Review of the Citi AAdvantage Platinum Select World Mastercard

The Citi Platinum Select AAdvantage World Mastercard was last reviewed on 27th June 2006

citi platinum select aadvantage world mastercard
Summary - We recommend the Citi Platinum Select AAdvantage World Mastercard to frequent flyer of American Airlines. This card allows the AAdvantage frequent flyer to earn points. Find out more about this card.

Reward Formula - The Citi Platinum Select AAdvantage World Mastercard allows the cardholder to earn one AAdvantage mile for every dollar you spend on purchases on the card. As a sign-in bonus, new cardholders get 15,000 miles after your first purchase. You can earn up to 100,000 miles in one calender year, but Executive Platinum, Platinum and Gold members can earn unlimited miles.

Annual Fee and APR - There is an annual fee of $85.00, but the first year fee is waived. The apr is at prime rate plus 9.99%, which appears to be the standard rate for all airline credit cards. Citibank uses the average daily balance method to calculate monthly balances.

Key AAdvantage Highlights - Here are a few key features of the AAdvantage program.

1. AAdvantage members face no blackout dates for AAdvantage award travel on American Airlines, American Eagle & AmericanConnection carriers

2. American Airlines partners with over 25 of the world�s top airlines, major car rental companies and hundreds of luxurious hotels worldwide

3. Platinum Select Card members enjoy Reduced Mileage Awards 7,500 fewer AAdvantage miles to select destinations

4. Small business related articles and advice and even personal business assistant.

Conclusion - Citibank issues three AAdvantage credit cards, the Bronze, Gold and Platinum Select. The Platinum Select is supposed to be a step up from the Gold version. The annual fee at $85.00 is more than the $50.00 annual fee of the Gold version. With the Platinum Select version, you get 15,000 bonus points instead of 12,500 after your first purchase. Non-elite members can earn up to 100,000 miles with the Platinum version versus 60,000 miles for the Gold card. (Bear in mind that elite members can earn unlimited miles). Platinum Select cardholders also get a annual 7,500 reduced miles bonus which allows cardholders on selected rewards to use 7,500 less miles than normally required. The Gold card reduced mile bonus is slightly less at 5,000.

However, for the extra annual fee, the Platinum Select Card does not allow you to earn double miles. If the extra benefits matter to you, then the Citi� Platinum Select�/AAdvantage� World MasterCard� should be your choice. However, if the extra benefits do not matter that much, then perhaps the Citi� Gold/AAdvantage� World MasterCard� with the lower annual fee makes more sense.

  • 15,000 bonus miles
  • First year annual fee waived
  • 5,000 reduced miles offered every year

Citi Platinum Select/AAdvantage World Mastercard
Miles Benefits
Sign-on Bonus 15,000 miles after first purchase
Miles Accumulation 1 mile for every $1 spent on purchases
Anniversary Bonus 3rd Quarter Reduced Miles Award allows cardmembers to use less miles (save as much as 7500 miles) if redeemed in 3rd quater on specific offers
Miles Expiration no expiration if account is active within 36 months
Caps on miles 100,000 - Aadvantage Executive Platinum, AAdvantage Platinum and AAdvantage Gold members can earn unlimited miles
Credit Limits no preset spending limits
Travel and Insurance Benefits
Up to $1,000,000 Travel Insurance
Luggage insurance
Auto rental insurance
Travel and Emergency assistance
Other Benefits
Purchase liability protection
No blackout dates
Cost/Fees/Interest rates
Introductory rate none
Annual Fees $50.00
Purchase APR Prime Rate plus 9.99%
Balance Transfer APR Prime Rate plus 9.99%
Cash Advance APR Prime Rate plus 14.99% min 19.99%
Penalty/Default Rate Prime Rate plu 23.99%, min 25.99%
Overdraft Advance Rate 13.99% fixed (not available in some states>
Min Finance Charge $1.00
Grace Period 20 days
Balance Calculation Method Average Daily Balance
Balance Transfer Fee n.a
Convenience checks fee n.a
ATM Cash Advance fee 3% min $5.00
Other Cash Advance fee 3% min $5.00
Foreign Currency Conversion fee 2%
Over-the-credit-limit fee none
Late Payment fee $15.00 up to but less than $100
$29.00 from $100-$1000
$39.00 for more than $1000

Apply for the Citi� Platinum Select�/AAdvantage� World MasterCard�

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