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Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: review

Charging an annual fee of $99, waived for first 12 months, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® earns decent AAdvantage miles on spending, offers a handful of benefits for flying on American Airlines and charges no foreign transaction fees.

Pros & Cons


  • Free checked bag for you and up to four companions on domestic American Airlines flights
  • Preferred boarding privileges
  • No foreign transaction fees
  • 25% Savings on Inflight Food and Beverage
  • No limit on mileage earnings
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
  • Add authorized users to your account at no additional charge


  • Lackluster ongoing rewards
  • First checked bag free perk not applicable for international flights
  • Doesn’t have other perks like lounge access or travel protections

Rates, fees & offers

  • Annual fee: $99, waived for first 12 months
  • Bonus offer: Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
  • Intro APR: N/A
  • Ongoing APR
    APR: 15.99% – 24.99% Variable APR
    Penalty APR: up to 29.99%
    Cash Advance APR: 25.24%
  • Balance transfer fee: either $5 or 5% of the amount of each transfer, whichever is greater
  • Foreign transaction fee: None


Travel benefits

  • First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions on the same reservation – savings of up to $300 per round trip
  • Preferred boarding on American Airlines flights
  • 25% savings on inflight food and beverage purchases on American Airlines flights when you use your card

Mileage benefits

  • Earn 2 miles for every $1 spent at restaurants and gas stations
  • Earn 2 miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 mile for every $1 spent on other purchases

Redeeming AAdvantage® Miles

Use your miles to travel to over 1,000 destinations worldwide, with flexible redemption options for one-way or round trip awards on American Airlines. Your AAdvantage® miles can also be redeemed for Business and First Class upgrades, car rentals, hotel stays or vacation packages. The choice is yours.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

  • Social Security Number
  • Gross income
  • Employer name (if applicable)
  • Rent/mortgage amount

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