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

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  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
Annual Fee:
$0 intro, $99 after first year
Purchase Intro APR:
Purchase Regular APR:
18.24% - 26.24%*
Balance Transfer Intro APR:
Balance Transfer Regular APR:
18.24% - 26.24%*

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 27.49%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee Up to $39
Penalty APR Up to 29.99%* Variable
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 0%
Return Payment Fee Up to $39


Welcome Bonus

Earn 50,000 miles after you spend $2,500 in the first 3 months.

All Purchases

2 miles per dollar

No cap on spending


2 miles per dollar


2 miles per dollar


2 miles per dollar

Double AAdvantage® miles on eligible American Airlines purchases*

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Great Card for Miles
by krissi924
Helpful to 44 out of 48

I applied for this card despite Credit Karma saying my odds were not great. My TU Score was 681 and my Experian was 709, and I was approved with a credit limit of $8,500. I'm disappointed that it does not earn Elite Qualifying Dollars like the Aviator card does, but I am happy with the fact the annual fee is waived the first year and with the 60k bonus miles after the first $3,000 spent. 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Aggressive Interest Rates
by Alywren
Helpful to 19 out of 21

I have 3 cards with Citi: American Airlines, Simplicity, and Costco. The AA card had an $8,000 limit at opening. They cut my limit in half without notice. The Simplicity card, every time I have made a payment in the last 3 months they have reduced my credit limit to just above that new balance. So now on 2 accounts they have WRECKED my credit rating because the debt to available credit ratio is maxed out. They also have THE highest APR of any company I've banked with. 

And their security is crap. I have only had my credit card compromised 3 times in my adult life. Two of the three were on a Citi Bank credit cards. The problem is they locked my card out, then called me from an unrecognized number and left a spam-like message so I assumed it was spam. It wasnt until I later tried to use that card and found out they'd locked the card for fraud. I contacted customer service and spent 20+ minutes on hold just to have them tell me my card has been hacked and they were sending a new one. It took almost 2 weeks to get a replacement card. I called customer service and every time they asked me to give the 16-digit card number and I had to go through the crappy automated menu to talk to a human and repeat over and over that they hadn't sent my new card so I had no idea what the number was. Other banks I had cards with emailed me, texted, and called to alert me of fraud. Who in this age answers the phone anymore anyway? Especially an unknown 1800 number? The other bank alsohad replacement cards sent overnight. Don't waste your time with Citi. 

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from October 2018 through March 2019. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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