RateHerald

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Citi credit card

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

  • Bonus down · 80,00050,000 · Nov 1, 2026

50,000 AAdvantage miles after you spend $2,500 in 3 months. Purchase APR 19.74–29.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
However, the annual fee is waived for the first 12 months
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Citi’s terms

Welcome offer

50,000 miles

After you spend $2,500 on purchases in your first 3 months.

Spending it takes
$833 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

Earn 50,000 AAdvantage bonus miles after $2,500 in purchases in the first 3 months. New card members only. Subject to credit approval. Not available under the new account bonus eligibility rules.

Who can get it: If you’ve had a bonus on any Citi card 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 a Citi ® / AAdvantage ® Platinum Select ® 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 a Citi ® / AAdvantage ® Platinum Select ® account.”

The issuer’s terms, from its page, as of Nov 1, 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$645$45
Typical spender$860$260
Heavy spender$1,305$705
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¢.

$45a year

$645 the first year, with the welcome bonus.

Rewards and credits$145

You keep $45−$100 annual fee

The spending this assumes

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

$260a year

$860 the first year, with the welcome bonus.

Rewards and credits$360

You keep $260−$100 annual fee

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¢.

$705a year

$1,305 the first year, with the welcome bonus.

Rewards and credits$805

You keep $705−$100 annual fee

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 65% of the 732 cards we track.

Other miles cards

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×
gas stationsrestaurantseligible American Airlines purchases
1×
Everything else

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

Benefits

  • Turo Car Rentals statement credit
  • 1 free checked bag on domestic American Airlines itineraries for the cardmember and up to 4 travel companions on the same reservation.
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases toward AAdvantage® status.
  • Preferred boarding on American Airlines flights for the cardmember and up to 4 companions traveling on the same reservation.
  • 25% savings on inflight food and beverage purchases on American Airlines flights when using the card.
All 11 benefits
  • American Airlines flight discount.
  • No foreign transaction fees.
  • No blackout dates when booking with miles.
  • AAdvantage® miles can be redeemed for flights to nearly 1,100 destinations worldwide on American Airlines, oneworld® and partner airlines.
  • Status members may receive complimentary premium cabin upgrades, complimentary Main Cabin Extra and Preferred Seats, and same-day standby priority; benefits vary by status tier.
  • Citi Entertainment® special access to event tickets and experiences.

Changes

80,000 AAdvantage miles50,000 AAdvantage miles since Nov 1Sep 29Today
  • Nov 1, 2026 Bonus 80,00050,000

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

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 a bonus on any Citi card in the last 48 months (4 years), you can’t get it again yet.

Questions

What is the annual fee?
$99. However, the annual fee is waived for the first 12 months. · citi.com, since Nov 1, 2026
Does it charge a foreign transaction fee?
No. · online.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?
50,000 AAdvantage miles after $2,500 in purchases in 3 months. · citi.com, since Nov 1, 2026
See it on citi.com

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