Citi Platinum Select / AAdvantage World MasterCard Review | finder.com

Review: Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® – April 2018

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For the frequent traveler, the Platinum Select / AAdvantage MasterCard from Citi may is a card to consider.

The Citi Platinum Select / AAdvantage World MasterCard is designed with the adventurer in mind, offering bonus miles and airline discounts right from the start. If you make $1,000 or more in purchases within the first three months, you’ll receive 60,000 bonus American Airlines AAdvantage miles. You can rack up miles and airline discounts by using the card for non-travel related purchases as well.

Product NameCiti® / AAdvantage® Platinum Select® World Elite™ Mastercard®
Balance Transfer Rate (not intro)17.24% to 25.24% variable
APR for Purchases ( Purchase Rate )17.24% to 25.24% variable
Annual fee$0 annual fee for the first year ($95 thereafter)
Cash Advance Rate26.29% variable
Card TypeMastercard
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 23 days
Returned Payment Fee$35
Minimum Interest$0.50
Minimum Credit ScoreGood (700-739)
Minimum Age18 years of age
Annual fee$0 annual fee for the first year ($95 thereafter)
Returned Payment Fee$35
Late Payment Fee$35
Cash Advance Fee$10 or 5% of the transaction, whichever is greater

Features of the Citi Platinum Select / AAdvantage World Mastercard

Besides the bonus 60,000 miles you receive when spending more than $1,000 in the first three months, benefits of the card include:

  • Free baggage check. Get free bag check for you and up to four friends. This is good for travel on American Eagle, SkyWest, ExpressJet, Republic or Chautauqua Airlines.
  • Group 1 boarding. Take the stress out of airplane boarding with your Group 1 boarding eligibility, for American Airlines domestic flights. These include American Eagle, SkyWest, ExpressJet, Republic or Chautauqua Airlines. Spend more time relaxing, and less time in line.
  • In-flight purchases. If you pay for your in-flight food and beverages with this card you will receive a 25% discount.
  • No foreign transaction fees: Save more money by using your AAdvantage World Mastercard and know that you’re getting exactly what you paid for.
  • Travel protection. A host of services are offered for your peace of mind, like worldwide travel accident insurance, car rental coverage, lost bag protection, and trip cancellation/interruption reimbursement.
  • American Airlines flight discounts. For each year of card membership that you spend over $30,000, you will receive a $100 discount on an American Airlines flight.
  • Redemption bonus on used AAdvantage miles. Earn 10% of your used AAdvantage miles back for up to 10,000 miles per year.
  • No preset spending limit. Go over your credit limit without paying a penalty as long as you pay it off before the end of the billing cycle.

How does the rewards program work?

The Citi Platinum Select / AAdvantage World Mastercard earns AAdvantage miles on all purchases. Though you won’s eran rewards for cash advances, fees and charges, balances transfers and convenience checks.

The primary cardholder will earn mile for every $1 spent on most eligible purchases. For every $1 spent on eligible American Airlines purchases the primary cardholder will earn AAdvantage miles.

Citi coverage program

This card has an array of insurance and warranty coverage services. These include:

  • Retail purchase protection. Covered from theft, accidental breakage or fire damage for 90 days from the date of purchase on any purchases of up to $1,000.
  • Extended warranty. Extend the US manufacturer’s warranty for up to one extra year on purchases card.
  • Automatic travel accident insurance. Charge plane, train or bus tickets to this card and you and your family will be eligible for complimentary Common Carrier Travel Accident Insurance.
  • Auto rental insurance. Provides coverage on damage or theft if you place the entire rental transaction on the card.
  • Lost luggage coverage. Provides coverage up to $3,000 for you and your family in case of lost, stolen or damaged baggage.
  • Citi Photocard. You can have your signature and photograph added to the front of your credit card. This is useful for people in need of another form of valid photo ID or those who want extra fraud protection.

Compare other Citi credit cards

Rates last updated April 27th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Citi® Double Cash Card
14.74% to 24.74% variable
0% Intro APR for 18 months (with the amount of each transfer, $5 or 3% balance transfer fee)
$0
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
Citi ThankYou® Preferred Card
14.74% to 24.74% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($0 thereafter)
Enjoy our low intro APR for 15 months on purchases and balance transfers.
Citi® Secured Mastercard®
23.74% variable
$0
Start building credit for tomorrow with a secured credit card.
AT&T Access Card from Citi
15.24% to 24.24% variable
$0
Get rewarded for purchases you're already making with the AT&T Access Card, a top rewards credit card from Citi. Apply for the AT&T credit card today and start earning ThankYou® Points redeemable for gift cards, travel rewards electronics and much more.
Citi Simplicity® Card
15.24% to 25.24% variable
0% Intro APR for 18 months from date of first transfer; completed within 4 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
Citi Prestige® Card
16.99% to 24.99% variable
$450 for the primary cardmember
Complimentary 4th night stay at any hotel of your choice after a minimum 4-consecutive night booking through ThankYou.com
Costco Anywhere Visa® Card by Citi
16.49% variable
$0
Earn Costco cash rewards everywhere Visa® is accepted.
Citi® Diamond Preferred®
14.24% to 24.24% variable
0% Intro APR for 21 months (with whichever is greater, $5 or 5% balance transfer fee)
$0
Lowest intro APR for 21 months plus VIP Access.
Citi® / AAdvantage® Executive World Elite™ Mastercard®
16.99% to 24.99% variable
$450
Earn 50000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
Citi® / AAdvantage®  Platinum Select®  World Elite™ Mastercard®
17.24% to 25.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 60000 AAdvantage® bonus miles after you spend $3,000 in the first 3 months.
Citibank AT&T Universal Savings and Rewards Card
13.99% to 23.99% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 10000 bonus ThankYou Points after spending $500 in your first 3 months.
Citibank AT&T Universal Savings Platinum Card
13.99% to 23.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Citi ThankYou® Preferred Card for College Students
15.74% to 25.74% variable
$0
Earn 2500 bonus points after spending $500 within the first 3 months of account opening.
Citi Gold / AAdvantage World Mastercard
16.99% to 24.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($50 thereafter)
Earn 25000 American Airlines AAdvantage® bonus miles after you spend $750 in purchases within the first 3 months of account opening.
Citi ThankYou® Premier Card
15.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy Great Rewards and Earn ThankYou® Points on Dining, Entertainment, Travel and more

Compare up to 4 providers

How to apply for a Citi Platinum Select / AAdvantage World Mastercard

Always consider your options and your financial situation before you apply for a credit card.

Eligibility criteria:

  • Be 18 years of age or older
  • Have a valid Social Security number

If you’re eligible to apply for a Citi Platinum Select Mastercard and feel that the card is right for you, you can apply on the Citi website or by calling their customer hotline.

Required documents:

  • Name and date of birth
  • Email address
  • Social Security number
  • Salary or wages info
  • Bank account details
  • Permanent address
  • Monthly mortgage or rent payments
  • Primary phone number

Bottom line

This credit card has a number of features which make it a good option for people who want to improve their traveling experience. With its generous reward points system lets you earn every time you spend. Always explore your options to find the best card for you.

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