American Airlines AAdvantage® MileUp Mastercard®
Earn 10,000 AAdvantage® Bonus Miles + $50 Statement Credit
- Regular Purchase APR 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- Earn 10,000 AAdvantage® bonus miles plus a $50 statement credit when you make $500 in purchases within 90 days from account opening
- 2X AAdvantage® miles at grocery stores and eligible American Airlines purchases
- 1X AAdvantage® mile per $1 on all other purchases
- Redeem your miles for trip awards, class upgrades, car rentals, hotel stays, and vacation packages
- 25% savings on in-flight food and beverage purchases
- No annual fee
- Regular Purchase APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99% to 24.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
At a Glance
The American Airlines AAdvantage MileUp Mastercard is a no annual fee airline credit card from Citi. The card, co-branded with American Airlines, earns 2x miles for every dollar spent on ticket purchases or at gas stations. Every other dollar spent on purchases earns a single mile, with no cap on the total number of miles earnable. New accounts also benefit from 10,000 bonus miles – plus a $50 statement credit – after spending $500 in purchases within the first 90 days.
Ideal for Those Who:
- Prefer to fly with American Airlines or American Eagle
- Want to earn miles for every purchase, but don’t want to pay an annual fee for the privilege
- Like the idea of an easily achievable sign-up bonus
American Airlines AAdvantage MileUp Mastercard Review
The American Airlines AAdvantage MileUp Mastercard is a co-branded airline rewards card from American Airlines and Citi. The card is designed to help holders earn AAdvantage miles, American Airlines’ reward currency, with everyday purchases, as well as on eligible airline tickets. The card earns 2x miles on purchases at grocery stores, as well as on eligible American Airlines purchases, and a single mile on every other dollar spent.
A Decent Sign-Up Bonus
Most rewards credit cards come with an initial sign-up bonus – and the AAdvantage MileUp Card is no different. New accounts receive 10,000 bonus AAdvantage miles, plus a $50 statement credit when they use their card to make $500 in purchases within the first 90 days.
What Are AAdvantage Miles Worth?
Frequent flyer miles, like reward points, form other programs, have a set value from the issuer. Typically, these are about one cent per point or mile. Often, however, the value of rewards points and miles differ from what the issuer states. Calculating the value of miles, such as AAdvantage miles, is never precise, but through careful calculation, it is possible to arrive at a sensible estimate.
AAdvantage miles have a current value of around 1.4 cents ($0.014) per mile. This valuation places the 10,000 miles sign-up bonus as a value of around $140. Combining that offer with the $50 statement credit gives new accounts a bonus of between $190 to $200 for spending $500 in 90 days, which is a very solid return on investment.
How to Redeem Miles
The easiest way to redeem miles with AAdvantage MileUp Mastercard is through flights with American. One-way reward flights on American Airlines usually start from about 7,500 miles for trips that begin and end in the continental U.S. or Canada, with flights to Europe starting from about 25,000 miles. Fortunately, AAdvantage members can also apply their miles towards flights with other Oneworld alliance carriers, which includes major names like British Airways, Iberia, Cathay Pacific, Japan Airlines, and more.
Other options for miles redemptions include:
- Hotel bookings through the AAdvantage portal
- Car rentals at over 500 destinations around the world
- Seat and status upgrades with American Airlines or their subsidiaries, including American Eagle
- Vacations booked through the AAdvantage travel portal
- Merchandise or gift cards
- Gifts for friends and family
Beyond the mile-earning potential of the card, the AAdvantage MileUp Mastercard comes with many other useful perks and benefits. Cardholders receive 25% savings on in-flight food and beverage purchases with American Airlines, for example, as well as $500,000 in travel accident insurance coverage. They’ll also receive comprehensive fraud protection, EMV chip technology, and digital wallet capabilities – all for no annual fee.
Should You Apply for the American Airlines AAdvantage MileUp Mastercard?
There are plenty of no annual fee travel cards available, so should you opt for the AAdvantage MileUp Mastercard or find something else? The AAdvantage MileUp Mastercard from Citi is a solid option for those who are already members of the AAdvantage program or prefer to fly with American Airlines.
While the ability to earn 2x miles on ticket purchases and at gas stations is nice, the number of miles necessary to earn a free flight with American (or Oneworld Alliance partners for that matter) requires a hefty purchase regimen. While the 10,000 bonus miles help, it simply isn’t enough to make up the distance between this card and other general travel cards.
If you already fly with American but don’t want to pay an annual fee, the AAdvantage MileUp Mastercard is an okay selection. If, however, you want the freedom to earn miles towards any airline, without the annual fee, consider a general purpose travel card, such as the Discover It Miles Card, the VentureOne Rewards Card from Capital One, or even the Expedia Rewards Card from Citi.