Citi® Platinum Select® / AAdvantage® World MasterCard®

Most Attractive: Earn AAdvantage® rewards miles with eligible purchases, travel perks

Least Attractive: No introductory APR offer

Editor Rating:

Credit Profile: Excellent Credit recommended.

Interest Rates

  • Introductory Rate: N/A*
  • APR (Purchases): 13.99% - 21.99%* (Variable)
  • APR (Cash Advances): 25.24% (V)


  • Annual Fee: $95, waived for the first 12 months
  • Grace Period: See Terms
  • Late Payment Fee: Up to $35
  • Over-The-Limit Fee: See Terms
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Reward Program

  • Points per Dollar: Earn 1 AAdvantage® mile for every $1 spent on purchases
  • Additional Points: Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Point Details: See terms
  • Expiration: See terms
  • Yearly Limit: See terms

The Citi® Platinum Select® / AAdvantage® World MasterCard® card is a fantastic card for those who travel often, specifically with American Airlines, and even has a low on-going purchase APR for tier 1 credit.

Key Features Of The Citi Platinum® Select® / AAdvantage® World MasterCard®

Bonus Intro Offer: Earn 30,000 bonus AAdvantage miles after spending $1,000 on purchases within the first 3 months of cardmembership!

AAdvantage® Rewards: This card offers extensive rewards for those who fly with American Airlines often and want to accumulate AAdvantage® miles.

Extensive Travel Perks: This card offers extensive perks for those who travel often, and specifically for those who travel on American Airlines.

3 Main Advantages

No Annual Fee The First Year: The $95 annual fee is waived for the first year; then is relatively low thereafter considering all the benefits that come with this card.

American Airline Perks: This card is really designed for those looking for travel and airline perks, which are numerous.  Some perks include your first eligible checked bag is free*, Priority Group 1 boarding privileges, 25% savings on eligible in-flight purchases, a $100 American Airlines flight discount each year you spend $30,000 on qualifying purchases, and you can earn 10% of your redeemed AAdvantage® miles back each calendar year (up to 10,000 miles).  Plus, earn double AAdvantage® miles on eligible American Airlines purchases.

Added Travel Perks: The card also offers added general travel benefits such as travel insurance, rental car insurance, up to $3,000 in lost luggage coverage, travel emergency assistance, trip cancellation insurance, and more.

3 Main Disadvantages

No Intro Period: Many other cards in the same category offer additional travel perks and benefits, however these cards also often include an annual fee.

American Airlines Focused: This card is centered around American Airlines, and may not be a good option for those who travel frequently on other airlines.

Designed For Better Credit:  This card is not designed for those with poor or fair credit scores, so keep this in mind when comparing cards.

Editor's Final Word

The Citi® Platinum Select® / AAdvantage® World MasterCard® is a great option for those who travel often and fly often with American Airlines.  The card has an average APR with no introductory rate, but makes up for it in the travel benefits.  If you travel often this is a must have card!


To apply for the Citi® Platinum Select® / AAdvantage® World MasterCard®, click here to be redirected to the issuer's website.

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