Best American Airlines Cobranded Credit Cards
If youre in the market for an American Airlines-issued credit card, youve got choices. Due to the US Airways and American Airlines merger in 2013, there are still two different banks that issue American Airlines credit cards: Citi and Barclays. This means you have more choices as an American Airlines flyer than you would as say, a United Airlines flyer, since all United credit cards are issued by Chase.
Heres a comparison of the available Citi- and Barclays-issued American Airlines AAdvantage credit cards currently available for new sign-ups:
|50,000 miles after you spend $5,000 on purchases in the first three months of account opening.||$450||2 American Airlines miles for every $1 spent on eligible American Airlines purchases, 1x elsewhere|
The information for the Citi AAdvantage Platinum Select, Citi AAdvantage Business Platinum Select, AAdvantage Aviator Red and the AAdvantage Aviator Business cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Note that these are the cards available for new customer sign-ups, but some other Barclays-issued American Airlines cards may only be available for current Aviator cardholders. Note: Bonus valuation is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.
Sign-up bonus: 50,000 AAdvantage miles after you spend $2,500 in the first three months of account opening
Bonus valuation: $700
Annual fee: $99
Best For Traveling Together: Aadvantage Aviator Red World Elite Mastercard
Heres why: The AAdvantage® Aviator® Red World Elite Mastercard® is great for couples and friends who like to travel together.
Youll earn a companion certificate each account year in which you spend at least $20,000 on purchases and keep your account open for at least 45 days after your anniversary date. This certificate allows you to bring along one guest on a domestic flight for only $99 plus taxes and fees. Depending on how expensive the flight is, that could save you a lot of money on your next trip together.
Youll also earn 60,000 AAdvantage bonus miles after making one purchase in your first 90 days of holding the card and paying the cards $99 annual fee. Youll earn two points per $1 on eligible American Airlines purchases and one point per $1 on all other purchases. And there are other travel perks, too, including preferred boarding, 25% savings on in-flight food and drink, and a free first checked bag for you and up to four travel companions.
Compare offers for travel credit cards on Credit Karma for more options.
How To Pick A Credit Card For Flights
Before you pick a credit card to use for flights, you should answer a few questions.
To view rates and fees of The Platinum Card® from American Express, please visit this page.
To view rates and fees of Delta SkyMiles® Platinum American Express Credit Card, please visit this page.
To view rates and fees of The Business Platinum Card® from American Express, please visit this page.
To view rates and fees of the Delta SkyMiles® Reserve American Express Card, please visit this page.
The Opportunity Cost Of American Airlines Credit Card Spending
Some people are saying well now a bunch of people are just going to spend $200,000 on their credit card to earn Executive Platinum status. Perhaps thats true, but I also dont think the math checks out on that, at least on an ongoing basis. Based on my valuation of points:
- American AAdvantage miles are worth 1.5 cents each
Assuming youre spending in a non-bonused category :
- You could be earning 1x AAdvantage miles per dollar spent, which I value at a 1.5% return
- You could be earning up to 2x transferable points on some other cards, which I value at a 3.4% return
Specifically, you could earn 2x transferable points with the following cards:
- The Blue Business Plus Credit Card from American Express offers 2x Membership Rewards points on the first $50,000 spent every calendar year
Now, people may have different valuations of points currencies, and thats fine, as you can adjust the math accordingly. But by my math, the opportunity cost of using a co-branded American Airlines credit card is ~1.9%. In other words:
- Spending $200,000 on an American Airlines credit card would cost me $3,800
- Is Executive Platinum status worth $3,800?
- Keep in mind that you only receive Loyalty Choice Rewards if you also fly at least 30 segments on American Airlines
Good Cards For Buying American Airlines Tickets
Youll earn American AAdvantage miles just about anytime you fly with a paid ticket, calculated on the base price of your ticket minus taxes and fees. The amount of miles you earn also varies based on your AAdvantage elite status. And while it can make a whole lot of sense to have and use an American Airlines cobranded credit card for your American ticket purchases, there are also situations where other credit cards may be an even better choice.
For example, if you want to earn more flexible rewards, you could pay for your American Airlines ticket with a card that earns American Express Membership Rewards, Chase Ultimate Rewards or Citi ThankYou Rewards Points. Consider the following cards for your American Airlines tickets, some of which carry generous built-in travel protections compared to some of the Barclays or Citi cobranded American Airlines cards.
|$695||5 points per dollar spent on airfare booked through Amex or directly with the airlines on up to $500,000 per calendar year and on prepaid hotels booked directly with Amex, 1x on other purchases. Terms apply.|
Lets take a closer look at these alternate options to see how well theyd work for an American traveler.
