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Citi · credit
Last updated
Welcome offer — Offer varies — typically 15,000 bonus miles after $500 spend in 3 months Estimated by source
Portal caveat — Citi Travel averages ~14.59% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Citi's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 2× | American Airlines purchases Inferred by source |
|---|---|
| 2× | Grocery stores (incl. delivery) Inferred by source |
| 1× | Everything else Inferred by source |
No lounge access.
| 25% inflight savings | 25% back on American Airlines inflight food & beverage purchases Inferred by source |
|---|---|
| Loyalty Point earning | Earn 1 Loyalty Point per eligible AAdvantage mile toward elite status Inferred by source |
Using AAdvantage MileUp at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each cash advance, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance plus the 3% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The American Airlines AAdvantage® MileUp® Card has no annual fee.
The American Airlines AAdvantage® MileUp® Card earns 2x on american airlines purchases, 2x on grocery stores (incl. delivery), 1x on everything else.
No — the American Airlines AAdvantage® MileUp® Card does not include airport lounge access.
Yes — the American Airlines AAdvantage® MileUp® Card charges a 3% foreign transaction fee.
Offer varies — typically 15,000 bonus miles after $500 spend in 3 months. Welcome offers change frequently — confirm the current one on the issuer's page before applying.