The Guide to American Airlines Credit Card Benefits
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If you travel on American Airlines regularly, getting one of the airline's credit cards can prove extremely valuable. Since American Airlines is not a transfer partner of any of the major credit card rewards programs, the only way to earn American miles through credit card spending is with an American Airlines credit card.
Not only will you earn extra AAdvantage miles, but the cards also come with additional benefits to improve your flight experience, reach elite status faster and save money.
The American Airlines credit cards include:
Here's what to know about their benefits.
» Learn more: The best travel credit cards right now
AAdvantage miles earned on spending
One of the basic benefits of an American Airlines credit card is the ability to earn AAdvantage miles on your spending. With each card, you'll earn rewards on all purchases. You'll get extra miles on American Airlines purchases and bonus categories.
You can also earn miles on purchases your authorized users make on your account. Except for the Citi® / AAdvantage® Executive World Elite Mastercard®, each card offers free authorized user or employee cards. With the Citi® / AAdvantage® Executive World Elite Mastercard®, you can add up to three authorized users for $175 per year, then $175 annually for each additional user.
$0.
$0 intro for the first year, then $99.
$595.
$99.
$0 intro for the first year, then $99.
Earn 15,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
Earn 60,000 AAdvantage® bonus miles after making your first purchase and paying the $99 annual fee in full, both within the first 90 days.
Earn 75,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
• 2 miles per $1 at grocery stores, including grocery delivery services, and on eligible American Airlines purchases.
• 1 mile per $1 spent on other purchases.
• 1 Loyalty Point per 1 eligible AAdvantage® mile earned from purchases.
• 2 miles per $1 at gas stations and restaurants, and on eligible American Airlines purchases.
• 1 mile per $1 spent on other purchases.
• 1 Loyalty Point per 1 eligible AAdvantage® mile earned from purchases.
• 10 miles per $1 on eligible car rentals and hotels booked through AA.
• 4 miles per $1 on eligible American Airlines purchases, up to $150,000 spent per calendar year (5 miles per $1 spent thereafter for the remainder of the calendar year).
• 1 mile per $1 on everything else.
• 1 Loyalty Point per 1 eligible AAdvantage® mile earned from purchases.
• 2 miles per $1 on eligible American Airlines purchases.
• 1 mile per $1 on all other purchases.
• 1 Loyalty Point per 1 eligible AAdvantage® mile earned from purchases.
• 2 miles per $1 on American Airlines.
• 2 miles per $1 on telecommunications, cable and satellite providers.
• 2 miles per $1 on car rental merchants.
• 2 miles per $1 on gas stations.
• 1 mile per $1 on all other purchases.
» Learn more: The best American Airlines credit cards
Discount on American Airlines flights
When you spend $20,000 in a calendar year on the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, you'll receive a voucher for a $125 American Airlines flight discount after renewing your card.
Annual companion certificate
Bring someone with you on your next paid flight with an annual companion certificate. Two American Airlines credit cards earn a companion certificate based on your annual spending. When redeeming these certificates, there is a $99 fee, plus the taxes and fees associated with your flight.
To earn the certificate, you'll need to spend $20,000 on the AAdvantage® Aviator® Red World Elite Mastercard® or $30,000 on the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®.
Free checked bags
If you wait to add on checked bags until you're at the airport rather than booking in advance, American Airlines charges $40 for the first checked bag when traveling domestically or to Puerto Rico and the U.S. Virgin Islands. Getting free checked bags can save $320 on a round-trip flight for a family of four.
You'll get the first checked bag free for yourself and up to four companions on the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, AAdvantage® Aviator® Red World Elite Mastercard® and CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. With the premium Citi® / AAdvantage® Executive World Elite Mastercard®, this benefit extends to eight travel companions. The $0-annual-fee American Airlines AAdvantage® MileUp® doesn't offer this perk.