Read Also: Bestbuy Com Creditcard Citibank
Aa Platinum Select Signup Bonus
Signing up for the AA Platinum Select will land you Earn 60,000 American Airlines AAdvantage® bonus miles bonus AAdvantage miles after $3,000 in purchases within the first 3 months of account opening. Thats enough for round-trip domestic flights for two within the continental US with miles left in your account for future use, or a round-trip economy fare to Europe at 60,000 miles. Redeeming miles this way, we find we can typically achieve a value of ~1.5¢ per mile, allowing you to extract roughly $900 from the signup offer on the AA Platinum Select. Potentially more if pooled with other miles in your account for premium cabin international fares.
Aadvantage Aviator Red World Elite Mastercard
Sign-up bonus: 60,000 bonus miles and a $99 companion ticket awarded after you make a purchase within the first 90 days of card opening
Bonus valuation: $840
Annual fee: $99
Benefits: This Barclays-issued card offers an annual $25 annual statement credits on inflight Wi-Fi purchases, an annual $99 companion ticket after you spend $20,000 on the card, waived check bag fees for the cardholder and up to four on the American Airlines reservation and a 25% statement credit for eligible onboard AA purchases. The category bonuses are fairly standard:
- 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases
- 1x on all other purchases
Who should get it: The AAdvantage Aviator Red card is a fantastic option for those who want a big sign-up bonus that can be earned after buying something as small as a pack of chewing gum. The perks are solid for the occasional American Airlines flyer.
Don’t Miss: Visa Gift Card Being Declined
Best Business Credit Cards From American Airlines
If you want to earn miles good for free flights with American Airlines, youll want to check out the business credit cards that allow it. Here are Bankrates picks for the best American Airlines business credit cards:
- Best for cardholder perks: AAdvantage® Aviator® Business Mastercard®
- Best for earning a companion pass: CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
How Do Airline Miles Work On A Credit Card
An airline credit card awards miles for your purchases, then deposits them directly into your frequent flyer account. Your frequent flyer account will be linked to your credit card account when you open the card. You dont have to take any extra steps to get the miles from your credit card to your airline frequent flyer account.
Also Check: Www Best Buy Credit Cards Payment Online
What Is The Best Credit Card For American Airlines Miles
Here are 2020’s best credit cards for airline miles:
|Capital One® Venture® Rewards Credit Card||5.0|
|Capital One® VentureOne® Rewards Credit Card||4.9|
|Chase Sapphire Preferred® Card||4.8|
Subsequently, question is, which American Airlines credit card is best? The best American Airlines credit card for frequent flyers is the Citi® / AAdvantage® Executive World Elite Mastercard®. Cardholders get access to Admiral’s Club airport lounges, valued at $450 to $550 per year, along with an initial bonus of 50,000 miles for spending $5,000 within three months of opening an account.
Beside above, what credit cards earn American Airlines miles?
How to earn American Airlines miles
|American Airlines Credit Cards|
|CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®||65,000 American Airlines miles||$99, waived the first 12 months|
|Citi® / AAdvantage® Executive World Elite Mastercard®||50,000 American Airlines miles||$450|
Is the AAdvantage card worth it?
Citi AAdvantage Platinum Card Review: Worth the Fee for Airline Loyalists. This card earns double miles on American Airlines purchases and at gas stations and restaurants, and it makes flying less of a hassle with a free checked bag benefit and other perks.
Best American Airlines Card For Frequent Flyers: Citi / Aadvantage Executive World Elite Mastercard
With this card, you gain access to these exclusive clubs, and not only when youre flying American Airlines. Julian Kheel, senior finance editor for CNN Underscored, said that you can use these clubs even if you are flying with a partner of American Airlines, such as Alaska Airlines or British Airways.
Benét Wilson, senior credit cards editor for The Points Guy, agrees. This card comes with some pretty sweet perks, she said.
You also get up to 10 cards for authorized users, who can enjoy the perk, too. And the card is currently offering a 50,000-mile sign-up bonus after an initial $5,000 spend within the first three months of opening the account.
The cards rewards program offers 2 miles for every dollar charged for eligible American Airlines products and 1 mile for every dollar spent on other purchases.
And it has a few features that will streamline your travel, including these:
- First checked bag free for up to eight people in your traveling party
- Priority boarding
- Priority check-in, with a designated airline check-in counter, for you and up to eight travel companions
- Priority screening, with a special TSA line where available, for you and up to eight additional travel companions
- Global Entry/TSA PreCheck credit of up to $100 every five years
Don’t Miss: Cabelas.club Visa
Youre Our First Priorityevery Time
We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.
