American Airlines AAdvantage MileUp Card

Earning Rates

Key Benefits

All Benefits

• Welcome offer of 10,000 American Airlines AAdvantage bonus miles plus a $50 statement credit after spending $500 in eligible purchases within the first 3 months of account opening; at The Points Guy's published AAdvantage mile valuation of 1.65 cents per mile the 10,000 miles represent approximately $165 of redemption value, for a combined welcome-offer value of roughly $215 (per the Citi/AAdvantage MileUp Mastercard issuer product page and The Points Guy review of the card)
• $0 annual fee for the life of the account, with no first-year-only waiver mechanic since there is no fee to waive, per the Citi/AAdvantage MileUp Mastercard issuer product page and the Cardmember Agreement Schedule of Fees disclosure (positioned by Citi and American Airlines as the entry-level no-annual-fee personal AAdvantage co-brand product)
• 2 AAdvantage miles per $1 spent on eligible American Airlines purchases (tickets, fees, and other items purchased directly from American Airlines and billed by American as merchant of record, including AA.com, AA reservations, and American Airlines airport ticket counters), per the issuer Citi/AAdvantage MileUp product page and the Cardmember Agreement Reward Rules
• 2 AAdvantage miles per $1 spent at grocery stores, including grocery delivery services (merchants classified by merchant category code as grocery stores and supermarkets; warehouse clubs and superstores are not included), per the issuer Citi/AAdvantage MileUp product page and the Cardmember Agreement Reward Rules
• 1 AAdvantage mile per $1 spent on all other eligible purchases, per the issuer Citi/AAdvantage MileUp product page and the Cardmember Agreement Reward Rules
• AAdvantage miles earned on the card post directly to the cardmember's American Airlines AAdvantage account and never expire as long as the cardmember has AAdvantage account activity (any earning or redemption) at least once every 24 months, per the AAdvantage Program terms referenced by the Citi/AAdvantage MileUp product page
• Loyalty Point earning toward AAdvantage elite status: cardmembers earn 1 AAdvantage Loyalty Point for every 1 AAdvantage mile earned on eligible Citi/AAdvantage MileUp purchases, with Loyalty Points counting toward AAdvantage status tiers (AAdvantage Gold at 40,000 Loyalty Points, Platinum at 75,000, Platinum Pro at 125,000, Executive Platinum at 200,000 per the AAdvantage Program), per the issuer Citi/AAdvantage MileUp product page and the AAdvantage Program terms
• 25% statement credit savings on eligible in-flight food and beverage purchases made on American Airlines-operated flights when the Citi/AAdvantage MileUp card is used; savings are returned as a statement credit and apply to American-operated flights only (Wi-Fi is not included on this entry-level tier as it is on the Citi/AAdvantage Platinum Select), per the issuer Citi/AAdvantage MileUp product page and The Points Guy review of the card
• Citi/AAdvantage MileUp is a Mastercard issued by Citibank, N.A. pursuant to a license from Mastercard International Incorporated, per the Cardmember Agreement and the Citi/AAdvantage MileUp product page (issued on the standard Mastercard network tier, not World Elite Mastercard like the Citi/AAdvantage Platinum Select)
• Authorized users at no additional cost: there is no fee to add additional authorized users to the Citi/AAdvantage MileUp account, and authorized-user purchases earn AAdvantage miles into the primary cardmember's AAdvantage account at the same earning rates per the Cardmember Agreement
• $0 liability for unauthorized charges: cardmembers are not responsible for unauthorized purchases made on the account, per Citi's Identity Theft Solutions and the Citi/AAdvantage MileUp product page
• Citi Entertainment access: cardmembers receive special access to purchase tickets to thousands of events, including presale tickets and exclusive cardmember experiences for concerts, sporting events, dining experiences, and family activities, per the Citi/AAdvantage MileUp product page and Citi Entertainment program terms
• Foreign transaction fee of 3% of each transaction in U.S. dollars on all purchases made outside the United States, per the Cardmember Agreement Schedule of Fees disclosure on the Citi/AAdvantage MileUp product page (this is a meaningful drawback for international travelers and a key differentiator versus the Citi/AAdvantage Platinum Select and Citi/AAdvantage Executive tiers, which both waive foreign transaction fees per The Points Guy and NerdWallet coverage of the AAdvantage card lineup)
• Free first checked bag on American Airlines-operated itineraries: Not Offered on the Citi/AAdvantage MileUp (the issuer Citi product page does not list a free first checked bag benefit; the free first checked bag for the cardmember and up to 4 companions is a perk of the higher-tier Citi/AAdvantage Platinum Select World Elite Mastercard and Citi/AAdvantage Executive World Elite Mastercard, not the entry-level MileUp tier, per The Points Guy review and NerdWallet's coverage of the AAdvantage card lineup)
