Citi / AAdvantage Platinum Select MasterCard Review | CreditShout

Citi / AAdvantage Platinum Select MasterCard Review

By Kevin / June 20, 2016
Citi® / AAdvantage® Platinum Select MasterCard Review

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Citi® / AAdvantage® Platinum Select® MasterCard®

Advantages of Citi's AAdvantage Platinum Select MasterCard

CreditShout Rating

Annual Fee: $95 (Waived 1st Year)

Credit Needed: Good

Rewards Program and Signup Bonuses*:

  • Apply on the American Airline site when you book a ticket, and receive a $100 statement credit!
  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening
  • 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 Group 1 Boarding on American Airlines flights
  • No Foreign Transaction Fees on purchases.
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights
  • Double AAdvantage® miles on eligible American Airlines purchases
  • Earn 10% of your redeemed AAdvantage® miles back — up to 10,000 AAdvantage® miles each calendar year

Intro APR

N/A

Intro Balance Transfer

N/A

Regular APR

14.24%-22.24% Variable

Overview

In a similar class as some of American Express' best offerings, the Citi® / AAdvantage® Platinum Select® MasterCard® is a credit card with generous travel rewards, no pre-set spending limit, concierge service, and reasonable $95 annual fee.

It's not a charge card, since you do have a revolving credit line. But as long as you pay off the amount that exceeds your revolving credit line by the due date, you won't get over-the-limit charges. The interest rate for purchases is a tad high, so it pays to pay this card in full each month, rack up the frequent flyer miles for trips with American Airlines, and enjoy the many benefits this card has to offer.

Looking for the Citi/AAdvantage Business Card​? Click Here.

How this Card Works

The Citi Platinum Select / AAdvantage Visa Signature Card is a travel rewards credit card that rewards you 1 mile for every $1 in purchases you make. Enjoy 30,000 American Airlines bonus miles after $1000 in purchases within the first 3 months. You can also earn an additional 10% of your redeemed miles back for up to 10,000 bonus AAdvantage miles each year.

One of the limiting factors about this card is that rewards can only be redeemed for airline tickets through American Airlines. But when you get 10% of your redeemed miles back, the rewards really pay off.

This is a unique rewards system -- enabling your miles to actually “cost” less in points.

Another thing unique about this card is it's got no pre-set spending limit. This makes it a great travel card for business owners or people who want to put large purchases on credit card in order to enjoy the many benefits (and earn lots of points.)

Just pay off any part of your balance that exceeds your revolving credit line by the due date, and you won't pay any fees or penalties. You don't have to pay off the balance in full, as you do with an American Express charge card.

Earning Rewards

This travel rewards card offers two AAdvantage miles for every dollar you spend on American Airlines, and one AAdvantage® miles for every other dollar spent. Your miles never expire and there are no blackout dates.

And, when you redeem your AAdvantage® miles, American will give you 10% of your redeemed miles back - up to 10,000 miles each calendar year. This helps your rewards go even further.

Plus you will have the opportunity to earn 30,000 bonus miles if you spend $1000 in the first three months as a cardmember. 

And, we encourage you to apply for this card as you are booking a flight. If you do that on the American Airlines website, you will be given an additional $100 statement credit, on top of any other rewards and signup bonus.

Other Benefits

This card is rich with travel benefits, plus concierge service to help you book travel, make restaurant reservations, find hard-to-get show tickets and more.

Here are some of the benefits you receive with the Citi Platinum Select / AAdvantage World MasterCard:*

  • ​First checked bag is free for you and your companions
  • Enjoy Group 1 Boarding on American Airlines flights
  • No Foreign Transaction Fees on purchases
  • Receive 25% savings on in-flight food and beverage purchases
  • Travel and emergency assistance services
  • Automatic travel accident insurance (for you, spouse and eligible dependents) when you charge plane, train or bus tickets to the card
  • Trip cancellation/interruption coverage
  • Lost luggage coverage
  • Rental car collision loss/damage waiver
  • Extended warranty protection on purchases
  • Retail purchase protection
  • Price protection
  • $0 liability on unauthorized charges

Rates and Fees

The AAdvantage Platinum Select Card has an annual fee of $95, which is waived the first year. This is actually pretty low for all the benefits this card offers.

Verdict

Finding a credit card with no pre-set spending limit is unusual, and can be an excellent way to manage your credit. If you're looking for a credit card for frequent travel, big-ticket purchases and to use instead of cash everyday, we urge you to consider the Citi® / AAdvantage® Platinum Select® MasterCard®. The range of travel benefits alone make it worth the $95 annual fee (waived the first 12 months).

The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone.Additionally, the opinions of the commenters are not necessarily the opinions of this site

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