Citi® / AAdvantage® Platinum Select®: Travel Rewards & Exclusive Perks
If you frequently travel with American Airlines, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is a great option to enhance your journeys. With generous rewards, travel perks, and priority benefits, this card helps you make the most of your trips while earning miles on every purchase.
Benefits
With this card, you can enjoy a range of benefits, including:
- Earn AAdvantage® Miles: Earn miles on every purchase and even more on eligible American Airlines purchases.
- First Checked Bag Free: Save money when you travel with American Airlines by enjoying one free checked bag for you and up to four companions.
- Preferred Boarding: Get on the plane earlier and settle in comfortably before your flight takes off.
- 25% Savings on In-Flight Purchases: Enjoy discounts on food and beverage purchases during American Airlines flights.
- Bonus Miles: Receive a substantial welcome bonus when you meet the minimum spending requirement within the first few months of card ownership.
- No Foreign Transaction Fees: Enjoy international travel without worrying about extra charges on purchases made abroad.
- Extended Warranty Protection: Get added protection on eligible purchases, giving you peace of mind when shopping.
- Car Rental Insurance: Automatic coverage when you rent a vehicle using your card, saving you money on additional insurance fees.
Prerequisites
To apply for the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, you must meet the following requirements:
- Be at least 18 years old (or 21 in some states).
- Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Have a good to excellent credit score (typically 700+).
- Provide proof of income that demonstrates your ability to manage credit.
- Be a U.S. resident with a valid address.
About Citi Bank
Citi Bank, a part of Citigroup, is one of the largest financial institutions in the world, with a strong presence in the United States and internationally.
Established over 200 years ago, Citi has built a reputation for providing reliable banking, credit card, investment, and financial services to millions of customers.
Citi is known for its commitment to innovation, offering cutting-edge digital banking solutions that allow customers to manage their finances easily. With thousands of ATMs and branches worldwide, Citi ensures accessibility and convenience for its users.
The bank also partners with major brands, such as American Airlines, to provide valuable co-branded credit cards with exclusive benefits.
Who is this card for?
This card is perfect for frequent travelers who regularly fly with American Airlines and want to maximize their benefits.
Whether you’re a business traveler or someone who loves exploring new destinations, this card ensures you enjoy exclusive perks while earning miles to redeem for flights, seat upgrades, and more.
Additionally, if you frequently make purchases in restaurants and gas stations, this card offers bonus miles in these categories, making it even more rewarding for everyday spending. If you prefer a credit card that enhances both travel and daily life, this is an excellent choice.
How to maximize your AAdvantage® Miles
To get the most value from your Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, follow these strategies:
- Use the card for all eligible American Airlines purchases to earn 2X miles.
- Take advantage of bonus miles categories such as restaurants and gas stations.
- Redeem miles strategically for award flights, seat upgrades, and vacation packages.
- Monitor limited-time promotions and bonus offers from American Airlines.
- Combine your earned miles with AAdvantage® program benefits for maximum travel rewards.
By consistently using your card for travel and daily expenses, you can accumulate miles faster and enjoy premium benefits.
What rewards and programs does the card offer?
The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® allows you to earn AAdvantage® miles on all purchases. The reward program includes:
- 2X miles on eligible American Airlines purchases.
- 2X miles at restaurants and gas stations.
- 1X mile on all other purchases.
- Sign-up bonus when meeting the initial spending requirement.
These miles can be redeemed for flights, seat upgrades, hotel stays, car rentals, vacation packages, and more.
Initial credit limit
The initial credit limit varies based on creditworthiness, but typical ranges include:
- Minimum Credit Limit: $1,000.
- Maximum Credit Limit: $25,000+.
Citi determines the exact limit during the application review process.
Step-by-Step to apply for the card
- Visit the Citi Website: Navigate to the official Citi website and locate the Citi® / AAdvantage® Platinum Select® card.
- Check Your Eligibility: Ensure you meet the necessary credit score and income requirements.
- Complete the Application Form: Fill out the required personal and financial information.
- Submit for Review: Citi will review your application and notify you of the approval decision.
- Receive Your Card: If approved, your card will be mailed to you within a few business days.
Card’s pros and cons
Pros
- Excellent for frequent American Airlines travelers.
- Free checked bag and preferred boarding perks.
- No foreign transaction fees.
- Generous sign-up bonus and earning potential.
- Bonus miles on gas station and restaurant purchases.
- Travel insurance benefits.
Cons
- Annual fee after the first year.
- Limited benefits for those who don’t frequently fly with American Airlines.
- Rewards redemption is mostly airline-focused.
- Requires good to excellent credit for approval.
How to unlock the card?
Once you receive your Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, follow these steps to activate it:
- Online Activation: Visit the Citi activation website and enter your card details.
- Phone Activation: Call the number on the sticker attached to your new card.
- Mobile App: Use the Citi mobile app to complete the activation process.
After activation, set up your PIN and explore your online account to track transactions and rewards.
Fees and Tariffs
While this card offers outstanding travel benefits, it’s important to consider the fees associated with it:
Type of Fee | Details |
Annual fee | Waived for the first year, then $99 per year. |
APR | Variable, based on creditworthiness (typically between 15.99% – 24.99%). |
No Foreign Transaction Fees | A great perk for international travelers. |
Balance Transfer Fee | 5% of the amount transferred, with a minimum of $5. |
Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
Customer service
Citi provides excellent customer service options, ensuring you can get assistance whenever needed:
- Phone Support: 24/7 customer service helpline.
- Online Chat: Access Citi’s secure online chat through your account.
- Mobile App: Manage your card, track miles, and make payments on the go.
- Fraud Protection: Zero liability policy for unauthorized transactions.
The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is an excellent choice for travelers who fly frequently with American Airlines. With valuable perks such as a free checked bag, priority boarding, and AAdvantage® miles on every purchase, this card provides significant savings and an enhanced travel experience.
Beyond travel, this card is also a solid choice for everyday spending, with bonus miles earned at gas stations and restaurants. If you’re looking for a credit card that offers flexibility, exclusive airline perks, and a robust rewards program, this card is a strong contender.
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