Last Updated: 07/28/2025
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card
Claimed
in Credit Cards from Citi®
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +83
Strongly recommended6 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
18.24% - 27.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
18.24% - 27.24%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$99
Number of Reviews
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card Review
This is a travel card issued by Citi®. If you're wondering whether Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 50000 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.24% up to 27.24%.
- $0 intro annual fee for 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.
- A 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Citi AAdvantage card
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Citi AAdvantage card FAQ
Does Citi AAdvantage card have a cash back or rewards program?
Citi AAdvantage card is a travel rewards card.
| Description |
Does Citi AAdvantage card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does Citi AAdvantage card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Citi AAdvantage card benefits?
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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.Does Citi AAdvantage card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Citi AAdvantage card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Citi AAdvantage card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $99.
Does Citi AAdvantage card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Citi AAdvantage card?
The customer service number for Citi AAdvantage card is (800) 950-5114.
What is the support contact email for Citi AAdvantage card?
The support contact email for Citi AAdvantage card is customer.help@citi.com.
What is the login page for Citi AAdvantage card?
You can access the login page of Citi AAdvantage card here.
How do people rate the customer service and user experience of Citi AAdvantage card?
Overall, Citi AAdvantage card is strongly recommended based on community reviews that rate customer service and user experience.
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 to the following credit bureaus:
- 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 build your credit.
Does Citi® perform a hard credit pull?
Yes, Citi AAdvantage card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Citi AAdvantage card
- Visit the website of Citi AAdvantage card.
- 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM