Citi® Platinum Select® AAdvantage® World MasterCard®


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Citi® Platinum Select® AAdvantage® World MasterCard®
Back

Earn 12,500 Bonus Miles After The First Purchase
Earn 1 AAdvantage® Mile For Every $1 Spent On Eligible Purchases - Up To 100,000 Miles Per Year
No Blackout Dates For AAdvantage Award Travel On American Airlines, American Eagle And AmericanConnection® Carriers
No Pre-Set Spending Limit
AAdvantage® Miles May Never Expire
Reduced Mileage Awards – 7,500 Fewer Miles To Select Destinations

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
NA*	NA*	15.24%*	$85*	Yes*	Good Credit*

Issued by: Citibank

* Please see the card issuers' websites for additional details and the terms and conditions of each card program. We make every effort to maintain current and accurate information. All credit card information is presented without warranty. To see full program details, click on the "Apply Now" then review the issuer's website.

Card Review:

The Citi® Platinum Select® AAdvantage® World MasterCard®, one of several Citi® AAdvantage® credit cards offered by Citibank, is designed for those with very good credit who travel regularly on American Airlines.

Through the reward program, cardholders earn one mile for every dollar spent on the card that can be applied towards free travel via American Airlines and participating partners. The card has a maximum of 100,000 miles that can be accumulated each year; however, Advantage Executive Platinum®, AAdvantage Platinum®, and AAdvantage Gold® members are excluded from this limit. Miles have no expiration as long as there is account activity at least once every three years.

At first glance, it may be difficult to distinguish between all of the Citi® AAdvantage® credit cards due to their close similarities. This platinum card has minor differences, in that, it offers 12,500 bonus miles for the first purchase and a no 'pre-set spending limit' policy, which simply means that cardholders can occasionally exceed their credit limit based on their payment history and credit.

Of course, cardholders can expect several platinum benefits, such as up to $1,000,000 in travel accident insurance, auto rental insurance, and a personal concierge service.

The APR for purchases is reasonable for a reward card. The annual fee of $85 is slightly high and there is a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.

Therefore, those who can afford to pay in full each month (to avoid finance charges), do not plan to spend more than $100,000 on the card a year (due to the yearly limit on miles), and will be able to earn a free ticket within a one-year period (due to the high annual fee), will benefit most from what the Citi® Platinum Select® AAdvantage® World MasterCard® has to offer.

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