates and fees
The AAdvantage Aviator Red World Elite Mastercard has an annual fee of $99, but there are no foreign transaction fees. The late payment fee is up to $40.
Travel rewards credit cards don’t often come with introductory APR offers, which makes the AAdvantage Aviator Red World Elite Mastercard even more appealing. You can take advantage of an intro 0 percent APR for 15 billing cycles on balance transfers made within the first 45 days. There’s a balance transfer fee of either $5 or 3 percent of the transfer amount, whichever is greater.
A variable APR of either 15.99 percent, 19.99 percent or 24.99 percent will apply after the introductory period for balance transfers ends.
How the AAdvantage Aviator Red World Elite Mastercard compares to other airline credit cards
Compared to other co-branded airline cards, the AAdvantage Aviator Red World Elite Mastercard’s rewards earning potential is fairly limited. For example, both the Delta SkyMiles® Gold American Express Card and Citi® AAdvantage® Platinum Select® World Elite™ Mastercard® allow you to earn bonus miles on everyday spending in addition to airline purchases.
AAdvantage Aviator Red World Elite Mastercard vs. Delta SkyMiles Gold American Express Card
If Delta has a hub near you and you use the airline more frequently, the Delta SkyMiles Gold American Express Card will likely be a better fit for you. The Delta SkyMiles card—like the AAdvantage Aviator Red card—offers similar benefits for cardholders, but there’s far less flexibility for earning points with the AAdvantage Aviator card. AAdvantage Aviator cardholders will earn 2X miles for all American Airlines purchases and 1X points or miles for everything else. On the other hand, the Delta SkyMiles Gold card earns 2X miles on dining (including takeout and delivery) and 1X miles for everything else, so foodies will definitely get more out of this card.
Delta SkyMiles cardholders will also see some savings in the first year that AAdvantage Aviator cardholders won’t. While AAdvantage cardholders are obligated to pay the $99 annual fee for their first year, Delta SkyMiles cardholders will have their first annual fee waived. Additionally, the welcome bonus will be much more difficult to achieve for Delta SkyMiles cardholders. They’ll have to spend $2,000 in purchases in the first six months to earn 40,000 bonus miles. The AAdvantage bonus is only 50,000 (valued at about $700), but you only have to make one purchase on the card and pay the $99 annual fee within the first 90 days to receive the welcome offer.
The Delta SkyMiles card might be a hindrance when traveling overseas. American Express cards aren’t as widely accepted as their Mastercard counterparts. Travelers—especially international travelers—should keep this in mind when weighing the two options.
The AAdvantage Aviator Red World Elite Mastercard vs. the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
The Citi AAdvantage Platinum Select World Elite Mastercard is another American Airlines credit card partner that can be beneficial for American Airlines flyers. AAdvantage Platinum cardholders will get similar benefits when flying with American Airlines, like free checked bags and preferred boarding. But the Citi AAdvantage waives the annual fee in the first year and charges a $99 annual fee each year after.
Where the Citi AAdvantage truly pulls ahead is its potential to earn elevated rewards in categories outside of American Airlines purchases. Citi AAdvantage cardholders earn 2X miles on eligible American Airlines purchases, but it also earns the same rate at restaurants and gas stations. This separates it from the AAdvantage Aviator, which only earns 2X miles on American Airlines purchases and 1X miles for all other purchases.
The AAdvantage Aviator may be the suitable choice for earning frequent flyer miles and spend less to earn their welcome bonus. Citi AAdvantage cardholders will have to spend $2,500 in the first 90 days of account opening to earn 50,000 American Airlines AAdvantage miles.
Best cards to pair with the AAdvantage Aviator Red World Elite Mastercard
To build AAdvantage miles rewards faster, you could pair this card with another American Airlines credit card. For example, the aforementioned Citi/AAdvantage Platinum Select World Elite Mastercard earns 2 miles at restaurants and gas stations, in addition to airline purchases.
If you want more versatile travel rewards, the Discover it® Miles is a fantastic alternative because it gives you 1.5 miles per dollar spent on all purchases, and you can use miles accumulated to offset recent travel expenses or even receive cash back.
Bankrate’s Take—Is the AAdvantage Aviator Red World Elite Mastercard worth it?
If you love flying with American Airlines and travel at least a couple of times a year, then this card could be a great fit. Although there’s a $99 annual fee, you can easily make this back with the checked-bag benefit. And the ability to earn a Companion Certificate each year is excellent for couples or family members who often travel together.
For rates and fees of the Delta SkyMiles® Gold American Express Card, please click here.
All information about the AAdvantage® Aviator® Red World Elite Mastercard®, Citi® AAdvantage® Platinum Select® World Elite™ Mastercard® has been collected independently by Bankrate and has not been reviewed or approved by the issuer.