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

An excellent option for American Airlines frequent flyers. Snag bonus miles and enjoy perks like your first checked bag free on domestic itineraries and a discount on in-flight food and beverage purchases.
By Brooklyn Lowery  CardRatings Senior Manager  | Updated

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

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®Sponsored card
Our Rating:   
Excellent, Good
on Citi's secure website

CardRatings Editor's Analysis: Pros & Cons

  • Earn 50,000 American Airlines AAdvantage® bonus miles after you spend $2,500 in the first three months.
  • You and up to four traveling companions traveling with you on the same reservation can check your first bag free on domestic American Airlines itineraries.
  • Enjoy preferred boarding on American Airlines flights.
  • The annual fee after the 12 months isn't necessarily steep for an airline miles card, but it does mean you'll need to earn enough miles and take advantage of the special perks like a free checked bag if you're going to offset the fee.
Terms and Limitations Apply.

If you're looking for a credit card that offers travel rewards, and especially if you're a loyal customer with American Airlines, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® may be worth your consideration. Citi is a CardRatings advertiser.

CITI® / AADVANTAGE® PLATINUM SELECT® WORLD ELITE MASTERCARD® REWARDS

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers two AAdvantage® miles for every dollar spent at gas stations, restaurants and on eligible American Airline purchases.

This is a card designed to get you up in the air and traveling. The card sets this tone immediately with its bonus offer of 50,000 American Airlines AAdvantage® bonus miles, earned once spending $2,500 on the card within the first three months of opening an account. Furthermore, you can earn a $125 American Airlines Flight Discount certificate after you spend $20,000 or more in purchases that post to your credit card billing statement during your credit cardmembership year (every 12 months from the billing cycle after your anniversary month through the billing cycle of your next anniversary month).

Top Features

 Rewards
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1 Loyalty Point for every 1 eligible mile earned from purchases.
 Bonus Rewards
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
 Regular APR
17.49% - 26.49% (Variable)

CITI® / AADVANTAGE® PLATINUM SELECT® WORLD ELITE MASTERCARD® TRAVEL BENEFITS

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers more than just rewards. It has travel perks, too, which could save you money. Some of these travel benefits include:

  • No foreign transaction fees. If you do a lot of international traveling, it doesn't make a lot of sense to have a credit card that comes with a foreign transaction fee. Your entire trip will be more expensive. With this card, though, you can avoid that added expense thanks to there being no fees charged on foreign transactions.
  • First checked bag free. As long as you pay for your airline tickets with your card you and up to four traveling companions will get your first checked bag free. This is a savings of up to $300 per round trip.
  • Less waiting around. Enjoy preferred boarding on American Airlines flights.
  • Inflight discounts. When you're on American Airlines flights, if you use your card, you'll save 25% on inflight food and beverage purchases.

POTENTIAL DOWNSIDES OF THE CITI® / AADVANTAGE® PLATINUM SELECT® WORLD ELITE MASTERCARD®

This is a pretty solid card if you're loyal to American Airlines, but if that's not your preferred airline, or you rarely travel, this might not be the card for you. The annual fee ($99, waived for first 12 months) is manageable, so even if you only travel once or twice a year with American Airlines, the card may still be worth it; however, if you rarely use the card for other purchases, you'll probably have trouble offsetting the cost of carrying it in your wallet. If you prefer more flexibility with how you earn travel rewards, you may want to consider a more general travel rewards credit card instead.

CITI® / AADVANTAGE® PLATINUM SELECT® WORLD ELITE MASTERCARD® CARDHOLDER SCORES

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results:

Current Scores Past Scores (avg.)
Overall Score 73.7 83.3
Rewards Program Satisfaction 7.2 8.3
Customer Service 7.5 8.4
Website/App Usability 7.8 8.3
Likelihood of Continuing to Use 7.5 8.7
Recommend to a Friend/Colleague 7.2 8.1

HOW THE CITI® / AADVANTAGE® PLATINUM SELECT® WORLD ELITE MASTERCARD® COMPARES TO OTHER CARDS

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® vs. American Airlines AAdvantage MileUp Card

The two credit cards are pretty similar but with a few distinctions. First, it's important to note that there is no annual fee with the American Airlines AAdvantage MileUp Card.

