Last updated: 6/15/2021

Citi AAdvantage MileUp

Earns: American AAdvantage

GigaTake:

Since there’s no annual fee, you can’t go too wrong with this card if you want to earn American AAdvantage miles. But given the relatively low value of America miles, a cash- back card will probably put more money in your pocket.

This card is best for:

  • Groceries

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Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} American AAdvantage
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

${{totalAmount | number}} =

{{totalAmount | number}} =

${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

  • Best way to earn American miles without paying an annual fee.

Cons

  • No annual fee.
  • Other cards earn more.

See how the Citi AAdvantage MileUp compares to other credit cards

Citi AAdvantage MileUp Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1.2 cents per point
Effective Value = 2.4 %

0%
7%

Reward Rate = 1x

Value = 1.2 cents per point
Effective Value = 1.2 %

0%
3%

Welcome Bonus = 10,000

Value = 1.2 cents per point
Effective Value = $120

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus
10,000

OK

Bonus Rating

Points

After you spend $500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2x Groceries

Very Good

very good

2x American Airlines

Excellent

excellent

Excellent

In the top 15% of cards.

1x All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
American AAdvantage
Gigapoints Value
1.2¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

25% Savings on Inflight Food and Beverage Purchases

25% savings on inflight purchases of drinks and snacks when you use your card on American Airlines flights.

The Fine Print

PURCHASES APR 15.99% to 24.99%
BALANCE TRANSFER APR 15.99% to 24.99%
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 25.24%
CASH ADVANCE FEE Either $10 or 5% of the amount of each transaction, whichever is greater.
LATE PAYMENTS Up to $40.
FOREIGN TRANSACTION FEE 3%