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.
MoneyGeek’s Take
American Airlines AAdvantage® MileUp® Card Review
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% VariableAnnual Fee
$0Recommended Credit
740-850 (Excellent)
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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.
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.
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.
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.
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.
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.
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
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.
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?
The average credit score needed to get approved for the American Airlines AAdvantage® MileUp® Card is 700.
Does the American Airlines AAdvantage® MileUp® Card report to all three credit bureaus?
Yes, the American Airlines AAdvantage® MileUp® Card reports to all three credit bureaus.
Is the American Airlines AAdvantage® MileUp® Card application process lengthy? Can you prequalify?
The American Airlines AAdvantage® MileUp® Card application process is not lengthy and can be done online. In most cases, you will receive a decision quickly via email.
What information is needed to apply for the American Airlines AAdvantage® MileUp® Card?
To apply for the American Airlines AAdvantage® MileUp® Card, you need to provide personal details including name, date of birth and Social Security Number, contact information, residential address, email address, phone and your financial information, including source and level of income.
Does the American Airlines AAdvantage® MileUp® Card have a mobile app or the option to pay or manage your account online?
The American Airlines AAdvantage® MileUp® Card has an online option for cardholders to manage their accounts online. Once you log in to your account, you can access various options including making payments, redeeming your rewards and viewing your transactions.
Does the American Airlines AAdvantage MileUp℠ Card raise credit limits automatically or charge for limit increases?
The American Airlines AAdvantage® MileUp® Card may raise credit limits automatically following periodic reviews of the account showing a good payment history. You can also choose to request an increase in your credit limit after six months.
Does the American Airlines AAdvantage® MileUp® Card offer the option to freeze your credit/account or have other security features?
The American Airlines AAdvantage® MileUp® Card has zero liability on unauthorized charges to protect you against fraud. Cardholders also get fraud alerts in case of any suspicious transactions.
Does Citi offer other credit cards besides the American Airlines AAdvantage MileUp℠ Card?
Yes, Citi offers other credit cards besides the American Airlines AAdvantage® MileUp® Card, including Citi® / AAdvantage® Platinum Select® World Elite Mastercard® and CitiBusiness AAdvantage Platinum Select World Elite Mastercard.
About Doug Milnes, CFA
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.
sources
- American Airlines. "AAdvantage." Accessed September 9, 2021.
- Citi. "Citi Tops J.D. Power Study of Customer Satisfaction with Retail Banking Advice." Accessed September 8, 2021.
- Forbes Advisor. "American Airlines MileUp Card 2021 Review." Accessed September 9, 2021.
- Forbes Advisor. "Delta SkyMiles Blue Credit Card 2021 Review." Accessed September 9, 2021.
*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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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.