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Citi / AAdvantage Platinum Select World Elite Mastercard

in Personal Credit Cards

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Citi / AAdvantage Platinum Select World Elite Mastercard

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in Personal Credit Cards

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Overview

Who is the Citi / AAdvantage Platinum Select World Elite Mastercard Designed For?

Citi / AAdvantage Platinum Select World Elite Mastercard is an excellent option for frequent flyers with American Airlines, particularly those who take long-distance trips. That is because American Airlines, one of the largest airlines in the world, is also one of the last to award reward miles based on how far you travel not on the cost of the ticket. There is certainly no lack of options when it comes to long-distance flights. American Airlines flies to 273 destinations in 51 countries.

What are Citi / AAdvantage Platinum Select World Elite Mastercard's Rates?

The rates for purchases and balance transfers for Citi / AAdvantage Platinum Select World Elite Mastercard range from 17.49% APR to 25.49% APR depending on the credit history of applicants. Cash advances have a rate of 26.74% APR. There is also a 29.99% APR penalty rate for credit card users who make a late payment or a payment that is returned.

What Are the Fees for the Citi / AAdvantage Platinum Select World Elite Mastercard?

-       Citi / AAdvantage Platinum Select World Elite Mastercard has a $99 annual fee. However, the fee is waived for the first year.

-       There are no foreign transaction costs. This is new. Up to 2015, Citi did charge a fee for international transactions.

-       Citi does charge a 3% balance transfer ($5 minimum) and a 5% ($10 minimum) cash advance fee.

-       Late payments and returned payments incur fees of up to $35.

-       There is no over-the-credit-limit fee.

 What Is Citi / AAdvantage Platinum Select World Elite Mastercard's Rewards Program Like?

Citi / AAdvantage Platinum Select World Elite Mastercard gives 2 miles per $1 spent on gas, restaurant and American Airlines purchases and 1 mile per $1 spent on all other purchases. 

What about Citi / AAdvantage Platinum Select World Elite Mastercard's Signup Bonus?

New members earn 60,000 miles after they spend $3,000 within the first three months.

Does Citi / AAdvantage Platinum Select World Elite Mastercard Have Any Other Benefits?

Citi / AAdvantage Platinum Select World Elite Mastercard offers cardholders a wide selection of valuable benefits. These include American Airlines flight perks such as:

-       Group 1 boarding rights on domestic flights
-       Free checked bags
-       Citi private pass (VIP perks and pre-sale tickets)
-       25% savings on in-flight food
-       First checked bag flies free

General travel perks, such as

-       Lost baggage protection (up to $3,000 per person)
-       Travel emergency assistance
-       Travel accident insurance (up to $500,000)
-       Worldwide car rental insurance

And purchase protection benefits, such as

-       Citi’s price rewind
-       Damage and theft protection (up to $1,000 per item)
-       Extended warranty (up to $10,000 a year)


How Is Citi / AAdvantage Platinum Select World Elite Mastercard Better Than Other Credit Cards?

Citi / AAdvantage Platinum Select World Elite Mastercard offers frequent flyers a way to earn a generous signup bonus and valuable travel perks with one of the largest airlines in the world.  

Earning and redeeming points is easy. Travelers earn award miles based on the distance they travel not on the cost of the ticket, which benefits long-distance travelers.

The annual fee is waived the first year. 

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Availability

Available in 50 States and Washington, DC
  • 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

Grace Period / Deferred Interest (Months)
23
Foreign Currency Transaction Fee
0%
No Annual Fee First Year
No Foreign Transaction Fee
Late Payment Penalty
$35
Returned Payment Fee
$35
Minimum Interest Charge
$0.5
Annual Fee
$99
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Credit Score Range
700 - 850
850 300 700
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Customer Type
Personal
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Price Protection
  • Travel Assistance
  • Trip Cancellation Insurance
Lost Luggage Insurance
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Emergency Support
Bonus Rewards
2x
Rewards Categories
  • Airfare
  • Every Purchase
  • Gas
  • Restaurants
Every Purchase
1x
No Reward Expiration Period
Signup Bonus (points)
60,000
Purchases APR
(Variable APR)
17.49% - 25.49%
0% 29%
Balance Computation
daily balance (including current transactions)
Penalty APR
29.99%
Balance Transfer APR
(Variable APR)
17.49% - 25.49%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$5

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