Citi / AAdvantage Platinum Select World Elite Mastercard Review

Citi / AAdvantage Platinum Select World Elite Mastercard is a rewards credit card issued by Citibank. If you're wondering whether Citi / AAdvantage Platinum Select World Elite Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• Signup bonus. Offers a signup bonus of 50000 points after spending $2,500 within 3 months that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Citi / AAdvantage Platinum Select World Elite Mastercard has a variable purchase APR that ranges from 15.99% up to 24.99%.
• Annual fee waived the first year. Citi / AAdvantage Platinum Select World Elite Mastercard gives you the chance to have the card for a year without paying the $99 annual fee.
• 3% Balance transfer fee. Citi / AAdvantage Platinum Select World Elite Mastercard charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Gas rewards.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, price protection, travel assistance, trip cancellation insurance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Citi / AAdvantage Platinum Select World Elite Mastercard Pros and Cons:

The Good

The Bad

Lower than average purchase APRs. Annual fee waived during the first year. Multiple credit card perks. Extended warranty and price protection on purchases. Travel assistance insurance Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Citi / AAdvantage Platinum Select World Elite Mastercard reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

Requires good to excellent credit. Charges an annual fee of $99 Charges a 3% balance transfer fee.

Is there a Citi / AAdvantage Platinum Select World Elite Mastercard cash back or rewards program?

Citi / AAdvantage Platinum Select World Elite Mastercard offers a rewards program to its customers.

Citi / AAdvantage Platinum Select World Elite Mastercard Rewards

Rewards rate (all purchases)	1%
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	50000
Signup Bonus Spend Requirement	$2500
Signup Bonus Spend Period (months)	3 months
Annual Loyalty Bonus	$125
Annual Loyalty Bonus Spend Requirement	$20000

What are the Citi / AAdvantage Platinum Select World Elite Mastercard benefits?

Citi / AAdvantage Platinum Select World Elite Mastercard provides the following benefits:

• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Price Protection
• Travel Assistance
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Citi / AAdvantage Platinum Select World Elite 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. Citi / AAdvantage Platinum Select World Elite Mastercard has lower than average purchase APRs.

Citi / AAdvantage Platinum Select World Elite Mastercard has a variable purchase APR that ranges from 15.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 24.99%. It also has a variable cash advance APR of 25.24% . 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 Citi / AAdvantage Platinum Select World Elite Mastercard?

The following fees apply to Citi / AAdvantage Platinum Select World Elite Mastercard:

Citi / AAdvantage Platinum Select World Elite Mastercard Fees

Fees	Amount
Annual Fee	$99
Foreign Transaction Fee	0%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

Does Citi / AAdvantage Platinum Select World Elite Mastercard report your account activity to credit bureaus?

Citi / AAdvantage Platinum Select World Elite 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.

How to apply for Citi / AAdvantage Platinum Select World Elite Mastercard

• Visit the Citi / AAdvantage Platinum Select World Elite 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.