Citi Platinum Select / AAdvantage World MasterCard Review |

Review: Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® – September 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 50,000 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®
Card TypeMastercard
Annual Fee$0 annual fee for the first year ($99 thereafter)
APR (Annual Percentage Rate) for Purchases17.74% to 25.74% variable
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate26.99% variable
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Foreign Transaction FeeNone
Interest Free PeriodUp to 23 days
Minimum Interest$0.5
Late Payment FeeUp to $35
Returned Payment FeeUp to $35
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome BonusEarn 50,000 miles after spending $2,500 in the first 3 months
Reward Value per Dollar1 miles
Rewards Points ExpiryNever

Features of the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Besides the bonus 50,000 miles you receive when spending more than $2,500 in the first 3 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 Citi® / AAdvantage® Platinum Select® World Elite™ 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® / AAdvantage® Platinum Select® World Elite™ Mastercard® earns AAdvantage miles on all purchases. Though you won’t earn rewards for cash advances, fees and charges, balances transfers and convenience checks.

The primary cardholder will earn 1 mile for every $1 spent on most eligible purchases. For every $1 spent on eligible American Airlines purchases the primary cardholder will earn 2 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.

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Updated September 25th, 2018
Name Product Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
15.24% to 25.24% variable
0% for the first 18 months (then 15.24% to 25.24% variable)
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
15.24% to 25.24% variable
for the first 15 months (then 15.24% to 25.24% variable)
Enjoy our low intro APR for 15 months on purchases and balance transfers.
24.24% variable
Start building credit for tomorrow with a secured credit card.
15.74% to 24.74% variable
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.
15.74% to 25.74% variable
0% for the first 18 months (then 15.74% to 25.74% variable)
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.
17.49% to 25.49% variable
Complimentary 4th night stay at any hotel of your choice after a minimum 4-consecutive night booking through
16.99% variable
Earn Costco cash rewards everywhere Visa® is accepted.
14.74% to 24.74% variable
0% for the first 21 months (then 14.74% to 24.74% variable)
Lowest intro APR for 21 months plus VIP Access.
17.49% to 25.49% variable
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
$0 annual fee for the first year ($99 thereafter)
17.74% to 25.74% variable
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first REWARDS.BONUS_POINTS_TIMEFRAME months.
16.24% to 26.24% variable
Earn 2,500 bonus points after spending $500 within the first 3 months of account opening.
$0 annual fee for the first year ($95 thereafter)
16.24% to 25.24% variable
Enjoy Great Rewards and Earn ThankYou® Points on Dining, Entertainment, Travel and more

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How to apply for a Citi® / AAdvantage® Platinum Select® World Elite™ 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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