US Airways Dividend Miles MasterCard

US Airways Dividend Miles MasterCard

A credit card in transition. Benefits are chaning as US Airways merges with American Airlines
Editor's Rating: 4.5
The US Airways Premier World MasterCard®
This card is not available through ValuePenguin.

Editor's Rating

4.5

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Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers see our disclosure page.

Contents

The Us Airways Premier World MasterCard offers great rewards and benefits that are relatively easy to achieve. The card is only available for a limited time however, as the merger with American Airlines will eventually transition this card into a AA branded card in 2015.

Review: Great US Airways Travel Savings... For a Limited Time

The US Airways credit cards are easily worth hundreds of dollars for anyone looking to fly US airways. The standout feature of the cards are the annual companion certificates, that allow you to purchase companion tickets at a heavily discounted price. For the Premier World Mastercard, you can buy two companion tickets for $99 each year. While these tickets are limited to the continental US or Canada, an additional seat on a cross country flight is easily hundreds of dollars worth of value. The few other airline cards with similar features require you to spend thousands of dollars each year to receive this perk. With the US Airways MasterCards, these come standard.

The signing bonuses for US Airways cards are also easy to achieve. While with most travel cards, consumers are required to spend a certain amount, usuallly $1,000 or more to get the associated bonus miles. With the US Airways cards the bonus miles are automatically accrued after your first purchase. With a bonus of 30,000 miles for the World and Premier World cards respectively, its a very lucrative award for just using the cards once.

If you fly more than once a year with US Airways, the Premier World Mastercard is really a must have. Even if you don't regularly travel US Airways, the companion tickets alone might be a worthwhile reason to get the card.

Won't Be Available For Much Longer

Starting in 2015 the US Airways Mastercard will become the American Airlines AAdvantage Mastercard due to the merger of the two airlines. As a result a number of the best features will no longer be available. So if you're interested in taking advantage of the current rewards and bonus structure act fast as they won't be there beginning next year.

Summary Higlights

  • Annual companion certificates for discounted companion tickets are worth hundreds of dollars
  • Easy to achieve lucrative signing bonuses
  • The Premier World MasterCard is the much better of the two

US Airways Premier World MasterCard Features 

 
The US Airways Premier World MasterCard®
This card is not available through ValuePenguin.
Rewards 2 mile for every $1 you spend on US Airways
  1 mile for every $1 you spend elsewhere
Signing Bonus 40,000 bonus miles after your first purchase
Annual Fee $49
APR 15.99, 19.99 or 24.99%
FX Fee 3%
Additional Benefits Companion certificate good for 2 companion tickets at $99
  One US Airways Club day pass each year
  First Class Check In
  Priority boarding (zone 2) 

How do I earn miles with the US Airways Premier World credit card? 

You earn twice the miles for US Airways flight purchases, and one mile for other spending. There's a nice one-time signing promotion of 40,000 miles, as well as a one mile per balance transferred (up to 10,000 miles max) within the first three months of account opening. If you maximize the signing offer, those bonus miles can be converted to TWO roundtrip award flights (at the discounted Premier World rate of 20,000 miles per domestic R/T).

What special perks or privileges do I get with US Airways / Dividend Miles? 

The Premier World credit card gets members a number of elite perks and benefits. For starters, US Airway credit card holders get bumped up to first class check-in and zone 2 boarding for every flight they take. Each year, cardmembers can invite two companions to join on flights at reduced prices, as well as access the US Airways Club lounge themselves for free once. Frequent flyers will love the 5,000 redemption discount on roundtrip award travel as well.

Award Redemption With The US Airways Dividend Miles MasterCard

In our review of both US Airways credit cards, we took at look at how the rewards work and what value they would have for cardholders. As with other loyalty program based credit cards, your redemption options and the actual dollar value of the miles you earn is an important factor in how the card performs.

How do I redeem rewards with the US Airways Mastercard?

