American Airlines AAdvantage MileUp Credit Card Review 2020

Rating:
4/5
4 stars out of 5

The Smart Investor has collected card information independently. Issuers did not provide the details, nor are they responsible for their accuracy. The review is not a recommendation, the actual rates/fees may be different.

This card is good for infrequent American Airlines flyers who are looking for an introduction to AAdvantage miles, as both the travel point and the everyday point accumulation is good – it earns the user bonus miles on grocery purchases. This along with the fact that it does not have an annual fee makes it an appealing card to people who are new to travel rewards.

Purchases that are through American Airlines automatically give 2x miles for every dollar spent, as well as for every dollar spend at grocery stores, including grocery delivery services. 

In addition, you earn 1 mile for every $1 spent on other purchases

The card offers  10,000 American Airlines AAdvantage® bonus miles and a $50 statement credit after $500 in purchases within the first 3 months of account opening

However, there are better cards out there as far as travel rewards credit cards are concerned, and depending on the card holders credit history, travel needs and frequency, a potential card holder might want to explore other options before jumping at the American Airlines AAdvantage MileUp Card. In spite of that, most of the travels cards charge an annual fee.

AAdvantage MileUp Card

American Airlines AAdvantage MileUp Credit Card Review

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PROS

CONS

Highlights

Here’s a summary of the main pros & cons (click to see explanation or scroll down):

Pros

Cons

American Airlines Advantage MileUp Card – Benefits

The miles that a cardholder accumulates can be redeemed in a number of ways, which include using miles for travel to over 1,000 worldwide destinations on both one-way and round trips. 

These miles can also be redeemed to upgrade seats to business and first class on flights, car rentals, hotel stays, and vacation packages. Since there is no limit to the number of miles that a person can accumulate, the trip possibilities are rather endless.

Let’s take a closer look at the benefits and drawbacks of the American Airlines AAdvantage MileUp Card – and whether or not it’s right for your wallet…

Purchases that are through American Airlines automatically give 2x miles for every dollar spent, as well as for every dollar spend at grocery stores, including grocery delivery services. 

In addition, you earn 1 mile for every $1 spent on other purchases

Something that is also note-worthy is that there is no limit to the number of miles that a card holder can accumulate, making the possibility of overall rewards rather high for long-term card holders.

The card offers 10,000 bonus miles and a $50 statement credit when you sign up, and has a relatively low spending limit to get this sign-up bonus: $500 over the course of three months.

This card does stand in a category of its own as a rare card that is a co-branded airline credit card that doesn’t charge an annual fee to keep, which is certainly something that is appealing to card holders. 

The vast majority of travel rewards credit cards do charge an annual fee.

While this isn’t a major benefit to the card, the extra perk of having additional savings while actually on your flight is always welcome, considering how expensive in-flight purchases can be.

Citi also covers a wide-ranging amount of benefits such as worldwide car rental and travel accident insurance, trip cancellation/interruption protection in the case of unforeseen circumstances. 

This card also gives users the access to Citi Private Pass and Citi Concierge.

American Airlines AAdvantage MileUp Card – Drawbacks

Here are the most important cons you should consider before apply to My Best Buy Visa card:

While this card is a travel rewards card, there are limitations to what it has to offer. 

A good reason to get an airline card is for the extras you get like free checked bag, priority check-in or boarding, and other perks. The American Airlines AAdvantage MileUp Card doesn’t come with any of those extras.

Being able to earn 2 miles for every dollar spent on groceries isn’t bad. But there are other cards that offer higher rates in this category. 

The Blue Cash Everyday Card from American Express, for example, offers 3% cash back at U.S. Supermarkets and 2% cash back at U.S. gas stations. 

If you plan on taking a trip abroad, you might want to consider leaving this card at home. 

Any transaction put on this card outside of the U.S. will result in you paying an extra 3% on the purchase. This is something that many other travel cards don’t charge.

Alternatives to American Airlines AAdvantage MileUp Card

Several other credit cards provide similar rewards to the American Airlines AAdvantage MileUp while also offering a couple of features that this card lacks:

The Citi/ AAdvantage Platinum Select WorldElite Mastercard earns the card holder double miles on all American Airline purchases, gas, and at restaurants. 

The card offers 2 miles for every $1 spent at restaurants and gas stations and eligible American Airlines purchases . In addition, you’ll earn earn 1 mile for every $1 spent on other purchases. 

The Citi/ AAdvantage Platinum  sign-up bonus gives the card holder 50,000 AAdvantage miles after making $2,000 in purchases in the first 3 months of having opened the account

However, the card comes with $99 annual fee and the standard variable APR for purchases is 15.99% to 24.99% based on your creditworthiness

The United Explorer Card is a Visa credit card offered through Chase bank that is an Airline branded card through United Airlines. This card is designed entirely for frequent fliers of United Airlines, and has great perks that make the cardholders overall travel experience less expensive and much more stress-free. 

With United Explorer card, you can earn 2 miles per $1 spent on United purchases, at restaurants and on hotel stays and  mile per $1 spent on all other purchases, The miles that you accumulate through using this card don’t expire, just so long as the account is active. 

When you sign up for the United Explorer Card, the new cardholder will receive 60,000 bonus miles after spending $3,000 or more in the first three months that the account is active. 

The card comes with an annual fee of $69 ($0 intro annual fee for the first year) and the variable APR is 16.49% – 23.49%, based on your credit worthiness. 

When it comes to a travels rewards card that can be beneficial to both loyalty users as well as a more casual spender, the Southwest Rapid Rewards Plus Credit Card is the best of both worlds. 

You’ll be able to earn 2 points per $1 spent on Southwest Airlines flights, hotel & car rental partners and 1 point per $1 spent on all other purchases made with your card

You’ll also earn 3,000 anniversary points after your Cardmember anniversary

When new card holders sign up for the Southwest Rapid Rewards Plus Credit Card, they will get 40,000 points after spending $1,000 on purchases within the first three months the account is open.

The card comes with an annual fee of $69. In spite of it’s lower compared to other travel cards, it’s still something you should take into account.

Is the American Airlines AAdvantage MileUp Card Right for You?

By offering special benefits for loyal customers, the American Airlines AAdvantage MileUp card is certainly designed for people who are flying multiple times each year for various reasons, whether it be work, leisure, or both.

This along with the fact that it does not have an annual fee makes it an appealing card also to people who are new to travel rewards.