Citi / AAdvantage Platinum Mastercard Card Review 2019

Citi / AAdvantage Platinum Select World Elite Mastercard Card Review 2019

Rating: 4.1 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.

The Citi/ AAdvantage Platinum Select WorldElite Mastercard earns the card holder double miles on all American Airline purchases, gas, and at restaurants. It also can make flying a little bit less of a hassle since the Citi/ AAdvantage Platinum Select WorldElite Mastercard gives the card holder a free checked bag, as well as a few other perks that can be nice when it comes to flying.
Overall, the Citi/ AAdvantage Platinum Select WorldElite Mastercard is a great card with great benefits. Although there are some drawbacks that might have you consider another card, this is certainly one that is worth taking a closer look at to see if the rewards and benefits fit what you are wanting in a travel rewards credit card, especially if you are a frequent flyer with American Airlines.

Citi / AAdvantage Platinum Mastercard

4.1/5
Citi / AAdvantage Platinum Select World Elite Mastercard Credit Card Review 2019

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Our Bottom Line

Competititve With Significant Benefits

 


Credit Rating Requirements

Good – Excellent

Pros
  • No limit on number of miles earned – more you use the card , the more rewards you can get

  • Domestical and International Rewards – Hawaii, Mexico, Central America, and South America and more

Cons
  • $99 Annual Fee- Higher than most of the competitors in the airline category

Highlights

  • No APR increase penalty for late payments
  • Waived Fees and the Sign-Up Bonus
  • Wide network of airlines

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

ProsCons
No Limit on  Miles EarnedBlackout Dates on Some Rewards
Wide Network of AirlinesHigh Fees For Reward Changes
Domestical and International RewardsTravel on Many Partner Airlines Can’t be Redeemed Online
Waived Fees and the Sign-Up Bonus
Free Checked bag and Preferred Boarding

Benefits

Let’s take a look at the benefits of the Secured credit card and see if it’s the right one for your wallet or not.

No Limit on  Miles Earned

One of the best perks about the Citi/ AAdvantage Platinum Select WorldElite Mastercard is that the miles that a card holder can earn are endless, so the more you use the card ,the more rewards you can get. Just make sure to redeem your miles at least every 18 months, because this is when the miles will expire if they haven’t been used. You can redeem your miles for free on the Citi website, which is also a great bonus, as some places don’t allow cardholders this option.

Wide Network of Airlines

A rare feature that the Citi/ AAdvantage Platinum Select WorldElite Mastercard gives to cardholders is the fact that although it is an American Airlines travel rewards card, card holders can use their Citi/ AAdvantage Platinum Select WorldElite Mastercard with other oneworld Alliance Airlines, as well as other partner airlines and still receive the same great perks when it comes to flying.

Domestical and International Rewards

The Citi/ AAdvantage Platinum Select WorldElite Mastercard offers a wide selection of travel rewards both domestically and internationally, including trips to Hawaii, Mexico, Central America, and South America. This is a rather extensive selection that spans a wide range of vacation options that many people will certainly enjoy.

Waived Fees and the Sign-Up Bonus

Although the Citi/ AAdvantage Platinum Select WorldElite Mastercard has an annual fee of $99, this fee is waived for cardholders the first year. There is also a solid sign-up bonus, that gives the card holder 40,000 AAdvantage miles after making $2,000 in purchases in the first 3 months of having opened the account and an additional 10,000 miles after making a total $6,000 in purchases in the first 12 months of opening the account.

Free Checked bag and Preferred Boarding

Being able to have a free checked bag is extremely valuable. With the Citi/ AAdvantage Platinum Select WorldElite Mastercard, the first checked bag is free for you and for up to four other people on your reservation, which can save you as much as $300 dollars round trip per every trip that you take. There is also preferred boarding option is also beneficial so you can get settled into your seat sooner in a lower number boarding group. Liked the checked bags, this perk can be applied to you and four other people on your reservation.

Drawbacks

Let’s take a look at the drawbacks of the Citi / AAdvantage credit card and see if it’s the right one for your wallet or not.

Blackout Dates on Some Rewards

Although this is quite normal for most travel rewards cards, blackout dates on claiming rewards can be a hassle for anyone who is hoping to use these points at a specific time for a reason. The blackout dates on the Citi/ AAdvantage Platinum Select WorldElite Mastercard aren’t anything ridiculous, but it still can be a major inconvenience that no one would want to deal with.

High Fees For Reward Changes

If a cardholder were to claim a reward using the miles that they have accumulated and later try to change the rewards chosen for whatever reason, there is a penalty fee that comes along with this, which is something that other cards like the Barclay Arrival Plus World Elite Mastercard don’t do.

Travel on Many Partner Airlines Can’t be Redeemed Online

As mentioned earlier, the Citi/ AAdvantage Platinum Select WorldElite Mastercard allows miles and benefits to be accumulated on various partner airlines of American Airlines, which is a rare perks that many places don’t allow. Even though this perk is great, trying to redeem these miles on the same partner airlines can’t be done. This can be a major hassle, since cardholders can become accustomed to using the partner airlines for travel, and might want to use one in particular when redeeming their reward miles for a trip.

Alternatives to Citi / AAdvantage Platinum Select World Elite Mastercard

Southwest Rapid Rewards Plus Credit Card

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. The card has a great sign-up bonus, as well as many options for domestic traveling.
The Southwest Rapid Rewards Plus Credit Card is branded by Southwest Airlines. It offers a wide variety of rewards options that extend past the typical travel rewards, which is something that separates the Southwest Rapid Rewards Plus Card from others within the same distinctions. Combine this with a lower annual fee than competitor cards, and it makes sense as to why the Southwest Rapid Rewards Plus Card is a great option to consider adding to your wallet.

Barclaycard Arrival Plus World Elite MastercardBarclaycard Arrival Plus World Elite Mastercard

The Barclaycard Arrival Plus World Elite Mastercard is a great alternative for someone who is looking for a travels rewards card that isn’t necessarily a frequent flier with American Airlines, as this card give you more flexibility since you aren’t locked into one airline. This card has an annual fee of $89 versus the $99 that the Citi/ AAdvantage Platinum Select WorldElite Mastercard offers, and also offers a 0% intro APR for the first 12 billing cycles, which is something that the Citi/ AAdvantage Platinum Select WorldElite Mastercard doesn’t offer at all. The Barclaycard earns two miles per dollar spent, and has a variable APR of 18.24%-25.24% depending on your credit worthiness, which is comparable to the Citi/ AAdvantage Platinum Select WorldElite Mastercard.

United Explorer Credit Card

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. From seat upgrades to 25% off discounts on all in-flight purchases, the United Explorer Card can make flying with United Airlines a much more relaxing process.

Is the Citi / AAdvantage Platinum Select World Elite Mastercard Right for You?

The Citi/ AAdvantage Platinum Select WorldElite Mastercard is certainly worth looking into if you’re in the market for a new card, or just looking for a way to make flying a little bit easier. With the generous sign-up bonus, annual fee waived the first year, and the other benefits that can come along with it, the Citi/ AAdvantage Platinum Select WorldElite Mastercard is a great card all around.