Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Editor's Rating

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The best credit card offer from American Airlines.
Citi® /  AAdvantage® Platinum Select® World Elite™ Mastercard®
This product is not available through ValuePenguin.
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Editor's Rating

?
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers.","showIcon":false,"tooltipLabel":"?"}

The best credit card offer from American Airlines.
Citi® /  AAdvantage® Platinum Select® World Elite™ Mastercard®
This product is not available through ValuePenguin.
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Citi is an advertising partner.

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is the best credit card for earning American Airlines miles. It lets you Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases. This extends the functionality of the card and makes it a great card to keep in your wallet at all times, which isn't common among airline credit cards.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review: Our Thoughts

Of the several credit cards offered by American Airlines, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® ranks as one of the best due to a great rewards structure and the card's reasonable annual fee of $99, waived for first 12 months. Very few other airline cards offer several categories in which you'll earn double miles. Spending at gas stations and at restaurants, for example, are not common categories where other airline cards will earn you additional miles.

The card also gives cardholders access to a few American Airlines benefits, all of which make traveling just a bit more hassle-free or affordable. For instance, you won't have to worry about securing overhead space for your bag since you'll be able to get your first checked bag free on domestic AA flights. This benefit alone, when used enough times, can offset the annual fee you pay on the card.

One of the better benefits on the card is the ability to board after priority boarding and before the rest of economy. It'll help you get on the plane faster and secure an overhead space for your carry-on should you choose not to use the free checked bag benefit.

However, the rewards you'll earn with the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® aren't very flexible. You can redeem miles for flights with American Airlines or other oneworld airline partners. To get the most out of the card, you'll have to travel with a very specific set of airlines. Otherwise, it may make sense to look at more general travel cards.

Bottom line: We consider the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® to be the best credit card for earning American Airlines miles. Those who travel with the airline at least a couple of times per year will be able to get the most value out of the card's benefits. However, if you're open to flying with other airlines, you'll want to consider a few other options, which we discuss below.

Be sure to read our comprehensive overview on getting elite status with American Airlines.

How Does the Card Compare to Other Cards?

If you already fly with American Airlines frequently, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is a solid card choice. However, if you're after luxury travel benefits, like lounge access, or if you're after a card that allows you to redeem miles or points with other airlines, there are other card choices you should consider.

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® vs the Citi® / AAdvantage® Executive World Elite™ Mastercard®

Citi® / AAdvantage® Executive World Elite™ Mastercard®

  • On Citi's Secure Website

$450

15.99% - 24.99% (Variable)

Excellent

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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The Citi® / AAdvantage® Executive World Elite™ Mastercard® offers much better benefits than the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, but in return it requires a $450 annual fee. The high fee can be well worth it for people who value comfort and want status with American Airlines. You'll get access to Admirals Club locations, which are packed with amenities such as complimentary snacks and shower suites. These lounges are great places to decompress while you wait for your flight to board. The Citi® / AAdvantage® Executive World Elite™ Mastercard® can also earn you Elite Qualifying Miles (EQMs), which will help you get status with American Airlines faster, unlocking even more benefits.

In terms of ongoing rewards for everyday purchases, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® actually has this credit card beat. The Citi® / AAdvantage® Executive World Elite™ Mastercard® awards Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases & 1 AAdvantage® mile for every $1 spent on other purchases.

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® vs the Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
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Between these two cards, the Chase Sapphire Preferred® Card will be the better choice for people who don't have an airline preference. That's because, unlike the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, the Chase Sapphire Preferred® Card has a dynamic rewards program that allows you to transfer your points to different airlines, including United Airlines and Southwest Airlines. With the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, your redemption options will be much more limited. The difference in annual fees is small, so the choice between them should be made based on your travel preferences.

It's worth noting that if you choose to apply for the Chase Sapphire Preferred® Card, you'll be losing out on some of the airline-specific benefits offered by the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®. For instance, you won't be able to check a bag for free or board the plane any faster. Again, these are only available on American Airlines flights, so they'll only be valuable if you're frequently on AA-operated flights.

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® vs the American Airlines AAdvantage MileUp℠ Card

American Airlines AAdvantage MileUp℠ Card

  • On Citi's Secure Website

No Annual Fee

15.99% - 24.99% Variable

Excellent

  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
  • No Annual Fee
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Most people would be better off applying for the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® over the American Airlines AAdvantage MileUp℠ Card due to its rewards and benefits. We recommend the American Airlines AAdvantage MileUp℠ Card over the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® only for people who are strictly interested in a card with no annual fee. Keep in mind that Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® users who spend at least $20,000 per year during their first card membership year and renew the card will get a $125 American Airlines flight discount. This discount effectively negates the card's annual fee for these users.

Even if you don't spend that much on your credit card, there are other avenues through which you can recoup the cost of the annual fee on the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®. In comparison, the American Airlines AAdvantage MileUp℠ Card lacks many of the extra benefits for frequent flyers. For instance, you won't get to board the plane early and you won't get a free checked bag.

Airline Credit Card Comparison Tool

If you're still not sure whether the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is the right card for you, use our comparison tool below. It allows you to enter your own monthly expenses and receive an estimate on the amount of rewards each card listed above will get you over a two-year period.

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The information related to the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

Joe Resendiz

Joe Resendiz is a former investment banking analyst for Goldman Sachs, where he covered public sector and infrastructure financing. During his time on Wall Street, Joe worked closely with the debt capital markets team, which allowed him to gain unique insights into the credit market. Joe is currently a research analyst who covers credit cards and the payments industry. He earned a bachelor’s degree from the University of Texas at Austin, where he majored in finance.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

Citi® /  AAdvantage® Platinum Select® World Elite™ Mastercard®
This product is not available through ValuePenguin.
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