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  American Airline AAdvantage MileUp Mastercard

American Airline AAdvantage MileUp Mastercard

in Personal Credit Cards from Citibank

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American Airline AAdvantage MileUp Mastercard

Unaffiliated

in Personal Credit Cards from Citibank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 17.74% - 25.74%
Credit Score Range 720 - 850
Annual Fee $0
Purchase APR  (Variable APR) 17.74% - 25.74%

American Airline AAdvantage MileUp Mastercard Review

American Airline AAdvantage MileUp Mastercard is a rewards credit card issued by Citibank. If you're wondering whether American Airline AAdvantage MileUp Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

  • Signup bonus. Offers a signup bonus of $50 if you spend $500 within 3 months.
  • Signup bonus. Offers a signup bonus of 10000 after spending $500 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.74% up to 25.74%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You should probably try with another card if your credit score is below 720.
The Good The Bad
  • 25% Savings on Inflight Food and Beverage Purchases
  • Sign up bonus and no mileage cap
  • No annual fee.
  • Earn rewards on every purchase.
  • American Airline AAdvantage MileUp Mastercard reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Travel assistance insurance
  • Some benefits that come with other travel cards are missing here. For example, there are no free checked bags, no preferred boarding, and no lounge access.
  • There is a 3% foreign transaction fee, so this is not the best card to use while traveling internationally..
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card rewards.

Is there a American Airline AAdvantage MileUp Mastercard cash back or rewards program?

American Airline AAdvantage MileUp Mastercard offers a rewards program to its customers.

American Airline AAdvantage MileUp Mastercard Rewards
Rewards rate (all purchases) 1%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) $50
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does American Airline AAdvantage MileUp Mastercard have a signup bonus?

Yes, American Airline AAdvantage MileUp Mastercard offers card users a signup bonus worth up to $50 after spending $500. However, it does include a 10000 points signup bonus after spending $500 that can be redeemed for travel, gifts, or other perks.

Does American Airline AAdvantage MileUp Mastercard offer an annual loyalty bonus?

American Airline AAdvantage MileUp Mastercard doesn't offer a cash loyalty bonus.

What are the American Airline AAdvantage MileUp Mastercard benefits?

American Airline AAdvantage MileUp Mastercard provides the following benefits:

  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for American Airline AAdvantage MileUp Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. American Airline AAdvantage MileUp Mastercard has higher than average purchase APRs.

American Airline AAdvantage MileUp Mastercard has a variable purchase APR that ranges from 17.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 17.74% up to 25.74%. It also has a variable cash advance APR of 26.99% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does American Airline AAdvantage MileUp Mastercard have an introductory APR offer on balance transfers??

No, American Airline AAdvantage MileUp Mastercard does not come with an introductory APR offer for balance transfers.

Does American Airline AAdvantage MileUp Mastercard have an introductory APR offer on new purchases??

American Airline AAdvantage MileUp Mastercard does not offer an introductory rate on new purchases.

What are the American Airline AAdvantage MileUp Mastercard fees?

The following fees apply to American Airline AAdvantage MileUp Mastercard:

American Airline AAdvantage MileUp Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does American Airline AAdvantage MileUp Mastercard have a foreign transaction fee?

American Airline AAdvantage MileUp Mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does American Airline AAdvantage MileUp Mastercard report your account activity to credit bureaus?

American Airline AAdvantage MileUp Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for American Airline AAdvantage MileUp Mastercard

  • Visit the American Airline AAdvantage MileUp Mastercard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 2X AAdvantage Miles at Grocery Stores. 2X AAdvantage Miles on Eligible American Airlines Purchases.
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $39
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 720 - 850
Card Type
  • Airline
  • Balance Transfer
  • Bonus Offers
  • Rewards
  • Travel
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Travel Assistance
Bonus Rewards Earn 10,000 bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.
No Blackout Dates  
Rewards Categories
  • Airfare
  • Every Purchase
  • Groceries
  • Travel
Signup Bonus (points) 10,000
Signup Bonus $50
Cash Advance APR (Variable APR) 26.99%
Balance Computation daily balance (including current transactions)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 17.74% - 25.74%
Balance Transfer APR (Variable APR) 17.74% - 25.74%

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