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Citi / AAdvantage Platinum Select World Elite Mastercard Review

Citi / AAdvantage Platinum Select World Elite Mastercard Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Aug 14, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

The information related to the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® has been collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.

If you frequently travel on American Airlines, a credit card that offers bonus miles on American Airlines purchases like the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® should be on your radar.

In addition to letting you Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases*, you can Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*.

AAdvantage miles can be redeemed in a variety of ways, including flights on American Airlines, American Eagle or any oneworld airline or 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.

In this review, we’ll break down the pros and cons of the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, as well as show how it compares with the Citi® / AAdvantage® Executive World Elite™ Mastercard®.

Where the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® stands out

Generous sign-up bonus. Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*.

Rewards on every purchase. Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases*.

$125 flight discount. You can earn a $125 American Airlines flight discount after you spend $20,000 during your card membership year and renew your card.

Free first checked bag. The first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.

No foreign transaction fees. With the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, you won’t be charged fees when you make purchases outside of the U.S. — making it ideal if you plan to travel outside of the country.

Additional Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® benefits

  • 25% savings on inflight food and beverage purchases on American Airlines flights
  • Preferred boarding for you and up to four companions traveling on the same reservation
  • No additional charge to add authorized users to your account

Where the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® falls short

Annual fee. The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® charges an annual fee of $99, waived for first 12 months*.

No introductory APR. Because the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® doesn’t offer an introductory APR on purchases or balance transfers, it’s not the best option if you plan to carry a balance or transfer a balance from a different credit card.

Compare it with the Citi® / AAdvantage® Executive World Elite™ Mastercard®

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening

  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases & 1 AAdvantage® mile for every $1 spent on other purchases*

  • No Foreign Transaction Fees on purchases

Highlights
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for guests traveling with you
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other 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
  • The standard variable APR for Citi Flex Plan is 17.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® / AAdvantage® Executive World Elite™ Mastercard®

More Info

If you are an American Airlines loyalist who prefers premium perks, like complimentary membership to the Admirals Club, the Citi® / AAdvantage® Executive World Elite™ Mastercard® is a great alternative.

Similar to the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, the Citi® / AAdvantage® Executive World Elite™ Mastercard® lets you Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening, as well as Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases & 1 AAdvantage® mile for every $1 spent on other purchases*.

However, unlike the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, the Citi® / AAdvantage® Executive World Elite™ Mastercard® does not offer bonus miles at restaurants or gas stations.

See how the cards compare side by side in the table below.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Citi® / AAdvantage® Executive World Elite™ Mastercard®
Sign-up bonus Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening* Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
Annual fee $99, waived for first 12 months* $450
Intro APR on purchases N/A N/A
Intro APR on balance transfers N/A N/A
Regular purchase APR 17.99% - 25.99%* (Variable) 17.49%-25.49%* (Variable)
Rewards Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases* Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases & 1 AAdvantage® mile for every $1 spent on other purchases*
Foreign transaction fee 0% 0%

As you can see, the Citi® / AAdvantage® Executive World Elite™ Mastercard®’s premium status comes at a much higher price than the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®. The Citi® / AAdvantage® Executive World Elite™ Mastercard® has an annual fee of $450, compared with the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®’s annual fee of $99, waived for first 12 months*.

That said, the Citi® / AAdvantage® Executive World Elite™ Mastercard®’s travel perks far outweigh its annual fee. For example, the Admirals Club membership alone is worth up to $650. The card also offers a Global Entry or TSA PreCheck application fee credit, priority boarding on American Airlines flights and 10,000 Elite Qualifying Miles (EQM) when you spend $40,000 in a year. Plus, the first checked bag is free for you and up to eight companions traveling on domestic American Airlines itineraries.

The bottom line

Overall, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and the Citi® / AAdvantage® Executive World Elite™ Mastercard® are both great options if you travel frequently on American Airlines.

If you can bear the expensive $450 price tag, the Citi® / AAdvantage® Executive World Elite™ Mastercard® may be the better choice — simply for its complimentary Admiral Club membership and bonus EQMs.

But 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.


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