Citi AAdvantage MileUp Card Review

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American Airlines AAdvantage MileUp℠ Card

American Airlines AAdvantage MileUp℠ Card

Learn more externa link icon at our partner’s secure site
Rewards rate:

Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases.

  • Intro bonus: 10,000 miles
  • Annual fee: $0
  • Regular APR: 15.99% – 24.99% (Variable)
  • Recommended credit score: 670-850 (Good to Excellent)

The no annual fee Citi AAdvantage MileUp℠ Mastercard® can help you rack up American Airlines AAdvantage® miles to use for free travel. Despite some benefits, this card does lack many sought-after travel perks such as free checked bags or early boarding.

At a Glance

  • 2x AAdvantage Miles on eligible American Airlines purchases 
  • 2x AAdvantage Miles at grocery stores
  • 1x AAdvantage Miles on all other purchases 
  • 25% off in-flight food and beverage purchases on flights operated by American Airlines
  • 10,000 bonus miles and $50 statement credit after spending $500 in the first three months from account opening
  • No annual fee
  • Variable APR between 15.99 – 24.99%

Pros

  • Earns rewards for use on American Airlines

  • No annual fee

  • Introductory offer

  • Savings on in-flight purchases on American Airlines

Cons

  • Rewards are redeemable on American Airlines and its partners only

  • Foreign transaction fee

  • Few travel perks

Additional Card Details

In addition to the 2x miles you’ll earn on American Airlines flights and on groceries, the card has a welcome offer of 10,000 miles and a $50 statement credit after you spend $500 in the first three months from account opening.

While it is a travel rewards credit card, this card doesn’t offer many travel-related benefits beyond 25% savings on in-flight purchases. There are no airline perks for frequent American Airlines flyers, and the card even charges a 3% foreign transaction fee, making it a poor choice for international travel.

Should You Get This Card?

This card may benefit occasional American Airlines flyers who want some useful perks when flying their airline of choice without paying an annual fee.

Since it earns 2x miles on eligible American Airlines purchases — such as flights and baggage fees — as well as groceries, it can be an easy way to earn miles you can later redeem for free travel. You’ll also get 25% off food and beverage purchases on American Airlines flights when you use this card to pay.

Still, there are far better options on the market if you’re looking for a travel rewards credit card. For example, the Chase Sapphire Preferred card has a $95 annual fee, but offers a number of travel protections and annual benefits for even occasional travelers to easily offset the price. Plus, you’ll earn 2x Chase Ultimate Rewards points per dollar spent on dining and travel, which you can redeem for hotel stays and car rentals, as well as flights. With the Citi AAdvantage MileUp card, you’re limited to using the miles you earn only on American Airlines (and partner) flights.

If you’re specifically looking for American Airlines co-branded cards, you might also consider the Barclays AAdvantage® Aviator® Red World Elite Mastercard®*. It has a $99 annual fee, but you’ll earn 60,000 AAdvantage bonus miles after making your first purchase and paying the annual fee within the first 90 days from account opening. And with travel benefits like first checked bag free, preferred boarding, travel insurance, and an annual companion certificate, you can easily recoup the annual fee cost even flying just once or twice per year.

If you fly airlines like Delta or United more frequently, or you don’t have a preferred airline, this card would not be a good choice for you, either.

How to Use the Citi AAdvantage MileUp Card

Maximize the MileUp Card’s value by using it for all of your American Airlines bookings. For example, if you use this card to book a $300 flight , you’ll earn 600 AAdvantage Miles. A few thousand miles can get you a one-way domestic ticket on American.

You’ll also earn 2x AAdvantage Miles at grocery stores; that’s an easy way to rack up miles on your regular spending even if you don’t plan on booking travel soon.

You’ll see your miles add up even more quickly if you also take advantage of the American Airlines AAdvantage shopping portal to earn miles on your online purchases. There’s no limit to the amount of miles you can earn. AAdvantage miles do not expire as long as you earn or redeem miles on American, or one of its partners, at least once every 18 months. 

By spending $500 on the card in the first three months from account opening, you’ll earn 10,000 AAdvantage Miles and a $50 statement credit. You can use those miles for travel on American Airlines and its partners. (Do not, however, spend money you were not already planning to spend in order to meet a welcome bonus.) 

Once you find yourself on an American Airlines plane, be sure to use the card to get 25% off inflight drinks and beverages.

Since this card charges a 3% foreign transaction fee, you won’t want to use it on international trips, once it’s safe to travel abroad.

Citi AAdvantage MileUp Card Compared to Other Cards

American Airlines AAdvantage MileUp℠ Card

American Airlines AAdvantage MileUp℠ Card

  • Intro bonus:
    10,000 miles
  • Annual fee:
    $0
  • Regular APR:
    15.99% – 24.99% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site
Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

  • Intro bonus:
    20,000 points
  • Annual fee:
    $0
  • Regular APR:
    14.49% – 24.99% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

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

  • Intro bonus:
    50,000 miles
  • Annual fee:
    $99, waived for first 12 months
  • Regular APR:
    15.99% – 24.99% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site

Bottom Line

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

This card can help you save money on future American Airlines (and partner) flights by helping you earn AAdvantage miles you can later redeem for travel for no annual fee. However, if you’re looking for airline-specific travel perks such as early boarding or waived checked baggage fees, there are better choices.

*All information about the American Airlines AAdvantage MileUp Card, Citi AAdvantage Platinum Select World Elite, Wells Fargo Propel American Express card, and Barclays AAdvantage Aviator Red World Elite Mastercard, has been collected independently by NextAdvisor and has not been reviewed by the issuer.

Frequently Asked Questions

What credit score do you need to be approved for the Citi AAdvantage MileUp Card?

You’ll need a credit score between 670-850 for the best chances of approval for this card.

Does the Citi AAdvantage MileUp Card have an annual fee?

No, this card does not have an annual fee.