How to maximize the benefits of the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

How to maximize the benefits of the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® How to maximize the benefits of the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Image:

In a Nutshell

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® can turn travel into big-time rewards for American Airlines customers.

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Before we get into the high-flying features of the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Whether you’re a frequent business traveler or someone who travels a few times a year for pleasure, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® brings to the table a long list of benefits and features.

Chief among these is the ability to rack up rewards miles with American Airlines’ frequent-flyer program, AAdvantage®.

With this card in your wallet, you’ll earn two AAdvantage® miles for every dollar spent on eligible American Airlines purchases, and one AAdvantage® mile for every dollar spent elsewhere.

And just by being an account holder, you can earn 10 percent of your redeemed miles back — up to 10,000 miles per calendar year. So if you redeem 60,000 miles in 2017, you’ll get 6,000 miles back into your account.

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Although this card carries an annual fee of $95 ($0 in your first year), it’s important to understand that the value of the benefits may outweigh the cost of the annual fee. Maximizing these benefits can help you get the most out of your travel and leave more money in your wallet when you get back home.


5 ways to maximize the benefits of the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

  1. Make sure you qualify for the sign-up bonus.
  2. Redeem your MileSAAver® award miles.
  3. Take advantage of reduced mileage awards for certain destinations.
  4. Fly with a checked bag — they’re free for you and up to four companions.
  5. Skip the airport lines and buy your food and drinks onboard.

1. Make sure you qualify for the sign-up bonus.

This card currently offers a sign-up bonus of 60,000 American Airlines AAdvantage® miles after you spend at least $3,000 in purchases within three months of opening your account.

You’ll want to make sure you qualify for this bonus to fully maximize the value of this card. With reduced mileage awards starting at 3,750 miles one way if your travel booked is greater than 500 miles in distance (or 1,000 one-way if your travel booked is less than or equal to 500 miles in distance), this bonus holds serious value.

Keep in mind, you shouldn’t stretch your expenses and end up spending more just to get this bonus. Carrying a balance can quickly become costly and take away any potential value from this card. If you don’t think you’ll be able to meet the minimum spend requirement, you may want to consider another card.

2. Redeem your miles for MileSAAver® award space.

When you go to redeem your miles for an award ticket, you’ll be offered several tiers of service. The cheapest seats are at the MileSAAver® award level, and they can be had for as low as 3,750 miles one way when the travel booked is greater than 500 miles in distance (plus any applicable taxes and carrier-imposed fees).

If you’re flying to certain regions like Hawaii, Mexico and Central America and have flexible travel plans, you might even be able to benefit from MileSAAver Off Peak awards, which offer further savings.

Generally speaking, the more flexible you are, the more you can save. Brad Barrett, CPA and co-founder of personal finance website RichmondSavers.com, offers this tip: “If you have specific dates that allow for no flexibility, then you might be frustrated. But by building in flexibility, you will … be able to redeem these miles for maximum value.”

3. Take advantage of reduced mileage awards for certain destinations.

Flexibility can also help you take advantage of reduced mileage awards for several destinations. Cardholders may qualify for 7,500-mile discounts on select round-trip flights of more than 500 miles in distance, and 2,000-mile discounts on select round-trip flights of 500 miles or fewer.

As Barrett puts it, “you’re eligible for reduced-mileage awards on certain routes as a cardholder, and AA updates these awards options (several) times per year.” American Airlines updates the reduced-mileage airports monthly, so be sure to check often to make sure your destination is available.

If you fly to a U.S. destination, you’ll pay $5.60 in taxes and fees per one way award ticket; for Canada, the fees top out at $124.

4. Fly with a checked bag — they’re free for you and up to four companions.

This is another way to potentially save a lot of money when you travel. This benefit stands out because not only will your first checked bag be free, but it also covers up to four travel companions traveling with you on the same reservation.

At $25 a bag each way, this benefit can save a family of five up to $250 on a round-trip flight. So don’t worry about having to cram everything into a carry-on, and rest easy knowing that you’ve got plenty of room to bring everything with you at no added cost.

5. Skip the airport lines and buy your food and drinks onboard.

When you’re flying with American Airlines and you use your card, you’ll get a 25 percent discount on eligible in-flight food and beverage purchases. So if turbulence hits and you need an in-flight cocktail, go ahead and use your card for that discount.

At a glance: Other airline rewards cards to consider

Gold Delta SkyMiles® Credit Card from American Express For frequent Delta Air Lines® travelers
Southwest Rapid Rewards® Premier Credit Card For frequent Southwest Airlines travelers
Citi® / AAdvantage® Executive World Elite™ Mastercard® For high-end perks with American Airlines

Bottom line

You can save a lot of money when traveling with the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®. And you can access a lot of perks just by being an account holder.

Make sure you maximize the card’s value by using all of the benefits offered to you, from planning your trip to redeeming miles on flights with American Airlines or any of its oneworld® and partner airlines.


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