Pros / The best credit card rewards for travel included with this card are priority boarding and in-flight discounts.

Cons / There's no introductory annual percentage rate with this air miles credit card.

 Verdict / The Citi® / AAdvantage® Platinum Select® MasterCard® gives you bonus points for signing up and several travel perks. It's an option to consider if you fly American Airlines frequently.

The Citi® / AAdvantage® Platinum Select® MasterCard® gives you several benefits that make traveling less stressful. For instance, if you use this air miles credit card to purchase your flight, you can check your first bag for free. Additionally, up to four of your traveling companions may also check their first bags for free. This air miles card also includes priority boarding and qualifies you to board with group one.

Other travel benefits that this frequent flyer miles card includes are in-flight discounts, no blackout dates and the ability to earn double miles on certain purchases. Additionally, if you make $3,000 in purchases using this card within the first three months of having it, you receive 50,000 bonus miles.

This Citi® / AAdvantage® Platinum Select® MasterCard® airline credit card also includes a few features that are nice to have if you travel frequently. When you use your card to purchase your travel fare, you automatically qualify for travel accident insurance, rental car insurance and lost luggage reimbursement. Plus, this card includes purchase protection and extended product warranty when you use your card for certain purchases.

There isn't an introductory annual percentage rate promotion with this air miles card, but its standard APR is relatively low. For the purchases and balance transfers that you make with this card, you can expect a 13.99% to 21.99% (Variable) APR. If you use this card to make a cash advance, you can expect a 25.24% Variable APR, and this card has a 29.99% Variable penalty APR.

For the first year that you have this card, Citi waives the $95 annual fee. The other fees that are associated with this card are industry standard, although not all charge you the 3% international purchase fee that is included on this card, which means that when you travel overseas and use this card, a 3% fee for every transaction is tacked on to each purchase. For cash advances, you pay a minimum $10 or 5% fee, and for balance transfers you pay a minimum $5 or 3% fee per transaction.

You can contact Citi for member support via phone 24 hours a day, 7 days a week. Live chat is also available. The company provides frequently asked questions on its website that you can use to find answers to general questions about your card benefits or account.


The Citi® / AAdvantage® Platinum Select® MasterCard® air miles credit card is an acceptable option if you frequently fly with American Airlines. It provides you with several travel benefits, like the free bag check for you and up to four travel companions, that can make traveling more convenient.

Disclaimer: The Annual Percentage Rate or APR is reflective of the date this review was last updated.

Specifications and Benchmarks


Standard APR*
13.99% - 21.99% Variable
Cash Advance APR*
25.24% Variable
Balance Transfer APR*
13.99% - 21.99% Variable
Penalty APR*
29.99% Variable
Introductory APR*
Introductory Period

Fees & Penalties

Annual Fee
$0 first year, then $95
Late Fee
Up to $35
International Purchase Fee
Cash Advance Fee
$10 or 5%
Balance Transfer Fee
$5 or 3%
Returned Payment Fee
Up to $35
Grace Period
23 Days

Travel Benefits

Miles/Points to Dollars Spent Ratio
1 Mile/1 Dollar Spent
Sign-Up Offer
50,000 bonus miles after $3,000 spent in first 3 months
No Blackout Dates
International Flights
Earn Double Miles or Points
Free Bag Check
Priority Boarding
VIP Lounge Access
In-Flight Purchase Discounts
Annual Bonus Miles or Points
Concierge Service

Member Support

Phone 24/7
Emergency Card Replacement
Live Chat

Key Features

Travel Accident Insurance
Rental Car Insurance
Lost Luggage Reimbursement
24/7 Roadside Assistance
Zero Liability
Miles/Points Don't Expire
No Cap on Miles/Points
Extended Product Warranty
Purchase Protection
Return Protection