How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
|
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
|
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
3.6
Citi<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Elite Mastercard<sup>®</sup>
Sign-Up Bonus
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening
Bonus Rewards
First checked bag free on domestic itineraries & preferred boarding on American Airlines itineraries and flights
Rewards Rate
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Citi is an advertising partner.

Our take: The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a great option if you want to earn rewards to help offset the cost of future travel on American Airlines and you plan to take advantage of the card’s valuable benefits.

Is the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® a good card?

If you’re looking for an airline credit card to help cover the high cost of airfare and you’re loyal to American Airlines, you should consider the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. Along with a hefty sign-up bonus, you’ll earn accelerated rewards on American Airlines purchases, gas and restaurant purchases. Plus, the card offers valuable benefits, like an annual American Airlines flight discount and your first checked bag free.

The card does charge an annual fee of $99, waived for first 12 months — so if you don’t travel regularly or take advantage of the card’s benefits, it may not be worth its annual fee after the first year.

Instead, the $0-annual-fee American Airlines AAdvantage® MileUp® Card may be a better fit. Or, if you want more premium travel benefits, you should look at the Citi® / AAdvantage® Executive World Elite Mastercard®. We compare these cards below to help you decide which is the best American Airlines card for you.

Quick facts

    • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
    • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
    • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
    • No Foreign Transaction Fees
    • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
    • Enjoy preferred boarding on American Airlines flights
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good / Excellent
  • Preferred boarding on American Airlines flights
  • 25% savings on in-flight food and beverage purchases
  • American Airlines flight discount
  • Ability to add authorized users for free
  • Special access to events through Citi Entertainment®

Intro Purchase APR

N/A

Regular Purchase APR

21.24% - 29.99% (Variable)

Intro BT APR

N/A

Regular BT APR

21.24% - 29.99% (Variable)

Annual Fee

$99, waived for first 12 months

Cash Advance Fee

5% of each cash advance; $10 minimum

Foreign Transaction Fee

0%

Balance Transfer Fee

Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Pros and cons

  • Hefty sign-up bonus
  • Rewards in popular spending categories
  • Valuable travel benefits
  • 0% foreign transaction fee
  • Annual fee after first year
  • No introductory APR on purchases

What we like about the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

  • Hefty sign-up bonus

    This card offers a generous and easy-to-earn sign-up bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.

    Like many rewards credit cards, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® requires you to spend a specific amount within the first three months of card membership to earn the sign-up bonus.

  • Rewards in popular spending categories

    The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® lets you earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.

    AAdvantage® miles can be redeemed a variety of ways, including flights on American Airlines, American Eagle®, any oneworld® airline or any partner airline, as well as flight upgrades on American Airlines, British Airways and Iberia flights. Miles can also be redeemed for car rentals, hotel stays, activities and tours.

  • Valuable travel benefits

    By taking advantage of the following benefits, you can squeeze even more value from your Citi® / AAdvantage® Platinum Select® World Elite Mastercard®:

    • American Airlines flight discount. Earn a $125 American Airlines flight discount after you spend $20,000 during your card membership year and renew your card.
    • Free checked bag. Receive the first checked bag free on domestic American Airlines itineraries for you and up to four companions traveling on the same reservation.
    • Preferred boarding. Get preferred boarding on American Airlines flights for you and up to four companions traveling with you on the same reservation.
    • 25% savings. Receive 25% savings on in-flight food and beverage purchases when you used your card on American Airlines flights.

  • 0% foreign transaction fees

    While some cards charge fees ranging from 3% to 5% of each transaction when you use it to make purchases outside of the U.S., the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® does not. This makes it ideal to bring along when traveling abroad.

What to watch out for with the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

  • Annual fee

    With this card, you’ll be responsible for paying an annual fee of $99, waived for first 12 months. While this amount is on par for a mid-range airline card, there are cards available that charge no annual fee after the first year of card membership.

  • No introductory APR on purchases

    Because the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® doesn’t offer an intro APR on purchases, you’ll be subject to a high APR of 21.24% - 29.99% (variable) if you carry a balance on your card from month to month.

    If you plan to finance a trip or another large purchase and pay it off over time, you’ll be better off with a card that offers a 0% intro APR on purchases for a year or longer.

Alternate cards to the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® vs. American Airlines AAdvantage® MileUp® Card

| Disclosures
American Airlines AAdvantage® MileUp® Card
American Airlines AAdvantage® MileUp® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
N/A
21.24% - 29.99% (Variable)
$0
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including
  • Earn 15,000 American Airlines AAdvantage® bonus miles after making $500 in purchases within the first 3 months of account opening.
  • No Annual Fee
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If you don’t fly on American Airlines frequently enough to justify paying an annual fee after the first year and you don’t plan to take advantage of the benefits offered by the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, the American Airlines AAdvantage® MileUp® Card may be a better fit. Along with charging a $0 annual fee, the card offers double miles on grocery and American Airlines purchases.

You’ll earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases. Plus, earn 15,000 American Airlines AAdvantage® bonus miles after making $500 in purchases within the first 3 months of account opening.

Unlike the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, this card charges foreign transaction fees and doesn’t offer a flight discount, free checked bags or preferred boarding. But again, if you only fly American Airlines a few times a year within the U.S., this card’s $0 annual fee and earning rate can still make it worth your while.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® vs. Citi® / AAdvantage® Executive World Elite Mastercard®

| Disclosures
Citi® / AAdvantage® Executive World Elite Mastercard®*
Citi® / AAdvantage® Executive World Elite Mastercard®
Learn More
on Citibank's secure site
N/A
21.24% - 29.99% (Variable)
$595
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from
  • For a limited time, earn 100,000 American Airlines AAdvantage® bonus miles after spending $10,000 within the first 3 months of account opening.
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • No Foreign Transaction Fees on purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
660 720 850
Good / Excellent
*The information related to the Citi® / AAdvantage® Executive World Elite Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

On the other hand, if you travel several times throughout the year in the U.S. and abroad and want access to more premium perks, the Citi® / AAdvantage® Executive World Elite Mastercard® may be a better match.

While the card charges a high annual fee of $595, the price tag gets you access to valuable benefits, like the first checked bag free for you and up to eight companions on the same reservation, priority check-in, airport screening and boarding for you and up to eight companions on the same reservation, 25% savings on in-flight food and beverage, up to a $100 Global Entry or TSA PreCheck application fee credit and 0% foreign transaction fees. Additionally, receive Admirals Club® Membership — which provides free access to almost 50 airport lounges worldwide — for you and up to two guests or immediate family members.

You’ll also earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases, as well as 10,000 additional Loyalty Points when you spend $40,000 in purchases during the qualifying status year. Plus, for a limited time, earn 100,000 American Airlines AAdvantage® bonus miles after spending $10,000 within the first 3 months of account opening.

Is the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® right for you?

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, American Airlines AAdvantage® MileUp® Card and the Citi® / AAdvantage® Executive World Elite Mastercard® are all great options if you’re partial to American Airlines. But ultimately, the right one for you comes down to how many times you fly per year.

If you’d prefer to test out a card for free the first year, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® will be your best bet. Along with waiving the annual fee the first year, the card offers a generous sign-up bonus and bonus miles on restaurant and gas station purchases.

However, if you travel often and can bear the expensive $595 annual fee, the Citi® / AAdvantage® Executive World Elite Mastercard® may be the better choice — simply for its complimentary Admiral Club membership.

Or, if you don’t travel regularly (and when you do, it’s in the U.S.), the $0-annual-fee American Airlines AAdvantage® MileUp® Card will be a better choice.

apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees