Best American Airlines Credit Cards in June 2025

To decide between an airline credit card or a general travel credit card, you need to pick between American Airlines credit card benefits and general travel perks. Co-branded credit cards from American are the only cards that will give you frequent flyer perks like free checked bags, priority boarding and lounge membership in American Airlines’ own Admirals Club. An American Airlines AAdvantage credit card is also the only option to help you earn Loyalty Points toward elite status for each dollar you spend. Just remember that airline credit cards earn miles that are mostly good for flights, which means rewards are somewhat inflexible and more difficult to use.

General travel credit cards offer benefits like annual travel credits and airport lounge membership that works no matter which airline you fly. And, unlike American Airlines credit cards that earn miles that work for free flights with American Airlines and its oneworld partners, general travel credit cards earn points that are much easier to use. For example, a flexible travel credit card from Amex or Chase lets you book travel with any airline through a portal or transfer points to a range of airline and hotel partners.

1. How valuable is the sign-up bonus?

Since earning a credit card sign-up bonus is one of the best ways to earn rewards quickly, looking over bonus offers among American Airlines credit cards is a savvy first step. Some things to consider when evaluating the bonus:

• How does the value of the miles compare to other cards’ bonuses? Compare the value of airline miles here.
• Can you meet the spending threshold?
• Do you meet the eligibility requirements? (Read the offer terms carefully — for example, you may not qualify if you have opened other AAdvantage cards in the last few years.)
• How does the value of the bonus compare to the annual fee? (You might go for a lower annual fee card if you’re only interested in earning miles.)

2. Can you afford the annual fee?

American Airlines offers credit cards with annual fees ranging from $0 to $595. To decide if you’ll be able to justify an annual fee, look at the benefits and rewards offered by each card. Typically, higher annual fee cards come with premium protections and card benefits. If you don’t think you’ll rack up enough rewards or get enough use out of a card’s benefits to cover the annual fee, you’ll want to opt for the no-annual-fee choice.

3. Is it easy to spend the card’s miles?

American Airlines branded credit cards are designed to be used in the AAdvantage platform. Your miles can be redeemed for American Airlines flights or flights with one of its oneworld partners including Alaska Airlines, British Airways, Cathay Pacific, Japan Airlines and more.

If you don’t think you’ll get the most use out of your miles by redeeming them for American Airlines flights, consider a general travel card like the Chase Sapphire Preferred^® Card or Chase Sapphire Reserve^®. These cards allow you to get 25% and 50% (respectively) more value from your points when you redeem for travel through Chase’s travel portal. You can also transfer points at a rate of 1:1 to 11 airline partners and three hotel partners, or redeem for cash back and gift cards.

4. Will you use the card’s benefits?

One of the main reasons to get a co-branded AAdvantage card is to score a range of important airline perks, including free checked bags and discounts on inflight purchases. The more you fly with American Airlines, the more you can use those benefits — making the card even more valuable.

If you rarely fly with American Airlines, or if you’re unlikely to use the airline perks, a general travel card may be the better way to go.

Here are some of the common American Airlines benefits you’ll see with American Airlines credit cards:

• First checked bag free: This can save you hundreds of dollars each year if you fly American frequently. You should also note that co-branded American AAdvantage cards with this perk let cardholders use it for themselves and a few of their traveling companions on the same itinerary.
• Preferred/priority boarding: If you care about being front of the line on your flights or making sure there’s bin space left for your carry-on bag, preferred or priority boarding can be another good reason to own an AAdvantage card.
• Lounge access: Admirals Club membership (which comes with the Citi^® / AAdvantage^® Executive World Elite Mastercard^®) can make your wait for your next flight much more pleasant. Just note that the benefit only makes sense if you often travel through airports with Admirals Clubs, and that you can only enter lounges if you’re actually flying with American or its partners on a same-day itinerary.
• Global Entry/TSA PreCheck application fee credit: Some American Airlines co-branded cards, like the Citi^® / AAdvantage^® Executive World Elite Mastercard^®, provide a credit of up to $120 every four years to cover your Global Entry or TSA PreCheck application fee.
• American Airlines companion certificate: A few co-branded American AAdvantage cards, like the Citi^® / AAdvantage Business™ World Elite Mastercard^®, also offer an annual companion certificate when you reach a specific spend threshold.

