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

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


Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 58 Offer Ratings
Over the Past 60 Days!

(58) Over the Past 60 Days!

  • Regular Purchase APR 17.74% - 25.74%* (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $99, waived for first 12 months*
  • Credit Needed

    Excellent, Good

  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online
  • Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening* 
  • New: Earn 2 AAdvantage® miles for every $1 spent at gas stations* 
  • New: Earn 2 AAdvantage® miles for every $1 spent at restaurants* 
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases* 
  • New: Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card* 
  • 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* 
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*

Card Fees

Foreign Transaction Fee 0%

Balance Transfer Fee 3% of each balance transfer; $5 minimum.

Cash Advance Fee 5% of each cash advance; $10 minimum

Penalty APR Up to 29.99% (Variable)

Ongoing Information

Rewards Rate Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*

Annual Fee $99, waived for first 12 months*

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance Yes

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the Editorial Team

With this Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, from our partner Citi, which was designed for those who like to travel on American Airlines, you get one air mile reward for every dollar you spend on anything. You'll also earn double miles on all American Airlines purchases. There is no annual fee for the first year of membership with this AAdvantage credit card and this card also comes with a great limited time sign up bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening* .

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® offers some reduced air rewards fares to selected cities for domestic travel, so instead of waiting to accumulate tons of points you can cash in for a ticket after you have saved as few as 12,500 points. Award points can expire if there is no activity in your AAdvantage account for 18 consecutive months, but when you use your Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, the expiration clock gets reset so you don’t have to lose those points.

The annual fee is $99, waived for first 12 months*. That is a pretty reasonable fee as far as airline rewards cards go. The variable APR will be 17.74% - 25.74%* (Variable), based on your creditworthiness*. Citibank does advertise its products on CompareCards.

Expert Reviews of the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

  • 4.0

    Regular APR

  • 2.5

    Intro APR

  • 3.0


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

For those who want to accumulate credit card rewards that can be used to fly on American Airlines, this a pretty decent card with an annual fee that is waived for the first year.

The Good

You don’t have to worry about points expiring as long as you use the card at least once every 18 months. You can earn a big up front bonus and unlimited AAdvantage miles with every purchase.

The Not so Good

There is an annual fee starting the second year, and almost all of the benefits of this card are built around American Airlines travel, so if you don’t fly with that carrier it won’t do you much good.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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Offer Rating


58 Total Ratings

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+52 users submitted a rating without a full review

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41 Found this review helpful

By: | Apr 18, 2018

It is fair to say that this card is pretty good. Not too many points per dollar on anything other than AA goods and services. It is good for early boarding and the free bag in domestic flights. In addition good coverage for travel insurance.

33 Found this review helpful

By: | Mar 30, 2018

My wife and I have used the AAcard for over 12 years. We have flown all over the country using the Advantage miles and have never had to purchase a ticket. We have let our son's family as well as our grandkids use them. We average over $5000 monthly of use on our card so we build up a lot of miles, that is a plus for us. But the real reason we have stayed with the card is because the protection they have given us over the use of having it. Recently we had flown into Zurich Switzerland for a 26 day European tour and the first night there I lost my card and didn't know it right away until AAcard called me and ask about a charge of over a $1000. And then again later other charges began to mount up quickly. I told them what happened and they shut the card down right then and I wasn't out one cent. This has happen many times before on lesser charges using the card with people on the internet trying to take advantage and every time I've Disputed them, they took care of it. For most purchase off site now we've found it safer to use their Virtual Card Numbers. So... No, I will never have any other card because of the way they have treated me they have saved my butt ... a lot of money.

26 Found this review helpful

By: | Dec 28, 2017

We have loved this card

181 Found this review helpful

By: | Jun 13, 2016

We love flying AA and thus we really use the "perks" that come with this card. In addition, we have found that if you charge enough to make a difference Citi will refund/rebate the yearly fee! It is very nice to be able to check in your bags and not have to worry about a carry-on bag (small enough, etc.)

160 Found this review helpful

By: | Oct 8, 2014

Love the card. Am earning miles quickly and love all the settings you can have.

183 Found this review helpful

By: | Sep 26, 2014

The award redemption has no black outs and really is the best in the industry. Great card in my wallet.

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