Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card Review

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

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.
• 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%.
• Annual fee waived the first year. Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card gives you the chance to have the card for a year without paying the $99 annual fee.
• 5% Balance transfer fee. Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card 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.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Gas rewards. on eligible fuel purchases.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Citi AAdvantage card

The Good

The Bad

Annual fee waived during the first year. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty and price protection on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card reports to multiple credit bureaus.

Higher than average purchase APRs. Charges an annual fee of $99 Charges a 5% balance transfer fee.

Citi AAdvantage card FAQ

Does Citi AAdvantage card have a cash back or rewards program?

Citi AAdvantage card is a travel rewards card.

Citi AAdvantage card Rewards

Minimum rewards rate	1x
Max rewards rate	2x
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 card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Citi AAdvantage card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card 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 Citi AAdvantage card?

The following fees apply:

Citi AAdvantage card Fees

Fees	Amount
Annual Fee	$99
Foreign Transaction Fee	0%
Returned Payment Fee	up to $41
Late Payment Fee	up to $41

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

Yes, Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card 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 Citi AAdvantage card

• Visit the Citi AAdvantage card 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.