American Airlines AAdvantage MileUp℠ card review | finder.com

American Airlines AAdvantage MileUp℠ Card review

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American Airlines AAdvantage MileUp℠ Card

Earn miles and take advantage of basic benefits.

30-second take

  • Get this card if you occasionally fly American Airlines.
  • Pick something else if you want a general travel card.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameAmerican Airlines AAdvantage MileUp℠ Card
Card TypeMastercard
Annual Fee$0
APR (Annual Percentage Rate) for Purchases18.24% to 26.24% variable
Introductory Purchase APR

N/A

Balance Transfer APR18.24% to 26.24% variable
Introductory Balance Transfer APR

N/A

Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.49% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $39
Returned Payment FeeUp to $39
Minimum Age18 years of age
Welcome OfferEarn 10,000 American Airlines Aadvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.
RewardsEarn 2x AAdvantage® miles at grocery stores, 2x miles on eligible American Airlines purchases and 1x miles on all other purchases.
Base Rewards1x miles

The basics

If you’re looking for an entry-level American Airlines credit card, the American Airlines AAdvantage MileUp℠ Card is the way to go. You’ll earn miles on your American Airline flights and grocery purchases without paying an annual fee.

And that’s pretty much it. If you’re looking for free checked bags and priority boarding, consider upgrading to a higher-tier card.

The perks

  • Earn miles.
    Earn 2x miles at grocery stores and on grocery delivery services, and 2x miles eligible American Airlines purchases. On all other purchases earn 1x miles.Redeem miles for flights or upgrades to First Class, car rentals, hotel stays or vacation packages.
  • Signup bonus.
    Spend $500 on purchases within your first three months of card membership to earn 10,000 American Airlines AAdvantage bonus
    miles and a $50 statement credit.

How can I earn more miles?

Combine the American Airlines AAdvantage MileUp℠ Card with the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® to earn more miles. Use the first card for groceries and the other at gas stations, restaurants and when traveling abroad.

Also, you can qualify for both signup bonuses.

2x miles on American Airline purchases2x miles on American Airline purchases

American Airlines AAdvantage MileUp℠ CardCiti® / AAdvantage® Platinum Select® World Elite™ Mastercard®
2x miles at grocery stores, including grocery delivery services2x miles at gas stations and restaurants
3% foreign transaction feeNo foreign transaction fee
Get 10,000 bonus miles after you spend $500 in the first 3 months of card membershipGet 50,000 bonus miles after you spend $2,500 in the first 3 months of card membership

You’ll also like …

  • No annual fee.
    You won’t pay an annual fee to own the card.
  • In-flight savings.
    Save 25% on in-flight food and beverages when you pay with your card.
  • Apple Pay.
    Simplify your credit card payments by using your Apple device.
  • Citi Concierge.
    Get help with your travel, dining, entertainment and everyday needs, 24/7.

What to watch out for

  • Signup bonus eligibility.
    If you had this card in the last two years, you aren’t eligible for the bonus offer. But if you have or had another American Airline card, you can still qualify.
  • Foreign transaction fee.
    Despite being a travel card, you may want to limit your card usage abroad; you’ll pay a fee of 3% of each transaction.
  • Penalty APR.
    After you make a single late or returned payment, you’ll pay a fee and incur a penalty APR of up to 29.99% variable and lasts indefinitely.
  • No intro APR period.
    If you’re looking to transfer your balance or make a large purchase and pay off your balance interest-free, consider a 0% intro APR card.

How many American Airlines miles does a one-way flight in the US cost?

According to the American Airlines website as of January 2019, you can get one-way main cabin MileSAAver award flight in continental US for as low as 12,500 miles.

Compare travel credit cards

Name Product Welcome Offer Rewards Annual Fee
50,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 miles after spending $1,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 points after spending $1,000 in the first 3 months
7x points on direct purchases within the Hilton Honors portfolio. 5x points at US restaurants, US supermarkets and US gas stations. 3x points on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees

Compare up to 4 providers

Bottom line

The American Airlines AAdvantage MileUp℠ Card can be a great choice if you don’t fly often and if you want to earn miles on groceries. It can also be a great choice if you already own the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and you want to get the most miles possible.

However, if you think there could be a better card for you, check out other travel credit cards or look into airline credit cards and compare your options.

Frequently asked questions

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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