How To Transfer Credit Card Points To Airline Miles
Not all types of credit card points can be transferred to airline miles. Some of the most popular transferable currencies include Chase Ultimate Rewards points, American Express Membership Rewards points and Citi ThankYou points.
Each transfer partner will have a slightly different set of instructions, but in general you can transfer credit card points to airline miles via your credit cards awards page. Make sure you have your frequent flyer number handy in order to complete the transaction.
Don’t Miss: First Premier Gold Card Reviews
Why An Aadvantage Card Is Worth It
- Rewards. AAdvantage cards offer American Airlines miles for making purchases, and many have generous initial bonuses.
- Supplemental perks. Exact benefits differ from card to card, but they include things such as free checked bags, in-flight food and beverage discounts, preferred boarding and airport lounge access.
- Affordable options. Very frequent travelers should more than break even with any AAdvantage credit card. But more casual travelers can get the American Airlines AAdvantage MileUp Card, which has a $0 annual fee.
- Wide acceptance. All AAdvantage credit cards are on the Mastercard network, which is accepted worldwide.
While AAdvantage cards are worth it in general, the most worthwhile card will differ from person to person. You can check out WalletHub’s comparison of the best American Airlines credit cards to learn more.
The cash value of 50,000 American Airlines miles is $645, on average, or the equivalent of at least one round-trip flight between New York and Los Angeles on American Airlines. AA miles are worth about 1.27 cents per mile, slightly less than average for a major airline.
That said, the value of 50,000 American Airlines miles could be significantly more or less than $645, depending on how you redeem them and when you fly.read full answer
How Many Aa Miles Do You Need For A Free Flight
The number of AAdvantage miles required for an award flight varies widely, depending on the type of fare, origin, destination and whether youre able to find a deal. For example, weve found Web Special Awards for as little 5,000 miles each way recently. On the other hand, international flights in first-class can cost hundreds of thousands of miles. Here are some sample fares for different fare types on American Airlines .
|The highest published level of AAnytime awards.65,000 miles between U.S.-Europe|
Read Also: First Premier Cash Advance Limit
Benefits And User Perks
Next up, lets go through all of the benefits that come with each card.
And starting with the American Airlines AAdvantage MileUp Card you dont get much.Basically, you will receive 25% off inflight food and beverage purchases that are made with your card on American Airline flights.And just a side note, with this card there is a 3% foreign transaction fee for each purchase you make overseas.
Next up, with the AAdvantage Platinum Select World Elite card, you get a bit more value.First of all, you will get your first checked bag free on domestic American Airlines flights for you and up to 4 companions that are traveling with you on the same flight.Next up, you will get preferred boarding on American Airlines flights, which can be nice to be able to get your bags in overhead storage before everybody else boards.You get access to Citi Entertainment that gives you special access to a large range of different events that include concerts, sporting events, and dining experiences. You will have the ability to earn a flight discount of $125 on American Airlines if you spend more than $20,000 in any given year of card membership, And for this to be valid you must renew your card for the following year.There are no foreign transaction fees. And finally, you will also get 25% off inflight food and beverages when using your card on any American Airlines flight.
How I Plan To Earn Aadvantage Gold Status With One Trip
Without fail, the summer months during my childhood consisted of an annual monthlong solo trip to Colombia. Id pack my own suitcase as a carefree whippersnapper and eagerly look forward to the nearly four-hour solo flight as an unaccompanied minor to visit my grandma and other relatives.
Its been 14 years since Ive been back to Bogota. With the extra two months that AAdvantage members have right now to accrue more EQMs and EQDs, this could be an opportune time to visit my family in South America.
As of today, I have two domestic round-trips planned , but I would still need an EQD boost to reach AAdvantage Gold elite status 658 EQDs or $658, to be exact. On the EQM side, I am covered with the flights Ive booked and hope to take in January and February, assuming they go off without a hitch in these uncertain times.
When looking at flight options to visit family in Colombia in February, I noticed the round-trip fare differences between Main Cabin, premium economy and business were minor. A disparity of just $200 to fly business instead of economy had me seriously considering booking the premium cabin.
Because I need 658 EQDs by the end of February to lock down AAdvantage Gold status for 2022, I clicked through the business-class fare to see how many EQDs Id earn with the $787 fare since EQDs are based on the ticket price . I wanted to make sure Id accrue the necessary EQDs before booking.
Recommended Reading: My Conoco Card Com Activate
Global Entry/tsa Precheck Application Fee Credit
Those who do a lot of air travel know that getting Global Entry or TSA Precheck can save a lot of time and help you speed through the check-in process. And if you can get it for free, as you can with this card, then its even better. The Citi® / AAdvantage® Executive World Elite Mastercard® offers this credit once every five years .