Rewards can be redeemed online or over the phone for award travel (be it upgrades or airfare), subscriptions to newspapers and magazines, and donations to charities. Miles cannot be redeemed for merchandise or gift cards, unfortunately. Award travel redemptions start at 25,000 typically, but with the Premier World and World MasterCard discount, a free flight might just be 20,000 miles away in the continental United States. There are a few fees that may apply to redeem awards, particularly as it relates to booking them over the phone, or with fewer than 21 days of a travel window. Note that black-out dates for travel may apply, especially as it relates to the companion certificates.

What are US Airways miles worth?

Here are two random samples of the value and return to cardmembers for a roundtrip domestic flight, and a magazine subscription. A roundtrip ticket between New York City's JFK to Los Angeles's LAX from Sunday 2/23/14 through Saturday 3/1/14 costs $529 before taxes and fees on usairways.com, and can be redeemed for 20,000 Dividend miles with Premier World MasterCard privileges. This equates to a 2.6% return on charged spending. A 53-issue subscription to Time Magazine costs $30, or 1,200 Dividend Miles to redeem, a 2.5% return - a good return in today's travel credit cards environment.

oneworld Travel Awards Partners

With the merger of US Airways and American Airlines, Dividend miles can also be used to book awards flights on the associated oneworld member airlines. The following are the airlines where the Dividend miles can be used.

oneworld Member Airlines
airberlin Cathay Pacific Japan Airlines
American Airlines Finnair LAN
British Airways Iberia Malaysia Airlines
Qantas Qatar Airways Royal Jordanian
S7 Airlines Sri Lankan Airlines TAM Airlines

The amount of Dividend Miles needed to get a flight on these member airlines is based upon where you are flying from, where you are flying to and the cabin class of your itinerary. For the up to date awards travel chart see here.

The US Airways Companion Certificates

The annual complimentary tickets are the most valuable benefit of the card. 

How Do The Companion Certificates Work?

Each year you'll receive a companion certificate that allows you to buy additional companion tickets for people flying with you at a heavily discounted price. For the World Mastercard you get one ticket for $149, and the Premier World, two for $99 each. One thing to note however, is that with the Premier World Mastercard, the two additional tickets must be used for the same itinerary, and can not be split up over multiple trips. So save it for when you're flying with at least 3 people to maximize its value. The companion tickets are usable on round trip flights. Blackout days do apply to these tickets, so they're best used when planned for in advance.

For new cardholders, your first companion certificate should arrive within 2-4 weeks of receving your US Airways Credit Card. Additional certificates are awarded annually.

What Is The Value Of The Certificate?

The value of the the certificate will depend on the flights you choose to use them on. Overall the math is pretty simple, just subtract the cost of the companion ticket from the total fare you would normally have to pay. On cross country trips with US Airways this discounted price is easily worth hundreds and possibly even more than a thousand dollars. The tickest are best used for longer flights, since you'll achieve the most savings when doing so. 

Changes Coming In 2015

The biggest change in 2015 is the loss of the Annual compnaion pass. That's a huge loss in value as it's the best value feature of having the US Airways card. Some of the other ancillary features that will be discontinued include First class check-in, Free annual club pass and discount towards US Airways Club membership, the 5,000 mile rebate for US Airways award redemptions, and the 10,000 Preferred Qualifying Miles after $25,000 in spending.

Comparing The US Airways MasterCard With Other Cards

Assumptions Based On Monthly Spend of: $1,430 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
$0 Intro Annual Fee for the first year then $95 3.51%
$837
Earn 60,000 American Airlines AAdvantage bonus miles after $3,000 in purchases the first 3 months
$1,205
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.014 = $463
Bonuses
0 x $0.014 = $0
60,000 x $0.014 = $810
1,000 x $0.014 = $14
1,000 x $0.014 = $14
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,205

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $95
APR 13.99%, 17.99% or 21.99% Variable

Card Details

  • 2 AAdvantage miles for every $1 spent on American Airlines
  • 1 mile for every $1 spent otherwise
  • First checked bag free for you and up to four traveling companions
  • Priority boarding
  • 25% discount on in-flight purchases
 

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

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.

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.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.