Early boarding
Getting on the plane early allows you priority access to the overhead bins and more time to get comfortable ahead of your flight. Citi® / AAdvantage® Executive World Elite Mastercard® cardholders get to board in Group 4, while all other AAdvantage cardholders (except the American Airlines AAdvantage® MileUp®) board in Group 5. American Airlines AAdvantage® MileUp® does not offer early boarding benefits.
» Learn more: American Airlines' boarding process explained
Lounge access
(Photo by JT Genter)
Only one of the American Airlines credit cards includes complimentary Admirals Club lounge access. The Citi® / AAdvantage® Executive World Elite Mastercard® includes a complimentary Admirals Club membership where cardholders can enter the lounge for free whenever they're flying on American Airlines or an eligible partner airline. Cardholders can also bring immediate family members (spouse, domestic partner and children up to age 18) or up to two guests in for free.
TSA PreCheck or Global Entry credit
TSA PreCheck and Global Entry expedite your wait at the airport when going through airport security and U.S. customs, respectively. The Citi® / AAdvantage® Executive World Elite Mastercard® is the only card that includes reimbursement for these application fees up to $100 every four years.
In-flight savings
Save money on your in-flight purchases of food and beverages when using your American Airlines credit card. American Airlines AAdvantage credit cards provide a 25% statement credit for all inflight purchases.
If you purchase inflight Wi-Fi, you'll also save 25% when using the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®. The AAdvantage® Aviator® Red World Elite Mastercard® provides up to $25 in statement credits each anniversary year when purchasing Wi-Fi on American Airlines flights.
Faster path to elite status
American Airlines elite status offers numerous perks for travelers, including complimentary upgrades, waived fees, priority standby and more. You can accelerate your path to elite status using American Airlines credit cards.
Earn Loyalty Points on purchases
Not only will you earn AAdvantage airline miles on every dollar you spend on your American Airlines credit cards, but you'll also earn one Loyalty Point on each dollar spent. This allows cardholders to earn points toward elite status based solely on their spending — or in conjunction with flying and other qualifying activities.
You will not earn bonus Loyalty Points on spending categories with higher earning rates. For example, even though the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® earns 2 AAdvantage miles per $1 spent on gas and restaurants, you'll earn only 1 Loyalty Point per $1 for those purchases.
Bonus Loyalty Points
With the Citi® / AAdvantage® Executive World Elite Mastercard®, you'll receive up to 20,000 bonus Loyalty Points per year to boost your elite status. The first 10,000 points are earned by reaching 50,000 Loyalty Points in a status qualification year. A second 10,000 points (for a total of 20,000) are earned when you reach 90,000 Loyalty Points.
No foreign transaction fees
All of the American Airlines credit cards, except the American Airlines AAdvantage® MileUp®, waive foreign transaction fees. The American Airlines AAdvantage® MileUp® charges a 3% fee on international purchases.
Travel insurance and assistance
Unfortunately, not all American Airlines credit cards include travel insurance or assistance benefits.
The Citi® / AAdvantage® Executive World Elite Mastercard® has travel insurance benefits, including trip cancellation/interruption protection, trip delay protection, lost baggage protection and worldwide rental car insurance. Learn more about Citi cards' travel insurance benefits.
The AAdvantage® Aviator® Red World Elite Mastercard® also includes complimentary travel insurance and assistance benefits. These benefits include travel accident insurance, trip cancellation and interruption benefits, baggage delay insurance and rental car protection.
Travel and dining credits
Some of the benefits for the Citi® / AAdvantage® Executive World Elite Mastercard® are travel and dining credits. Cardholders can earn:
Up to $120 annually in Lyft credits: After three eligible Lyft rides in a calendar month, cardholders can receive a $10 Lyft credit.
Up to $120 annually on Grubhub purchases: Cardholders earn one $10 statement credit per monthly billing statement when making an eligible Grubhub order.
Up to $120 annually Avis and Budget car rentals: For every dollar spent on eligible Avis and Budget car rentals, cardholders receive a $1 statement credit up to the annual maximum of $120.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Autograph℠ Card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card
