Best American Airlines AAdvantage Credit Cards: Comparing the Benefits and Perks

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American Airlines 777 300 ER
Image courtesy of aa.com

Do you fly with American Airlines and want the benefits associated with an American Airlines-branded credit card? Or are you just looking for a card to help you accumulate American Airlines miles for an upcoming vacation? Perhaps you’re a small business owner and want to make sure all your expenses are earning miles.

You’ll certainly have plenty of choices when it comes to selecting an American Airlines-branded credit card that fits your travel and reward-earning priorities.

Citi issues 4 of these American Airlines-branded credit cards (which have a lot of perks and benefits), while Barclays issues the AAdvantage Aviator Cards.

Whether you need a credit card for your small business or a personal card, Citi delivers a card that fits your needs (with choices such as:

In addition, Barclays’ AAdvantage® Aviator® Mastercards are issued in both personal and business options.

Let’s take a look at the features/benefits of each of these cards, how they can help you earn miles, and which cards can accelerate your path to American Airlines AAdvantage elite status.

Citi® / AAdvantage® World and World Elite™ Mastercards

Each Citi® / AAdvantage® World Mastercard and World Elite™ Mastercard® comes with a generous sign-up bonus, the ability to earn American Airlines miles on every purchase, and an array of premium-level travel benefits.

Aruba
The miles you earn on your Citi AAdvantage Credit Card or Barclays Aviator Credit Card could take you on a warm relaxing vacation to Aruba. Image by Christine Krzyszton.

Citi® / AAdvantage® Gold World Elite™ Mastercard®

With an annual fee of $50 that is waived the first year, the Citi® / AAdvantage® Gold World Elite™ Mastercard® is a great entry-level American Airlines-branded credit card. That lower annual fee, however, is balanced with a lower sign-up bonus compared to other AAdvantage Mastercards, and it comes with earnings of only 1 mile per dollar spent on the card.

You’ll still receive reduced award ticket pricing of up to 5,000 miles off round-trip award tickets when redeeming miles for select market itineraries, 25% savings in the form of a statement credit on in-flight meal/beverage purchases, and World Elite™ Mastercard travel benefits.

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

The sign-up bonus offers fluctuate, but your bonus miles will be awarded after you reach a spending threshold in the first 3 months after card approval. You’ll earn 2 miles per dollar spent with American Airlines and 1 mile per dollar on all other purchases.

Travel perks include:

  • Free checked bag on domestic itineraries for you and up to 4 traveling companions
  • Priority boarding on all flights operated by American Airlines.
  • 25% savings in the form of a statement credit when purchasing food/beverages onboard during your journey.

Cardholders have access to reduced mileage award travel for up to 7,500 fewer miles.

With no foreign transaction fees plus World Elite™ Mastercard travel and protection benefits, this card can be a good choice for American Airlines travelers.

This card has a $95 annual fee.

We’ve also written in-depth about other credit cards that have no foreign transaction fees >

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

If you’re looking for a card that earns miles for your business expenses, the CitiBusiness® / AAdvantage® Platinum Select World Mastercard® might be a good choice.

Of course, you’ll get started with a bank of miles from your sign-up bonus once you meet the initial spending threshold after card approval.

You’ll then continue to earn 2 points per dollar on:

  • All American Airlines purchases
  • Business expenses (such as telecommunications merchants, car rental merchants, and at gas stations)

All other purchases earn 1 mile per dollar spent.

Since additional employee cards are issued for no extra charge, you can be sure all your business expenses (even purchases made by your employees) are earning miles. You can also use the online tracking tools to keep tabs on your business expenses.

Earn a $99 domestic economy American Airlines Companion Certificate after making $30,000 or more in purchases on the card during each account anniversary year. When you purchase a qualifying domestic American Airlines economy ticket, you’ll receive a companion ticket for $99 plus government taxes and fees. Travel is valid on flights within the 48 contiguous United States.

Travel perks for this card include:

  • A free checked bag on domestic itineraries for you and up to 4 traveling companions
  • Preferred boarding on all flights operated by American Airlines
  • Onboard, cardholders receive a 25% savings rebated to their statement when purchasing food/beverages with the card
  • Access to reduced mileage award travel of up to 7,500 fewer miles

This card does not charge foreign transaction fees and comes with World Mastercard benefits. There is an annual fee of $95. 

Citi® / AAdvantage® Executive World Elite™ Mastercard®

For the frequent traveler who wants the benefit of travel perks and lounge access, the Citi® / AAdvantage® Executive World Elite™ Mastercard® may be a great choice.

The sign-up bonus offers fluctuate, but this generous miles bonus will be awarded after you reach the designated spending threshold in the first 3 months after card approval. You’ll earn 2 miles per dollar spent on American Airlines and 1 mile per dollar on all other purchases.

