MoneyGeek’s Take

American Airlines AAdvantage® MileUp® Card Review

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Updated: June 11, 2024

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American Airlines AAdvantage® MileUp® Card

Rewards Rate
Earn 2 AAdvantage® miles for each $1 spent at groc...
APR
21.24% – 29.99% Variable
Annual Fee
$0
Recommended Credit
740-850 (Excellent)
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The American Airlines AAdvantage® MileUp® Card comes with a generous welcome bonus of 10,000 American Airlines AAdvantage bonus miles and a $50 statement credit if you spend $500 in purchases within the first 90 days. You will also save 25% on your inflight food and beverage purchases on American Airlines flights. However, for people looking for travel perks like free checked bags or priority boarding, this card does not come with any of those benefits.

American Airlines AAdvantage® MileUp® Card Overview

With the Citi American Airlines AAdvantage® MileUp® Card, you have access to some excellent rewards. Here are some more details that can help you decide if the card is right for you.

Quick Take

  • Earn two AAdvantage miles for each dollar spent on groceries and eligible American Airlines purchases and 1 mile per dollar on other purchases
  • Earn 10,000 American Airlines AAdvantage bonus miles and a $50 statement credit if you spend $500 in purchases within the first three months
  • Redeem your miles for award flights on American Airlines to over 1,000 destinations across the globe
  • Get access to Citi Concierge 24 hours a day, seven days a week for restaurant bookings, gift shopping and more

Important Card Details

The American Airlines AAdvantage® MileUp® Card comes with some standard fees and charges that you should be aware of before signing up.

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    Miles Rewards Rate

    With the American Airlines AAdvantage® MileUp® Card, you earn two miles per $1 spent on American Airlines purchases, two miles per $1 spent at grocery stores and one mile per $1 spent on all other eligible purchases.

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    Balance Transfer Fee

    Your American Airlines AAdvantage® MileUp® Card will come with balance transfer fees of $5 or 5% of the transfer amount, whichever is greater.

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    Regular APR

    The APR on purchases and balance transfers on this card is 20.99% – 29.99% depending on factors such as your creditworthiness. It is important to note that the American Airlines AAdvantage® MileUp® Card does not come with an introductory APR on purchases or balance transfers.

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    Foreign Transaction Fee

    The American Airlines AAdvantage® MileUp® Card is widely accepted across the globe. However, when you use this card outside of the U.S, you will pay a 3% transaction fee. This can be costly for frequent international travelers.

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    Cash Advance Fee

    For cash advances, the American Airlines AAdvantage® MileUp® Card attracts a charge of $10 or 5% of the value of the cash advance, whichever amount is larger.

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    Annual Fee

    This card does not have any annual fees, so those who want a simple travel card to earn bonus miles will find it convenient.

Additional Benefits

As an American Airlines AAdvantage® MileUp® Cardholder, your card will also come with the following standard features.

How the American Airlines AAdvantage® MileUp® Card Compares To Other Cards

While the American Airlines AAdvantage® MileUp® Card has some noteworthy perks, it’s important to compare it to other travel cards to ensure you are getting the best card for you. Consider factors like annual fees, rewards points, APR and more when selecting a card.

How the American Airlines AAdvantage® MileUp® Card Compares

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American Airlines AAdvantage® MileUp® Card

  • Annual fee: $0
  • Purchase APR: 20.99% – 29.99% variable
  • International transaction fee: 3%
  • Rewards rate: Two miles per dollar for American Airlines purchases and groceries
  • Mini Verdict: Best for occasional travelers who want to earn bonus miles on everyday purchases at no annual cost.
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Delta SkyMiles® Blue American Express Card

  • Annual fee: $0
  • Purchase APR: 20.99% – 29.99% Variable
  • International transaction fee: None
  • Rewards rate: Two miles per dollar for Delta purchases and dining/restaurant purchases
  • Mini Verdict: Best for international travelers who spend a lot on dining and want to earn miles with a no-annual fee travel card.

Frequently Asked Questions

What is the average credit score needed to get approved for the American Airlines AAdvantage® MileUp® Card?
Does the American Airlines AAdvantage® MileUp® Card report to all three credit bureaus?
Is the American Airlines AAdvantage® MileUp® Card application process lengthy? Can you prequalify?
What information is needed to apply for the American Airlines AAdvantage® MileUp® Card?
Does the American Airlines AAdvantage® MileUp® Card have good customer service or satisfaction?
Does the American Airlines AAdvantage® MileUp® Card have a mobile app or the option to pay or manage your account online?
Does the American Airlines AAdvantage MileUp℠ Card raise credit limits automatically or charge for limit increases?
Does the American Airlines AAdvantage® MileUp® Card offer the option to freeze your credit/account or have other security features?
Does Citi offer other credit cards besides the American Airlines AAdvantage MileUp℠ Card?

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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