Main Features
| Feature Title | Feature Description |
| Welcome Bonus | Earn 15,000 bonus miles after $1,000 in purchases within the first 3 months. |
| Intro APR | 0% Intro APR for 15 months on balance transfers only (must be completed in first 4 months). |
| Inflight Savings | 25% savings on inflight food and beverage purchases on American Airlines flights. |
| Add On Cards | You can get authorized user cards for family members and earn miles on their purchases. |
| Loyalty Points | Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned. |
| Global Access | Access to over 1,000 destinations in 150 countries via the Oneworld® alliance. |
Reward Features
| Reward Feature | Benefit |
| Grocery Stores | 2X AAdvantage® miles for every $1 spent |
| American Airlines Purchases | 2X AAdvantage® miles for every $1 spent |
| All Other Purchases | 1X AAdvantage® mile for every $1 spent |
| Maximum Miles | No mileage cap |
| Reward Credit Time Limit | Usually posts to your AAdvantage® account in 8-10 weeks |
AAdvantage® MileUp® Card Fees and Charges
| Fees Title | Fees You Need To Pay |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of the U.S. dollar amount of each purchase |
| Balance Transfer Fee | $5 or 5% of the transfer amount (whichever is greater) |
| Cash Advance Fee | $10 or 5% of the advance amount (whichever is greater) |
| Standard Variable APR | 19.49% – 29.49% (based on creditworthiness) |
Rewards Exclusion
Please note that you will not earn miles on every purchase and shopping category. The American Airlines AAdvantage® MileUp® card has a lot of exclusions as well. Here is the full list of transactions and categories which are excluded from earning miles. If you make a payment using the card in these categories, you will not receive any AAdvantage® miles or Loyalty Points at all:
- Balance transfers
- Cash advances
- Checks that access your credit card account
- Interest and account fees
- Traveler’s checks and foreign currency purchases
- Money orders and wire transfers
- Lottery tickets and gaming chips
- Car rentals and hotel reservations (even if booked via AA)
- General merchandise/discount superstores (e.g., Walmart, Target)
- Wholesale/warehouse clubs (e.g., Costco, Sam’s Club)
- Cafes, bars, lounges, and fast food restaurants
This is a huge drawback of the AAdvantage® MileUp® card. For a travel-branded credit card, charging a 3% foreign transaction fee makes this card practically useless for international travel. Furthermore, the bank has excluded popular everyday food categories like fast food and cafes from their 2X grocery multiplier.
Eligibility for AAdvantage® MileUp® Card
While most people are eligible for the MileUp® credit card, there are a few things you should consider that will benefit your application process. Firstly, this card is only available for personal, family, or household use; you can not apply for it for commercial or business purposes. The card offer is strictly available to individuals who reside in the United States and its territories (excluding Puerto Rico and the U.S. Virgin Islands).
To apply for the card, your credit score must be in good standing. Most importantly, you are not eligible for the welcome bonus if you have received a new account bonus for a MileUp® account in the past 48 months, or if you converted another Citi card into a MileUp® card in the last 48 months.
How to Apply
Applying for the AAdvantage® MileUp® credit card is very easy. You can apply for the card online through the Citi website or via American Airlines’ promotional portals. You will need an open AAdvantage® program membership in your name to apply.
Things you must know about the AAdvantage® MileUp® Card
While many people apply for the credit card, looking at just the rewards and benefits, there is some crucial information that they entirely miss out on. Before applying, please read the following factual information about this travel credit card carefully.
Many purchase categories are excluded from the 2X grocery bonus. Before applying, make sure to look at them and determine if the card covers your use case. For example, if you buy most of your groceries at a wholesale club or a discount superstore, you will not get the 2X bonus miles from this card.
Furthermore, the 0% Intro APR for 15 months applies only to balance transfers. Interest will be charged on your standard purchases immediately unless you pay your entire balance due (including those transferred balances) by the due date each month.
Finally, earning the 15,000 bonus miles requires you to spend $1,000 in the first 3 months, but keep in mind that many merchants wait for a purchase to ship before posting it to your account, so do not wait until the last minute to meet your spending threshold.
Card Issuer: Citibank / American Airlines
Fees and Rates
| Fee Type | Amount/Rate | Details |
| Annual Fee | $0 | No annual fee ever |
| Regular APR | 19.49% – 29.49% | Variable rate based on creditworthiness |
| Intro APR | 0% for 15 months | Applies to balance transfers only (must be done in first 4 mos) |
| Foreign Transaction Fee | 3% | Applied to the US dollar amount of each purchase |
| Balance Transfer Fee | $5 or 5% | Whichever is greater |
| Cash Advance Fee | $10 or 5% | Whichever is greater |
| Penalty APR | Up to 29.99% | Applied for late or returned payments |
Rewards and Benefits
| Reward Feature | Description | Terms |
| Rewards Type | Airline Miles | American Airlines AAdvantage® Miles |
| Base Rate | 1X on all other purchases | Standard earning rate |
| Bonus Categories | Grocery stores, AA purchases | Enhanced 2X earning |
| Sign-up Bonus | 15,000 Miles | After $1,000 spend in first 3 months |
| Rewards Expiration | No expiration | As long as the account remains active |
| Transfer Partners | Oneworld® alliance | 13 global partner airlines (e.g., British Airways) |
Requirements
| Requirement | Specification | Additional Notes |
| Credit Score | Good to Excellent | Typically 670 or above |
| Residency | U.S. Residents only | Excludes Puerto Rico & U.S. Virgin Islands |
| Loyalty Account | Required | Must have an open AAdvantage® account |
Credit Card Features
| Feature | Availability | Description |
| Mobile App | Available | Citi Mobile App for management |
| Digital Wallet Support | Supported | Apple Pay, Google Pay |
| Contactless Payment | Yes | Tap to pay functionality (EMVCo) |
| Fraud Protection | Standard | Citi reserves the right to close accounts for misuse |
Customer Service and Support
| Service Type | Details | Availability |
| Support Channels | Phone, Online Account | Multiple options |
| International Support | Available | Note the 3% foreign transaction fee if used abroad |
| Application Time | 5-10 Minutes | Online application |
User and Expert Ratings
| Rating Category | Star Rating | Score | Description |
| Overall Rating | ★★★★☆ | 4.0/5 | Solid no-annual-fee airline card |
| Rewards Program | ★★★★☆ | 4.1/5 | Great for everyday grocery shoppers |
| Fees & Costs | ★★★☆☆ | 3.5/5 | Brought down by the 3% foreign transaction fee |
| Ease of Approval | ★★★★☆ | 4.0/5 | Standard Citi approval odds |