Travel perks include:

  • A free checked bag for you and up to 8 travel companions on domestic itineraries
  • Priority check in, boarding, and screening for the primary cardholder
  • Complimentary membership for up to 10 authorized users to the American Airlines Admiral’s Club
  • $100 Global Entry application fee credit every 5 years

The card comes with a hefty $450 annual fee, but the sign-up bonus and Admiral’s Club membership more than offset this expense. A new annual household membership to the American Airlines Admiral’s Club costs between $675 and $925 (depending on your American Airlines AAdvantage program status), so the membership alone is worth the annual fee.

You’ll find that there are no foreign transaction fees charged on this card, and it comes with World Elite™ Mastercard benefits.

Hot Tip: To accelerate your progress toward elite status, you’ll receive 10,000 Elite Qualifying Miles once you have spent $40,000 on the card in a calendar year. You’ll also have access to discounted award ticket pricing and a 25% savings on inflight food/beverage purchases rebated to your statement

Barclays AAdvantage® Aviator® Red World Elite Mastercard®

You’ll earn plenty of American Airlines frequent flier miles on the Barclays AAdvantage® Aviator® Red World Elite Mastercard®. That’s because you’ll be jump-starting your earnings with a generous sign-up bonus after making your first purchase within 90 days of card approval. You’ll continue earning with 2 miles for every dollar spent on American Airlines purchases and 1 mile per dollar spent on all other purchases.

When redeeming miles for a ticket, you’ll receive 10% of your redeemed miles back into your account (up to 10,000 miles per year). You’ll also have access to discounted round-trip or one-way travel (up to 7,500 miles less) when redeeming miles for MileSAAver award tickets on certain routes.

Further, if you spend $30,000 on the card during the year between your card anniversaries, you will receive a $100 American Airlines flight discount.

Enjoy a faster path to American Airlines AAdvantage elite status with $3,000 towards EQD requirements once you have spent $25,000 in a calendar year on the card.

While traveling, you and up to 4 companions receive a free checked bag for domestic itineraries and preferred boarding when traveling together on any American Airlines-operated flights. You’ll also receive a 25% savings on inflight food and beverage purchases. The card does not charge foreign transaction fees and comes with World Elite™ Mastercard benefits.

This card has an annual fee of $95.

The Barclays AAdvantage® Aviator® Silver World Elite Mastercard®

You cannot apply for the Barclays AAdvantage® Aviator® Silver World Elite Mastercard® directly; you must have the Barclays AAdvantage® Aviator® Red World Elite Mastercard®card first and then subsequently upgrade. The fee for this card is $195, but it does offer more benefits than the Red Aviator® card.

The Silver Aviator® card has greater earning capacity with:

  • 3 miles per dollar spent on American Airlines
  • 2 miles per dollar on hotels and rental car purchases
  • 1 mile per dollar on all other purchases

You’ll receive all of the same benefits on the Silver Aviator® card as you did on the Red Aviator® card, plus several additional benefits:

  • Free checked bag and preferred boarding benefits are expanded to include up to 8 traveling companions.
  • The $99 companion ticket benefit, earned after spending $30,000 on the card annually, is expanded to include 2 traveling companions.
  • The card comes with a $100 Global Entry application fee credit that resets every 5 years.

One of the benefits of having the Barclays AAdvantage® Aviator® Silver World Elite Mastercard® is the ability to earn more EQD credits toward AAdvantage elite status. Having the card and spending $50,000 in a calendar year allows you to earn a total of $6,000 in EQDs. This maximum applies regardless of how many Aviator cards you have. You’ll also receive 10,000 Elite Qualifying Miles at the $50,000 spend level.

The card does not charge foreign transaction fees and comes with World Elite™ Mastercard benefits.

The Barclays AAdvantage® Aviator® Business Mastercard®

Need a credit card that will earn you rewards on your small business purchases? The Barclays AAdvantage® Aviator® Business Mastercard® does that and more.

Sign-up bonuses fluctuate, but you’ll receive your bonus AAdvantage miles after meeting the required spending threshold. You’ll continue earning 2 miles per dollar spent on:

  • Purchases with American Airlines
  • Purchases with eligible office supply merchants
  • Telecommunications expenses
  • Purchases with car rental agencies

All other purchases earn 1 mile per dollar spent.

When traveling, you’ll receive:

  • First checked bag free for you and up to 4 companions
  • Preferred boarding
  • 25% inflight savings on food/beverages
  • No foreign transaction fees

Once you spend $30,000 on the card between card anniversaries, you’ll receive a $99 companion airfare certificate.

This card also offers free employee cards and zero fraud liability. Additionally, on your card account anniversary, you’ll receive a 5% mileage bonus applied to your account based on mileage earned from your spending.

