American Airlines AAdvantage MileUp℠ Card review

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Excellent (740 - 850)

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Annual Fee:
$0
Purchase Intro APR:
N/A
Regular APR:
15.99% - 24.99% (Variable)
Terms and Restrictions Apply

Bankrate Rating

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The information about the American Airlines AAdvantage MileUpSM Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Best for frequent flyer miles with no annual fee

  • Rewards rate: 2 AAdvantage miles per dollar on grocery stores and eligible American Airlines purchases; 1 mile per dollar on other purchases
  • Welcome offer: 10,000 bonus miles and $50 statement credit after spending $500 on purchases within the first three months
  • Annual fee: $0
  • Purchase intro APR: N/A
  • Balance transfer Intro APR: N/A
  • Regular APR: 15.99 percent to 24.99 percent variable

The Citi American Airlines AAdvantage MileUpSM Card is ideal for cardholders new to the travel rewards universe. With no annual fee, a solid welcome offer and an easy rewards earning structure, it lets you accumulate miles for everyday purchases with ease. But frequent flyers may put off by its lack of travel perks.

Current welcome bonus

The AAdvantage MileUp card offers 10,000 bonus miles in addition to a $50 statement credit when you spend at least $500 within the first three months.

Although this isn’t the most lucrative offer around, the spending requirement is easy-to-reach, and you won’t have to pay an annual fee.

Rewards

A great feature of this Citibank American Airlines co-branded card is its simple rewards structure. It’s fantastic for beginners wanting to avoid complicated travel rewards.

Earning rewards

You’ll earn two miles for every dollar spent at grocery stores and on eligible American Airlines purchases. Other purchases will earn you one mile per dollar. There is no mileage cap.

Redeeming rewards

The AAdvantage miles you accumulate on your Citi American Airlines credit card won’t expire as long as you earn or redeem them once every 18 months.

You have 1,000 worldwide destinations to choose from for flight redemptions, as you can use them for American Airlines, American Eagle and any Oneworld or partner airlines. Besides flights, miles can be redeemed for seat upgrades, car rentals and hotel stays.

How much are miles worth?

According to The Points Guy’s point and mile valuations, each American AAdvantage mile is worth around 1.4 cents. However, exactly how much you can squeeze out of each mile depends on your destination, the date you travel and what type of ticket you pick. Non-flight redemptions tend to yield a low value per mile.

Benefits

While you won’t get perks like a free first checked bag or lounge access, the AAdvantage MileUp is still a solid option for occasional travelers who prefer a low maintenance travel rewards credit card.

Bonus miles for everyday purchases

  • Wide definition of grocery stores. Apart from supermarkets, this AA card counts freezer/meat locker providers, dairy product stores, convenience stores, markets, specialty vendors and even bakeries as grocery stores. This wide definition will allow you to accumulate miles quickly from everyday purchases.
  • Grocery purchases include delivery services. It’s not just your grocery shopping that qualifies for bonus miles—grocery delivery services count too.

No annual fee

  • Less pressure to earn and redeem miles. With no annual fee, you won’t have to worry about using your card frequently enough to outweigh costs.

In-flight savings

  • Receive 25 percent discount on eligible purchases. Savings apply to spending on food and beverages when traveling on flights operated by American Airlines.

Rates and fees

While the American Airlines Citi card is free of an annual fee, there is a 3 percent foreign transaction fee, making this card less suitable for overseas trips.

This card currently has a standard variable APR of 15.99 percent to 24.99 percent.

How the American Airlines AAdvantage MileUp card  compares to similar travel rewards cards

Apart from the AAdvantage MileUp card, there are other competitors that offer travel rewards cards with no annual fee. The best card for you will depend on your preferred airline and how much flexibility you want with your rewards.

Card Annual fee Rewards Welcome bonus Introductory APR
Delta SkyMiles® Blue American Express Card

 

$0
  • Unlimited 2X miles on restaurants (including takeout and delivery) and eligible Delta purchases
  • 1X miles on all other eligible purchases
10,000 miles after spending $500 within three months of account opening No introductory APR on purchases or balance transfers
Discover it® Miles $0 Unlimited 1.5 miles per dollar spent Unlimited match of miles you earned at the end of your first year 0% introductory APR on purchases for 14 months (then 11.99 percent to 22.99 percent variable APR)

 

Best cards to pair Citi American Airlines AAdvantage MileUp with

To maximize your travel rewards for your spending, it’s worth pairing the Citi AAdvantage MileUp with another travel credit card. If you don’t travel frequently enough to justify paying an annual fee, then the Discover it® Miles could be ideal. You’ll get 1.5 miles per dollar spent—a bit less than the AAdvantage MileUp—but this rate applies to all purchases. What’s more, Discover it Miles allows redemption for travel or cash, giving you extra flexibility with your rewards.

For those willing to pay an annual fee, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®* costs $99 a year (waived for the first 12 months). You’ll earn 2 miles per dollar spent on eligible American Airlines purchases, and at restaurants and gas stations. You’ll also get travel perks like a free first checked bag, preferred boarding, no foreign transaction fees and 50,000 bonus miles after spending $2,500 within the first three months.

Bankrate’s Take—Is Citi American Airlines AAdvantage MileUp worth it?

This card is great for occasional travelers and American Airlines flyers who are new to travel rewards. It allows you to collect more miles on some of your everyday purchases without having to consider the impact of annual fees.

But frequent travelers will probably want something with more perks than the AAdvantage MileUp, such as the Citi/AAdvantage Platinum Select World Elite Mastercard.

Pros

  • No annual fee.
  • Double miles on grocery stores and eligible American Airlines purchases.
  • 25 percent in-flight savings on food and beverages.
  • Welcome offer with low spending requirement.
  • No limit on miles you can earn.

Cons

  • 3 percent foreign transaction fees.
  • No 0 percent intro APR offer on purchases or balance transfers.
  • No free checked bags and lounge access.

*The information about the Citi / AAdvantage Platinum Select World Elite Mastercard has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the issuer.