Citi · Mastercard
Citi® / AAdvantage® Platinum Select®
American Airlines frequent flyers
$99 annual fee
Why people consider it
- 2x on American Airlines.
- 2x on Dining.
- Points transfer to 2 airline and hotel partners.
Current welcome offer
Current: 50,000 miles
Recent typical offer: 80,000 miles
Current offer is 37% lower than recent typical offers.
Welcome offer: 50,000 miles≈ $700 at our typical valuation
Requirement: Spend $2,500 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: 50,000 AAdvantage miles after $2,500 spend in 3 months — the offer also waives the $99 annual fee for the first year. Verified 2026-10-28 on creditcards.aa.com and citi.com; American's newsroom says the annual fee becomes $150 from 2027-01-24 (the fee here stays the current $99 until then).
Recommended credit score: 700+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$808/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,508 first year
Includes: +$700 welcome offer (50,000 miles at our typical value)
$700 is one-time. $808/year is ongoing.
To earn the bonus: spend $2,500 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $99, charged in full — credits count only if you use them
- Major trade-offs:
- $99 annual fee No Global Entry credit
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as Citi AAdvantage Platinum on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
American Airlines purchases
Restaurants & food delivery
Gas stations
Point value: ~1.4¢ each
Optional benefits and credits
Perks (not counted in our math)
Primary cardholder + up to 4 companions on the same itinerary — saves $30 each way per person
Preferred boarding for you and up to four companions on the same American reservation
Applied as statement credit automatically on AA flights
Earn after spending $20,000 in a cardmember year — 1-year validity
Redemption and transfer information
Points transfer to 2 airline and hotel partners — often where the highest redemption values live.
Approval and bonus eligibility caveats
Recommended credit score: 700+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + First bag free for you + up to 4 travel companions
- + 50,000 miles sign-up bonus — good for domestic flights
- + 2x on dining and gas beyond AA purchases
- + $125 flight discount after $20k spend
Cons
- - $99 annual fee
- - No Global Entry credit
- - No lounge access
- - No inflight wifi credit
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.