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Credit Cards

AAdvantage Credit Card Review

Updated Feb 28, 2022   |   5 mins read

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American Airlines is known as the airline company with the largest fleet of planes in the world which it has been building since the year of 1926. In addition to its gargantuan fleet, American Airlines leads the world of airline companies in revenue while second in number of destinations.

With such a large customer base, it is only typical that such a company provides travel credit cards to customers in order to bolster its business and increase revenue. Teaming up with Citi Bank, American Airlines offers some of the best airline credit cards such as the AAdvantage Executive Card, the AAdvantage Platinum Select Card, and the AAdvantage Platinum Select Card for Business; these card details can be seen in each respective section involving rewards as well as rates and fees.

Benefits and Rewards

AAdvantage Executive Card

Leading the charge as the main offer on the Executive Card, a 50,000 American Airline AAdvantage bonus mile reward is received for spending $5,000 within three months of obtaining a card. These miles are redeemable towards travel benefits or gifts, but they are more valuable when redeeming for American Airlines products.

Other ways to earn miles include receiving two miles per dollar spent at American Airlines and one mile per dollar for all other types of purchases. These miles do not expire as long as the account is active every 18 months, and there is no cap limit to miles.

Certain perks are involved such as membership to the Admirals Club which allows patrons access to lounges at American Airlines and associated luxuries. Other tier statuses are available to cardholders; for instance, if cardholders spend $40,000 every year with the Executive Card, they receive 10,000 Elite Qualifying Miles which count towards earning elite status membership.

There are other travel benefits such as expedited movement through airport checkpoints and preferred seating arrangements. Additionally, the first bag check is free of charge.

AAdvantage Platinum Select Card

Cardholders receive a bonus gift of 30,000 miles after spending at least $1000 during the initial three months of membership. These miles are redeemable for certain products, and they hold the most value when redeeming for products through American Airlines. Platinum Select Card holders enjoy a 10% return on miles that are redeemed within a calendar year (for up to 10,000 miles back) which makes Platinum Select Mile a little more valuable.

Similar to the Executive Card, two miles per dollar are awarded for purchases with American Airlines and one mile per dollar spent on regular purchases. These miles experience no cap limit or expiration date.

Cardholders enjoy a free first bag check when moving through the American Airlines airport process as well as a perk known as Group 1 Boarding.

AAdvantage Platinum Select Card for Business

For those looking to support a business, potential Business Platinum Select Card holders can enjoy a 30,000 mile bonus after spending just $1000 within the first three months of membership. Redeeming with American Airlines is the most beneficial method of extracting maximum value of these miles.

Business owners can earn two miles per dollar spent on purchase made directly with American Airlines, at gas stations, and at other select business categories. For every other type of ineligible purchase, one miles is received for every dollar spent.

Certain travel benefits such as a free first bag check are available to business card holders as well as Group 1 boarding. If the cardholder spends at least $30,000 within a year, a discounted companion ticket is earned for the price of $99.

Additional employee cards may be added for no additional expense, and these extra cards all can contribute to the stockpile of miles for redemption benefits.

Rates and Fees

AAdvantage Executive Card

The Executive Card requires a $450 annual fee when starting an account. There is no foreign transaction fee with this card. Cash advance fees run at either $10 or 5% while balance transfer fees total either $5 or 3% (whichever value is greater). The variable annual percentage rate (APR) for standard purchases and balance transfers is 15.49%. The cash advance APR varies at 25.49% while the penalty APR is 29.99% (variable).

AAdvantage Platinum Select Card

Annual fees for the Platinum Select Card total $95, but for the first twelve months, there is no annual fee. The foreign transaction fee is nonexistent, or in other words, it is 0%. Cash advance fees may either be $10 or 5%, and balance transfers fees are either $5 or 3% (the choice between rates is determined by the value generated). The annual percentage rate for regular purchases and balance transfers ranges between 14.24% and 22.24% (variable). When a cash advance is necessary, a variable APR of 25.49% is applicable, and penalty APR varies at 29.99%.

AAdvantage Platinum Select Card for Business

Starting annual fees are waived for the first year following the opening of an account; after this period, the annual fee jumps to $95. Like the other cards in this review, the Platinum Select for Business does not have any foreign transaction fee. Both cash advance fees and balance transfer fees are set at a rate of either $5 or 3% with the greater value taken. Standard purchases and balance transfers have a variable APR of 15.49%. Cash advance APR varies at 21.99% while penalty APR varies at 29.99%.

Bottom Line

Choosing between these three cards is quite simple. The bigger spender looking to gain some privileges with American Airlines as well as some additional sign on bonuses will do well to sign up for AAdvantage Executive Card with its increased fees and perks. The smaller spender can obtain the Platinum Select Card for less expenses while still receiving a comparable sign on bonus as well as the same rate of redemption mileage accrual.

If this same type of individual happens to own a business with the intent of applying this membership towards aiding that business, the Platinum Select for Business is the proper choice. These options offered by Citi Bank and American Airlines cover the basic spectrum of wants and desires, and a consistent patron of American Airlines may do well to look into these products.