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.
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.
AAdvantage MileUp Card
On City Secure Website
Our Bottom Line
Solid but attractive travel rewards card
Credit Rating Requirements
Good – Excellent
Here’s a summary of the main pros & cons (click to see explanation or scroll down):
American Airlines AAdvantage 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. It also gives 2x miles for every dollar spend at grocery stores, including grocery delivery servicesand more), a broader rewards program ultimately pays off much more for the general consumer.
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. This card also has no annual fee.
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 the American Airlines AAdvantage MileUplacks.
If you fly frequently and consistently use American Airlines, this might be a better alternative. Despite the $99 annual fee after the first year, there is more than enough value to offset that fee.
There is a larger sign-up bonus of 50,000 miles, and this card also gives you a free checked back while traveling. You’ll also earn 2 miles per dollar spent on American Airlines purchases, restaurants and gas stations. Plus, this card grants you preferred boarding and doesn’t charge any foreign transaction fees.
As far as travel cards are concerned, the Wells Fargo Propel American Express Card is a good alternative. This travel card doesn’t have any annual fees, has a 14.99%-26.99% variable APR, and it comes with a generous welcome offer. New applicants can earn 30,000 bonus points when you spend $3,000 in purchases within the first three months of having the card.
These points are equivalent to having a $300 cash redemption value. You’ll also earn ongoing rewards when you use the Wells Fargo Propel American Express Card when you use it purchases in travel, dining, gas stations, and more. Another bonus is also no foreign transaction fee. Much like the American Airlines AAdvantage MileUp Card, this card also requires a high level of credit to qualify.
Is the American Airlines AAdvantage MileUp Card Right for You?
By offering specia 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.