After spending $25,000 on purchases in a calendar year, you’ll receive $3,000 Elite Qualifying Dollars toward American Airlines AAdvantage Elite Status.

The card comes with World Mastercard benefits and has a $95 annual fee.

A Faster Path to American Airlines AAdvantage Elite Status

If accelerating your journey toward American Airlines elite status is a priority, the Barclays AAdvantage® Aviator® World Elite Mastercards® and the Citi® / AAdvantage® Executive World Elite™ Mastercard® are good choices to help you do that.

Each level of American Airlines elite status qualification requires an EQD (Elite Qualifying Dollars) level of spending with the airline in addition to Elite Qualifying Miles/Segment qualifications (EQM/EQS). If you spend $25,000 on your personal or business AAdvantage Aviator® card, you’ll receive credit for $3,000 toward the EQD requirement.

Regardless of how many Aviator® cards you have, you can only earn $3,000 towards the EQD requirement.

The exception to this is if you have the Barclays AAdvantage® Aviator® Silver World Elite Mastercard®. You can spend $50,000 on this card in a calendar year and receive a total maximum of $6,000 across all cards toward the EQD requirement. You’ll also be earning 10,000 Elite Qualifying Miles once the $50,000 spending requirement is met.

Additionally, if you have the Citi® / AAdvantage® Executive World Elite™ Mastercard®, you receive 10,000 Elite Qualifying Miles after spending $40,000 in a calendar year on the card.

American Airlines AAdvantage Elite Status Requirements

Elite Status LevelEQD RequirementEQM/EQS Requirement
Gold$3,00025,000 EQM  or 30 EQS
Platinum$6,00050,000 EQM or 60 EQS
Platinum Pro$9,00075,000 EQM or 90 EQS
Executive Platinum$12,000100,000 EQM or 120 EQS

You can find more information about the American Airlines AAdvantage loyalty system here. 

Where Can Your American Airlines Miles Take You?

Merida Mexico
Visit Mexico from the continental U.S. for as little as 25,000 miles round-trip. Image by Christine Kryzszton.

By planning ahead, the miles you earn with your Citi and Barclays AAdvantage® Mastercards can take you just about anywhere in the world.

Destination (One-way from the U.S.)Main Cabin (MileSAAver)Business (MileSAAver)
48 contiguous U.S. states12,50025,000
Canada & Alaska15,00030,000
Hawaii22,50040,000
Caribbean15,00025,000
Europe30,00057,500

Not pictured on this abbreviated award chart are off-peak travel awards, which can save you plenty of miles. A round-trip economy class ticket to Europe, for example, can be secured for 45,000 miles during off-peak travel times. A complete list of off-peak discounted award pricing can be found on this American Airlines AAdvantage award chart.

Head off for a weekend in Mexico or the Caribbean in coach class for as little as 25,000 miles round-trip for an off-peak award ticket, or 50,000 miles round-trip in business class for a MileSAAver award ticket.

In addition to booking flights on American Airlines, you can now book flights on 8 of the many Oneworld Alliance partner airlines directly on AA.com using your American Airlines frequent flier miles. Access the complete list of partner airlines with which can you can book award tickets here.

Hot Tip: Read our post on how you can redeem your AA miles for max value if you’re looking for lots of ideas!

World and World Elite™ Mastercard Travel Benefits and Protections

Both Citi and Barclays AAdvantage® Mastercards offer an array of travel and protection benefits.

World Mastercard benefits include:

  • Auto Rental Collision Damage Waiver: Covers theft and collision for most rentals in the U.S and abroad.
  • Baggage Delay Insurance: If your bags are delayed more than 6 hours, $100/day for essentials is provided in the form of a reimbursement.
  • Lost Luggage Reimbursement: Receive up to $3,000 for damaged or lost bags. Immediate family members on the same travel itinerary are included.
  • Travel and Emergency Assistance Services: Help locating emergency services while you travel. (Cardholders pay for actual services rendered.)
  • Roadside Dispatch Assistance: Includes assistance with lockout service, jump start service, gas delivery, and towing. (Cardholders pay for the actual services.)
  • Travel Accident Insurance: Pay for transportation with your card and receive death/dismemberment coverage for any injury incurred.
  • 24-hour Concierge: Professional travel services are just a call away.
  • Travel Discounts: Receive discounts on car rentals, airline reservations, cruise bookings, and vacation packages.
  • Luxury Hotels Perks and Discounts: Access the Mastercard collection of Luxury Hotels/Resorts where you’ll receive upgrades, amenities, and discounts.
  • Purchase Benefits: You’ll receive extended warranties, price protection, purchase security, and return protection when using your card for qualifying purchases.

Find a complete list of all World Mastercard benefits here. Terms, conditions, and exclusions apply.

