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)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
18.24% - 27.24%(Verified 06/21/2024)
Disclaimer popup with additional information
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
| The Good | The Bad |
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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.
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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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
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Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
20.49%
Disclaimer popup with additional information
Balance Transfer APR
20.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
24.74%
Disclaimer popup with additional information
Balance Transfer APR
24.74%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
18.24% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0 - $59
Rating not yet determined
Purchase APR
17.99% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$495
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +83, or 4.7 on a 5-point rating scale.
+83
-1000+100
No one recommends
Everyone recommends
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card Community Reviews
Would you recommend Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card to your friends?
RF
Robelys F.
May 28, 2022
May or may not recommend
They have free fees first year and the transaction are free I love it
JS
Jonathan S.
May 25, 2022
May or may not recommend
As someone who flies constantly this card is perfect for me, especially with the perks this card provides. This coupled with the intuitive customer service team made for an excellent experience with this card.
SJ
Sade J.
May 10, 2022
May or may not recommend
If you are a Frequent flyer this card is perfect for you. There are a lot of perks for frequent flyers for this card.
Jasmin O.
Nov 12, 2021
May or may not recommend
If you are a frequent flyer and use American Airlines or their partner airline,s then maybe this card is for you. I signed up for this card when I started flying frequently to Brazil with American Airlines. Some of the perks of having AAdvantage are a free checked bag preferred boarding on American Airlines flights, and a $125 flight discount each time you spend $20,000. Also, this card gives you ...Show More
SR
Suladys R.
Sep 10, 2020
May or may not recommend
I've been using my Citi AAdvantage Platinum Select credit card for a lot of traveling that I've been doing this year. I have various credit cards for flying because of all of the travel I do. What I love about this one is all of the points I can collect for miles. Not only that, but it's not just affiliated with American Airlines, it also works with all of their ...Show More
Zerome S.
Feb 11, 2019
May or may not recommend
Information above is incorrect - this card DOES NOT reimburse for TSA or Global Entry fees
Showing 6 of 6 reviews
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