- Sign-Up Bonus
- 5
- Spending Multipliers
- 3
- Credits & Features
- 1
- Fees
- 4.5
- Application
- 3.5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 5
- Spending Multipliers
- 3
- Credits & Features
- 1
- Fees
- 4.5
- Application
- 3.5
- Issuer
- NaN
The Citi AAdvantage MileUp Card from Citibank is a no‑annual‑fee airline rewards card designed for casual travelers and American Airlines loyalists who want to earn miles without paying ongoing fees. With everyday 1x miles on purchases, 25% savings on inflight American Airlines purchases, and the ID Theft Protection program offered by Mastercard, this card is ideal for budget‑conscious flyers who prioritize simple rewards and basic travel perks over premium bonuses. While it does include a 3% foreign transaction fee and lacks elevated earning categories, the MileUp card benefits travelers who take occasional American Airlines flights and want to build miles with minimal cost, making it a smart entry‑level option for students, infrequent flyers, or anyone seeking a fee‑free way to start earning airline rewards.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
- Welcome bonus is only available if you didn’t open close, or product change any AAdantage card in the last 24 months
- Number of hard pulls have a huge impact on Citi applications, consider having less than 6 hard pulls in the past 6 months
- Consider having at least a credit history for 1 year
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- Up to $41 return payment fee
- 19.49% - 29.49% Variable APR
- 29.74% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 19.49% - 29.49% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)