Citi aadvantage platinum select world elite mastercard credit score

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Are you thinking about applying for the Citi AAdvantage Platinum Select Mastercard or Citi AAdvantage Executive Mastercard?

The minimum recommended credit score for these credit cards is 700.

How to Increase Your Chances of Getting Approved for the Citi AAdvantage Card

Getting approved for a credit card requires a little planning. Most credit card offers require very good credit. So, when applying for new credit, it’s essential to know your credit scores and what’s on your credit reports.

Credit card issuers want to see a strong credit history, steady income, and low credit utilization. If you’re using too much of your existing revolving credit, it’s a sign that you may not pay them back. You’ll also want to make sure you haven’t applied for too much credit in the recent past. Having too many credit inquiries can lessen your chances of getting approved.

Need help improving your credit score?

One of the best ways to improve your credit scores is by removing negative items from your credit report. Lexington Law can help you dispute (and possibly remove) the following items:

• late payments
• collections
• charge offs
• foreclosures
• repossessions
• bankruptcies

They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone. So if you’re struggling with bad credit and want to increase the likelihood of getting approved for new credit, give them a call at (800) 220-0084 for a free credit consultation.

American Airlines fans have several credit cards to choose from if they’re looking to earn extra miles with their everyday purchases. The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is one that offers some significant perks and bonuses for very little work on the cardholder’s part. With a low annual fee, free checked bag privileges, and bonus miles for dining out and getting gas, this card definitely deserves some consideration.

Here is a closer look at what the Citi / AAdvantage Platinum Select World Elite Mastercard offers American Airlines customers.

This card is a great fit for those who want a way to quickly and consistently earn miles with the purchases they make every day. It’s also good for customers who want a large welcome bonus from their airline card and a low annual fee.

Because this card earns American Airlines miles, also known as AAdvantage Miles, you’ll want to make sure you fly with the airline at least occasionally so you can use the rewards you earn. The card’s other perks, such as free checked luggage or preferred boarding, are also only good on the airline, so if you rarely fly with American you may not get much use from those benefits.

This card typically requires excellent credit for approval, so applicants with healthy credit may have a greater chance of success.

Card basics

Citi / AAdvantage Platinum Select World Elite Mastercard benefits and perks

• Generous welcome offer: American Airlines has a very generous welcome offer that’s relatively easy to attain. You’ll get 50,000 miles after you spend $2,500 in purchases within first 3 months of account opening. That’s enough miles to get you up to two round-trip flights to almost anywhere in the contiguous 48 states in the U.S. and Canada, depending on your flexibility.
  
• Easy miles with everyday spending: You can easily grow your bank of miles by doing your everyday shopping with the Citi / AAdvantage Platinum Select World Elite Mastercard. You’ll earn 2X miles at gas stations and restaurants, and on eligible American Airlines purchases; and unlimited 1X miles on all other purchases. Those bonus categories can rack up miles quickly.
• Flight perks: This card gives you some cool perks when flying. The first is one free checked bag for you and up to four companions when flying domestically. You’ll also get preferred boarding on American Airlines flights. If you want lounge access to the Admirals Club, however, you'll need to opt for the Citi® / AAdvantage® Executive World Elite Mastercard® instead.
  
• Discounts: You’ll get some nice discounts when using the Citi / AAdvantage Platinum Select World Elite Mastercard. First, you’ll get 25% off beverage purchases and other in-flight purchases when flying American Airlines. You can also earn a $125 American Airlines flight discount after you spend $20,000 or more in purchases in one year and renew your card membership. Citi World and World Elite cardmembers get a free ShopRunner membership which offers free shipping and free returns at over 100 stores.
  
• Reduced Mileage Award program: As a cardholder, you'll have access to this money-saving program. If you use your miles for eligible round-trip domestic MileSAAver award flights, you'll be given a discount of either 2,000 miles (on flights uner 500 miles) or 7,500 miles (on flights of 500 miles or more).
  
