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Citi credit card

American Airlines AAdvantage® MileUp Card

No annual fee. 15,000 AAdvantage miles after you spend $500 in 3 months. Purchase APR 19.74–29.74%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Citi’s terms

Welcome offer

15,000 miles

After you spend $500 on purchases in your first 3 months.

Spending it takes
$167 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

Offer also includes a $100 statement credit. New card members only; subject to credit approval. Not available if you have received a new account bonus for an AAdvantage MileUp account in the past 48 months, or if you converted another Citi credit card account that earned a new account bonus in the last 48 months. Offers may vary and may not be available in other places where the card is offered.

Who can get it: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

“American Airlines AAdvantage ® new cardmember bonus offer not available if you have received a new account bonus for an AAdvantage ® MileUp ® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into an AAdvantage ® MileUp ® account.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$305$155
Typical spender$520$370
Heavy spender$920$770
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢.

$155a year

$305 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.

$370a year

$520 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$770a year

$920 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 75% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.

Other miles cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

American Airlines AAdvantage®

How you earn

2×
eligible American Airlines purchasesgrocery stores, including grocery delivery services
1×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Benefits

  • Statement credit welcome offer: $100 one time
  • No. The first checked bag is not free.
  • 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights.
  • $100 statement credit after $500 in purchases in the first 3 months (welcome offer).
  • No blackout dates when booking travel with miles.
All 9 benefits
  • No maximum number of AAdvantage miles that can be accumulated with the card.
  • Miles can be redeemed for flights, seat upgrades, car rentals, hotel stays and vacation packages.
  • Authorized User cards can be added at no additional charge; purchases on them earn AAdvantage miles.
  • Other

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

Questions

What is the annual fee?
None · citi.com, since Oct 3, 2026
Does it charge a foreign transaction fee?
Yes: 3% of each purchase transaction in U.S. dollars.. · citi.com, since Oct 8, 2026
What is the purchase APR?
19.74–29.74% APR · citi.com, since Oct 8, 2026
Is there a welcome bonus?
15,000 AAdvantage miles after $500 in purchases in 3 months. · citi.com, since Nov 1, 2026
See it on citi.com

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