Compare American Airlines card benefits

Based on our estimates, AAdvantage miles are worth an average of $0.017 per mile. This is the highest point value among the five major domestic airlines. But the value will vary depending on how you use your miles.

You can also redeem AAdvantage miles for other types of travel, upgrades on your flight and experiences. However, you’ll find that you generally get less than 1 cent per mile on these redemptions.

The number of AAdvantage miles required for an award flight varies widely, depending on the type of fare, origin, destination and whether you’re able to find a deal. Some flights can cost as little as 7,500 miles, while first-class international flights can cost hundreds of thousands of miles.

Just remember that the American AAdvantage program uses dynamic award pricing, so you’re never guaranteed to find a flight for the number of miles you expect. Here are some sample fares for different fare types on American Airlines reward flights:

There are four tiers of American Airlines status you can reach with qualifying activity, which centers around earning something called Loyalty Points. These status tiers include AAdvantage Gold®, AAdvantage Platinum®, AAdvantage Platinum Pro® and AAdvantage Executive Platinum®. Qualification for status with the American AAdvantage program is based on the Loyalty Points you earn for a 12-month period starting on March 1 each year.

Loyalty Points required to earn AAdvantage® status range from 40,000 to 200,000 points. Once you hit an elite status, you’ll gain access to additional benefits like free upgrades, free checked bags and complimentary preferred seating. You can also quickly get many benefits that come with elite status by signing up for an American Airlines credit card.

How to earn American Airlines Loyalty Points

You can earn Loyalty Points toward elite status in the following ways:

1. Earn AAdvantage® miles when you fly with American Airlines and partner airlines: Earn between 5 and 11 Loyalty Points per dollar when you fly with the airline. You can also earn Loyalty Points by flying with the airline’s oneworld partners. Prioritize earning status tier one (AAdvantage Gold), and work your way up from there.

   Status tier	Earning rate?	Increase in earning potential
   AAdvantage® Member*	Earns 5 miles per dollar	No additional miles earned for membership
   Tier 1: AAdvantage Gold®	Earns 7 miles per dollar	40% bonus
   Tier 2: AAdvantage Platinum®	Earns 8 miles per dollar	60% bonus
   Tier 3: AAdvantage Platinum Pro®	Earns 9 miles per dollar	80% bonus
   Tier 4: AAdvantage Executive Platinum®	Earns 11 miles per dollar	120% bonus

2. Make purchases with an AAdvantage® credit card: Earn 1 Loyalty Point for each dollar you spend with an American Airlines credit card.
3. Earn eligible miles with AAdvantage® partner programs: American AAdvantage offers a dining program and e-shopping portal that let you earn Loyalty Points on eligible purchases.
4. Book other travel: You can also earn Loyalty Points by booking other types of travel through American, including eligible hotel stays, car rentals, vacation packages and cruises.

The best American Airlines credit cards are easy to maximize once you’re approved, especially if you’re a frequent flyer. The following steps can help you earn more rewards and get more use out of your card’s perks.

• Check your card’s bonus rewards categories: Some AAdvantage cards earn 2X miles on purchase categories like American Airlines, groceries and gas. This is a great way to stack up AAdvantage miles on major expenses, so make sure to use your American AAdvantage card to pay for these everyday purchases.
• Use your card to save on luggage: Since AAdvantage cards typically offer free checked luggage for up to four (and potentially up to eight) people on your itinerary, make sure to add your American AAdvantage loyalty number to your reservation each time you fly with the airline.
• Book other travel through the airline to earn bonus miles: As a member of the AAdvantage® program, you can earn bonus miles on hotels, car rentals, vacation packages and cruises. There are also portals like AAdvantage® eShopping and AAdvantage® Dining that let you earn bonus miles while online shopping or at restaurants.
• Use your card for all in-flight purchases on American Airlines: If you opt to purchase an in-flight cocktail, be sure to reach for your co-branded AAdvantage card — you’ll score a huge 25% savings for each dollar you spend.
• Pay your balance in full: Since American Airlines credit cards charge high variable APRs if you use them to carry debt, you’ll get the most out of your card if you pay your statement balance in full each month.