Citi AAdvantage® Mileup®: Earn American Airlines Miles With No Annual Fee
Earn 2X AAdvantage® miles on groceries and American Airlines purchases with no annual fee, plus a welcome bonus and savings on eligible American Airlines purchases.
The Bottom Line
On Citi's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 29.49% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 2X AAdvantage® miles on eligible American Airlines purchases and groceries, plus 1X on all other purchases.
1x - 2x Miles
Welcome Offer Earn 15,000 AAdvantage® bonus miles after spending $500 in the first three months.
15,000 Miles
Pros and Cons
Pros:
- 2X miles on groceries and American Airlines purchases
- No annual fee
- Sign-up bonus
- Inflight savings
Cons:
- Foreign transaction fees
- No intro 0% APR
- Low base rewards rate
- Limited airline perks
Welcome Offer
- Earn 15,000 AAdvantage® bonus miles after spending $500 in the first three months.
- Eligibility:
- You may not qualify for the AAdvantage® MileUp® Card welcome bonus if you received a new account bonus on a MileUp® account within the past 48 months.
- You may also be ineligible if you converted another Citi credit card that earned a new account bonus within the past 48 months into a MileUp® account.
Rewards
- 2X AAdvantage® Miles Categories:
- American Airlines purchases.
- Grocery Stores.
- 1X AAdvantage® Mile on all other purchases.
Redemption Options
- Redeem AAdvantage® miles for:
- Flights to nearly 1,100 destinations worldwide on American Airlines, oneworld® and other participating partner airlines.
- Seat upgrades.
- Hotel stays.
- Car rentals.
- Vacation packages.
- Other travel options
- Note: The flight awards are generally the most valuable use of AAdvantage® miles.
Fees and APR
- Annual Fee: $0.
- Regular APR: 19.49% - 29.49% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% of each foreign transaction.
Travel Benefits
25% Inflight Savings: Save 25% on inflight food and beverage purchases on American Airlines flights when paying with your card.
Airline Elite Status - American Airlines AAdvantage® Status
Earn Loyalty Points: Earn 1 Loyalty Point for every eligible AAdvantage® mile earned from purchases to help qualify for AAdvantage® status faster.
Convenience Features
- Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Nice Extras
Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).
Buy Now, Pay Later Options
Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.
Additional Features
- Card Lock: Citi Quick Lock (temporarily blocks new purchases while allowing recurring transactions).
- Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
Ratings
- Net Value & Cost Efficiency: 4.7/10
- Rewards & Earnings Power: 6.8/10
- Welcome Bonus Value: 8/10
- First-Year Earning Boost: 0/10
- APR & Interest Structure: 2.3/10
- Simplicity & Transparency: 9/10
- Perks, Benefits & Protections: 2.4/10
- Issuer Credibility & Stability: 6.1/10
- Installment & BNPL Features: 7/10
- Eligibility & Approval Accessibility: 7.5/10
Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.
Customer Satisfaction
The Citi® AAdvantage® MileUp® Card received a 631 out of 1,000 score in the 2026 J.D. Power U.S. Credit Card Satisfaction Study, placing it below the average score for airline co-brand credit cards.
Terms and Conditions
Click Apply Now to see the terms and conditions.
» MORE: See Big4credit’s best travel credit cards
The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.