• No foreign transaction fees: This card charges no foreign transaction fees, so you can use it on your international travels without racking up added expenses.
• Loyalty Points: Earn one Loyalty Point for every one eligible mile you earn from card purchases. Loyalty Points can help you achieve elite status with American Airlines.

Drawbacks to this card

• Lack of flexibility with rewards: This card will primarily be best for people who regularly travel with American Airlines or its Oneworld Alliance partner airlines. Unlike some travel rewards credit cards, you won't be able to transfer your miles to a range of airlines outside the Oneworld network. This can be a drawback for frequent travelers looking to fly on other airlines or with other alliances.
• Annual fee: Though it's not a big fee at $99 (waived first year), you will have to pay each year you hold this card. Make sure the travel benefits you're enjoying end up being worth more than the fee.

Earning & redeeming Aadvantage Miles

Potential earnings in years one and two

Here's a look how your AAdvantage miles can add up with the Citi / AAdvantage Platinum Select World Elite Mastercard. To calculate these values, we used a point valuation of 1 cent per mile.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $859

Year two earnings: $260

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model which takes a look at points earned via spending, the sign-up bonus, and the annual fee. If you are able to use the various credit and travel perks that come with this card, you'll experience far more earnings.

In addition, the "travel" spending used to calculate these numbers did not include any American Airlines spending or spending with their partner airlines. Of course, with this card you are likely to book with American and its hospitality partners. So your earnings in your first year and second year would potentially be much higher than what is projected here.

Best ways to earn

Earning miles is easy with the Citi / AAdvantage Platinum Select World Elite Mastercard. When you use your card at gas stations, restaurants, and eligible American Airlines purchases, you get 2X miles per dollar spent. Those are common spending categories for many families, so you could earn miles quickly depending on your budget.

For all other eligible purchases, you’ll get 1X per dollar spent.

Maximizing your redemptions

The ease of redeeming miles is certainly a big plus with the Citi / AAdvantage Platinum Select World Elite Mastercard. American Airlines has flexible fare options as low as 7,500 miles each way, which makes earning enough miles to get free or discounted airfare pretty easy. To really score a deal, however, try to have flexible travel dates. If you can travel on cheaper days (typically mid-week) you could stretch your miles further.

However, it’s the other perks that come with this card that really deliver the value. First is the free checked bags on American Airlines flights. This can save you at least $60 on a roundtrip domestic flight, were you to need a bag bigger than a carry-on. If you’re a frequent flyer, this can really add up for you.

You’ll also get preferred boarding, which places you behind priority boarding passengers but before economy tickets, so you’ll also save some time — and get more access to those overhead bins! — because of your card privileges.

Citi / AAdvantage Platinum Select World Elite Mastercard FAQs

Other cards to consider

If it’s sounding like the Citi / AAdvantage Platinum Select World Elite Mastercard isn't the best airline credit card or travel card for you, here are two other card offers to consider.

The AAdvantage® Aviator® Red World Elite Mastercard® is very similar to the Citi card, but has some significantly upgraded perks. First is a larger welcome offer: Earn 60,000 bonus miles after you make your first purchase in the first 90 days and pay the annual fee. You can also earn a $99 companion fare certificate after making one purchase and paying the annual fee within the first 90 days. You'll also enjoy statement credits like 25% off in-flight food or beverage purchases and $25 per year toward in-flight WiFi.

The Chase Sapphire Preferred® Card is an overall great travel credit card that delivers perks and benefits beyond one single airline. It has a welcome offer of 60,000 points after you meet the spending requirement of $4,000 within the first 3 months after account opening. That’s worth $750 in travel, not to mention extra savings when you book travel, hotel, or car rental reservations through Chase Ultimate Rewards.

Author Details

Robin Kavanagh Robin is a freelance writer who lives on the South Carolina beach. She has spent the last 20 years writing about all kinds of topics for publications such as The New York Times, Yes! Magazine, Next Tribe, Parenting, and various trade magazines. On FinanceBuzz.com, you’ll find her mostly writing about smart ways to use credit cards, navigating personal loans, how to save when traveling, and ways to improve your financial health.

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