World Elite™ Mastercard benefits include:

  • World Mastercard Benefits: All benefits and services offered with the World Mastercard also come with the World Elite™ Mastercard. Here are the additional benefits:
    • Trip Cancellation Insurance: Provides up to $1,500 per incident if your trip is canceled for covered reasons. 
    • Luxury Hotel Perks: Receive amenities such as room upgrades, resort credits, free breakfast, and more at dozens of luxury hotel properties.
    • Air Savings: Receive a discount of up to 25% on qualifying airfares on airlines such as Cathay Pacific, Etihad Airways, Swissair, and more.
    • Cruise and Vacation Packages Discount: Receive discounts on several cruise lines, amenities, and savings on tours/vacation packages.
    • Transportation Upgrades and Discounts: Receive upgrades, discounts, and special services on rental cars, chauffeured cars, and private jets.

For a complete list of World Elite™ Mastercard benefits, click here. Terms, conditions, and exclusions apply.

Final Thoughts

Wondering which American Airlines-branded credit card is right for you? If you travel frequently on American Airlines and value travel perks and lounge access, the Citi® / AAdvantage® Executive World Elite™ Mastercard® is an obvious choice.

If earning Elite Qualifying Dollars toward AAdvantage elite status is important to you, one of the Barclays Aviator® cards might serve your priorities well.

And if you’re a small business owner who travels on American Airlines, either the Citi or Barclays business credit cards will ensure all of your expenses are earning miles while providing additional travel perks. 

FAQ

Can I transfer American Airlines frequent flier miles to other airlines?

Unfortunately, American Airline miles cannot be transferred to other airlines. However, you can use them to book flights on other Oneworld Alliance member airlines, of which 8 can now be booked online at AA.com. A complete list of partner airlines can be found here.

Can I earn $3,000 EQDs on several Aviator cards and combine them toward elite status qualification?

Unfortunately you cannot exceed a total of $6,000 EQDs earned from all of your Barclaycard Aviator cards. Also, you must have the Silver Aviator card in order to reach the $6,000 maximum total. You can either earn $3,000 EQDs on other Aviator cards and another $3,000 on the Silver Aviator, or earn all $6,000 on the Silver Aviator card.

Can I have more than one American Airlines-branded credit card?

Yes, you can hold more than one American Airlines-branded credit card.

Is the American Airlines credit card worth it?

If you currently fly or plan to fly on American Airlines and value the associated travel perks, having one of the branded cards can certainly be worth it. The sign-up bonus, travel benefits, and ability to earn frequent flier miles can more than offset the annual fee.

Which American Airlines credit card is the best?

The best American Airlines credit card for you depends on your spending habits, the level of travel perks you desire, and whether you’re looking for a business or personal credit card. Reviewing the features, benefits, and annual fee of each card will allow you to quickly match up the right card with your priorities.

How does the American Airlines credit card work?

You’ll earn American Airlines AAdvantage frequent flier miles for each purchase you make on the credit card. These miles are deposited monthly to your AAdvantage frequent flier account, and at that point the miles are available for your use.

Do American Airlines credit card miles count toward elite status?

The frequent flier miles earned as a result of purchases made on American Airlines credit cards are bonus/redeemable miles and do not count toward attaining elite status. However, the Citi AAdvantage Executive World Elite MasterCard and the Barclays Silver Aviator MasterCard each offer the ability to earn a limited amount of elite status miles when specific spending thresholds are met.

Can I pay my American Airlines credit card online? How do I do that?

Once you receive your American Airlines credit card, you can set up an online account and track your purchases, manage your account, and make payments on your credit card. Adding your bank account information to the online credit card account allows you to easily make a payment online at any time.

When do AAdvantage credit card miles post?

Each month after your credit card statement closes, the miles you have earned for purchases on your American Airlines credit card during that statement period will be deposited into your AAdvantage frequent flier account. Once they are in your frequent flier account, the miles are available to use.

How do I cancel my American Airlines credit card?

If you need to cancel your American Airlines credit card, you can simply call the phone number on the back of the credit card. You can also sign in to your online credit card account and cancel via a secure message. Both of these methods ensure you are contacting the correct financial institution that issued your card, since cards are issued by both Citi and Barclays.

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1 comment

  1. Barry Allen · June 18, 2018 · Reply

    I am really disappointed that the MBNA AAdvantage credit card is to disassociate itself from AAdvantage. This was a widely accepted/recognised credit card which supported collecting air miles in the United Kingdom.
    I am not aware of an alternative UK card which supports AAdvantage air miles so am unsure how to continue using/collecting Americam air miles.
    Perhaps someone could advise me if there is an alternative UK credit card which does.

    Many thanks in advance
    Barry Allen

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