• Preferred Boarding on American Airlines-operated flights: Not Offered on the Citi/AAdvantage MileUp (the issuer Citi product page does not list Preferred Boarding; Group 5 Preferred Boarding for the cardmember and up to 4 companions is a perk of the higher-tier Citi/AAdvantage Platinum Select and Citi/AAdvantage Executive co-brands, not the entry-level MileUp, per The Points Guy review)
• 25% in-flight Wi-Fi statement credit on American Airlines-operated flights: Not Offered on the Citi/AAdvantage MileUp (the issuer Citi product page lists only the 25% in-flight food and beverage statement credit on MileUp; the broader 25% statement credit that also covers in-flight Wi-Fi purchases is a perk of the higher-tier Citi/AAdvantage Platinum Select per the Citi product pages and The Points Guy review)
• $125 American Airlines flight discount voucher after high annual spend: Not Offered on the Citi/AAdvantage MileUp (the issuer Citi product page does not advertise a flight discount voucher; the $125 AA flight discount voucher after $20,000 of cardmember-year spend is a Citi/AAdvantage Platinum Select benefit, per The Points Guy and NerdWallet)
• 10% AAdvantage miles redemption rebate when redeeming miles for award flights: Not Offered on the Citi/AAdvantage MileUp (the issuer Citi product page does not list a redemption rebate; the 10% AAdvantage miles back when redeeming miles, capped at 10,000 miles rebated per calendar year, is a Citi/AAdvantage Platinum Select benefit, per The Points Guy review)
• Airport lounge access (Admirals Club, Admirals Club day passes, or Priority Pass): Not Offered (the Citi/AAdvantage MileUp product page lists no complimentary lounge access of any kind; Admirals Club membership is a perk of the higher-tier Citi/AAdvantage Executive World Elite Mastercard at the $595 annual fee tier, not MileUp, per The Points Guy review and NerdWallet)
• Global Entry, TSA PreCheck, or NEXUS application fee statement credit: Not Offered (the Citi/AAdvantage MileUp product page does not list a Global Entry, TSA PreCheck, or NEXUS application fee statement credit; this benefit is reserved for the higher-tier Citi/AAdvantage Executive World Elite Mastercard per The Points Guy and NerdWallet)
• Companion certificate or annual companion ticket: Not Offered on the Citi/AAdvantage MileUp (the issuer Citi product page does not advertise an annual companion certificate; companion certificate benefits are associated with the AAdvantage Business co-brand lineup and other co-brands, not the personal MileUp tier, per The Points Guy and NerdWallet coverage)
• Cell phone protection: Not Offered as called out by the issuer (the Citi/AAdvantage MileUp product page and the Cardmember Agreement Benefits disclosures do not list cell phone protection; Citi has not elected to include cell phone protection on the Citi/AAdvantage MileUp per The Points Guy review of the card)
• Trip cancellation, trip interruption, or trip delay insurance: Not Offered as called out by the issuer (the Citi/AAdvantage MileUp product page and the Cardmember Agreement Benefits disclosures do not list trip cancellation, interruption, or delay insurance; Citi discontinued most travel insurance benefits on its consumer cards in 2019 and this card is not an exception per The Points Guy and NerdWallet)
• Baggage delay or lost luggage reimbursement: Not Offered as called out by the issuer (the Citi/AAdvantage MileUp product page and the Cardmember Agreement Benefits disclosures do not list baggage delay or lost luggage insurance, per The Points Guy and NerdWallet)
• Primary or secondary auto rental collision damage waiver: Not Offered as called out by the issuer (the Citi/AAdvantage MileUp product page and the Cardmember Agreement Benefits disclosures do not list auto rental collision damage waiver; Citi discontinued its auto rental insurance benefit on consumer cards in 2019 per The Points Guy and NerdWallet coverage)
• Purchase protection or extended warranty: Not Offered as called out by the issuer (the Citi/AAdvantage MileUp product page and the Cardmember Agreement Benefits disclosures do not list purchase protection or extended warranty; Citi discontinued these benefits on most consumer cards in 2019 per The Points Guy and NerdWallet)
• Concierge service: Not Offered as called out by the issuer (the Citi/AAdvantage MileUp product page does not advertise a complimentary concierge service; the card is on the standard Mastercard network tier rather than World Elite Mastercard, so Mastercard Concierge is also not included per the network's standard Mastercard benefit guide)
• Transfer partners outside the AAdvantage ecosystem: Not Offered (the Citi/AAdvantage MileUp earns AAdvantage miles that go directly to the cardmember's American Airlines AAdvantage account; there are no Citi ThankYou Rewards, Chase Ultimate Rewards, Amex Membership Rewards, or Capital One Miles transfer options on this co-brand product per the issuer Reward Rules and The Points Guy review)
• Elite-night credits, complimentary hotel status, or rental car elite status: Not Offered (the Citi/AAdvantage MileUp product page lists no complimentary hotel elite status, no rental car elite status, and no elite-night credits among the card's benefits per The Points Guy and NerdWallet coverage)