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

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® review

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Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Earn double miles at restaurants and gas stations.

30-second take

  • Get this card if you often fly American Airlines.
  • Pick something else if you prefer other airlines or if you want a general travel credit card.
  • Apply with good to excellent credit score of 670 or higher.
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 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 FeeNone
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
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome OfferEarn 40,000 AAdvantage® bonus miles after you spend $2,000 on purchases in the first 3 months. Earn an additional 10,000 bonus miles after making a total of $6,000 in purchases in first 12 months of account opening
Reward Value per Dollar1x miles
Rewards Points ExpirationNever

The basics

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® could be a solid choice if you often fly American Airlines. You get to earn double miles on your airline purchases and at restaurants and gas stations.

A generous signup bonus, savings on your first checked bag, in-flight purchase discounts, preferred boarding and more make this a well-rounded mid-tier travel card.

The perks

  • AAdvantage miles.
    Earn 2x miles at restaurants, gas stations and on American Airlines purchases. Earn 1x miles on everything else you buy.
  • Signup bonus.
    Earn 40,000 bonus AAdvantage miles after you spend $2,000 on purchases in your first 3 months of card membership. Spend a total of $6,000 in your first 12 months and earn an additional 10,000 bonus miles.

Is the annual fee worth it?

The card comes with a $99 annual fee, which is waived for the first year. But if you often fly with American Airlines, you’ll offset the fee not by using the card’s other perks and redeeming miles. For example:

  • If you make two round trips, you’ll save $120 with the first checked bag free perk.
  • If you spend more than $20,000 each calendar year, you’ll get a $100 flight discount.
  • If you spend $3,300 outside of the US, you’ll save $99, as the card has no foreign transaction fees. Other cards have up to 3% fee.
  • If you redeem your miles for a value of 1.5 cents each, you need to spend $3,300 on the 2x miles categories to offset the annual fee.

You’ll also like …

  • First checked bag free.
    A family of four can save $240 on a round-trip flight with this perk alone.
  • Preferred boarding.
    Get preferred boarding, displayed as a Group 5 on your American Airlines boarding pass. This comes after priority boarding is complete but before economy boarding starts.
  • In-flight savings.
    Save 25% on food and beverages purchased on American Airlines flights.
  • Flight discount.
    Earn a $100 flight discount after spending $20,000 with your card in a calendar year.
  • No foreign transaction fees.
    Whenever you use your card outside of the US, you won’t pay any foreign transaction fees.

What to watch out for

  • Annual fee.
    For the first year you’ll pay a $0 annual fee. But starting from the second, the card will cost you $99 every year.
  • Taxes and fees on award flights.
    You’re responsible for paying taxes and fees from $30 per person per award flight.
  • Penalty APR.
    Late or returned payments may cause an increase to your rates of a penalty APR up to 29.99% variable. Once incurred, it may last indefinitely.
  • No intro APR period.
    Airline co-branded credit cards rarely come with an intro APR period. If you’re looking to make balance transfers or carry your balance without paying interest, look for 0% intro APR credit cards.

Compare travel credit cards

Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$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.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
17.99% to 24.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.99% to 26.99% variable
$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 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$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 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees

Compare up to 4 providers

What should I know before I apply?

To apply for the card, you must be at least 18 years old and you must have a valid Social Security number.

In your application, you’ll need to provide your:

  • Name, address and contact information
  • Date of birth and Social Security number
  • Annual income and mortgage or rent payment

What credit score do I need?

Your chances of approval increase if you have good to excellent credit score of 670 or higher.

You can combine cards to earn more miles

  • The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® earns 2x miles at gas stations and restaurants.
  • The AAdvantage MileUp℠ Mastercard® earns 2x miles at grocery stores.

Use the first card when making purchases at gas stations and restaurants, and the second card when purchasing at groceries stores to maximize your mile earning.

What do customers say about the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®?

Customers mostly complain about poor customer service, cards getting frozen when abroad — even when Citi was notified — and the low credit line that some of them have received.

Citibank is rated F by the Better Business Bureau because the bank failed to respond to customer complaints on the BBB website. Also, despite being in business for more than 200 years, Citibank isn’t accredited by BBB.

When you’re traveling abroad, you may want to have a backup payment option on hand — just in case your card gets frozen.

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

  1. Go to Citi website and click Apply now.
  2. Fill out the application with the requested information.
  3. Review your application and submit.

How long will it take to get my Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®?

You can get instant approval on your application. In the event Citi needs additional information, it may take up to 10 days to get a decision.

Once approved, your card should arrive in 7 to 10 business days.

I got the card. Now what?

  • Download the Citi Mobile app. With the app, you can make transfers and pay your bills, lock and unlock your card, reset your PIN, find an ATM and more.
  • Download the American Airlines mobile app. Get flight updates, a mobile boarding pass or simply choose or upgrade your seat — all from your mobile device.
  • Avoid interest and fees. Your due date is 23 days after the close of each billing cycle. Make sure you pay your balance on time to avoid paying high interest and late payment fees.
  • Customer support. If you have any questions, call 800-347-4934 and a customer service representative will assist you.

How do I redeem miles from the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®?

Log in to your American Airlines AAdvantage online account to redeem your miles. Redemption options include:

  • Award flights
  • Seat upgrades
  • Car rentals
  • Hotels stays
  • Vacations
  • Admirals Club membership
  • Gift cards
  • Magazines
  • Newspapers
  • Charitable donations

Bottom line

This can be a solid card if you often fly with American Airlines. You earn double miles on your airline purchases and on some of your everyday purchases, plus you get to earn a generous signup bonus among other perks.

However, if you think there could be a better credit card for you, compare travel credit cards until you find the perfect fit for your financial needs.

Frequently asked questions

Images: Citi.com

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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