American Airlines AAdvantage® MileUp Mastercard®

American Airlines AAdvantage® MileUp Mastercard® Review

This is a rewards card issued by Citi®. If you're wondering whether American Airlines AAdvantage® MileUp Mastercard® is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of up to $50 if you spend $500 within 3 months.
• Signup bonus. Offers a signup bonus of 10000 points 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 18.24% up to 27.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 5% Balance transfer fee. American Airlines AAdvantage® MileUp Mastercard® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
• 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 will have low approval odds if your credit score is below 700.

Pros & Cons of American Airlines AAdvantage® MileUp Mastercard®

American Airlines AAdvantage® MileUp Mastercard® FAQ

Does American Airlines AAdvantage® MileUp Mastercard® have a cash back or rewards program?

American Airlines AAdvantage® MileUp Mastercard® is a travel rewards card.

What are the American Airlines AAdvantage® MileUp Mastercard® benefits?

It 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 Airlines AAdvantage® MileUp Mastercard®?

American Airlines AAdvantage® MileUp Mastercard® has a variable purchase APR that ranges from 18.24% up to 27.24%. The card has a variable balance transfer APR that ranges from 18.24% up to 27.24%. It also has a variable cash advance APR of 27.49% . 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.

What are the fees for American Airlines AAdvantage® MileUp Mastercard®?

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

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

Yes, American Airlines 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 may help improve your credit.

How to apply for American Airlines AAdvantage® MileUp Mastercard®

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