Both cards offer two miles per dollar spent on grocery store purchases as well as on eligible American Airline purchases, and with both cards, you'll save money with 25% savings on your American Airlines in-flight food and beverage purchases (provided you pay with one of these cards). The two credit cards slightly differ when it comes to welcome bonuses, though. The American Airlines AAdvantage MileUp Card offers 10,000 bonus miles and a $50 statement credit after spending only $500 in the first three months of opening the account, which is quite a bit less than new cardholders can earn with the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.

Mainly, these two cards differ in that you get a few more perks with the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® - and more room for earning rewards (i.e., spending at restaurants and gas stations and not just grocery stores). But if you love American Airlines and love traveling and don't want to pay an annual fee, maybe the American Airlines AAdvantage MileUp Card is the better card for you. On the other hand, if you go to a lot of restaurants, you'll likely earn enough points to easily offset the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® annual fee, which isn't too high as annual fees go.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® vs.Citi® / AAdvantage® Executive World Elite Mastercard®

Not surprisingly, given that the names are almost the same and they both hail from Citi, these two credit cards are almost twins. They're very much alike, but the Citi® / AAdvantage® Executive World Elite Mastercard® comes with a few more premium perks. For instance, having the first bags checked for you and up to four traveling companions? Well, that's a nice feature, but with the Executive World Elite card you'll get the first bag checked for free, for you and up to eight traveling companions. That's a savings of up to $540 per round trip.

You also get other perks, like Admirals Club® membership and up to a $100 statement credit every five years to cover your Global Entry or TSA PreCheck application fee.

Does this mean the Citi® / AAdvantage® Executive World Elite Mastercard® is superior to the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®? Not necessarily.

We didn't mention yet that the Citi® / AAdvantage® Executive World Elite Mastercard® comes with a $450 annual fee....

Also, to earn the 50,000 American Airlines AAdvantage® mile welcome bonus the Citi® / AAdvantage® Executive World Elite Mastercard® offers to new cardholders, you have to spend $5,000 in purchases in the first three months of opening an account. This is a higher spend threshold than with the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. But, as this is an executive card, meeting that threshold likely won't be difficult for the right cardholder.

Despite its high annual fee, the Citi® / AAdvantage® Executive World Elite Mastercard® is stil a great choice if you regularly travel with American Airlines. The money you'll save on checked bags and Admirals Club® access alone should offset the cost of the card. It really just comes down to how you travel.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® vs.Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is a good card to consider if you want more flexiblity in how you earn travel rewards. To start, it has a generous welcome bonus of 60,000 points which are earned once spending $4,000 in the first three months of opening an account. These bonus points are worth as much as $750 towards travel when you redeem them through Chase Ultimate Rewards®, so right off the bat you've got a lot of spending to put towards your next trip.

Rewards, in general, are generous with the Chase Sapphire Preferred® Card. You'll earn 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.

You won't get free checked bags with the Chase card, but you can look forward to no foreign transaction fees, auto rental collision damage waiver, trip cancellation/trip interruption insurance, baggage delay insurance, and a $50 hotel credit each year for a stay booked through the Ultimate Rewards® portal.

The Chase Sapphire Preferred® Card charges a $95 annual fee.

IS THE CITI® / AADVANTAGE® PLATINUM SELECT® WORLD ELITE MASTERCARD® A GOOD CARD?

If you love to travel, and you're a fan of American Airlines, this is definitely a credit card to consider. If you'd rather take the train or are a homebody, you're probably better off finding a different credit card.

For travelers, though, there's no doubt about it. For every dollar you spend at gas stations, restaurants and on eligible American Airline purchases, you're going to get AAdvantage® miles, and if you use your card regularly, those miles are going to add up quickly. This is a credit card that really will take you places.


Survey Methodology: CardRatings commissioned Op4G in September and October 2021 to conduct surveys among 1,524 cardholders nationwide. CardRatings website analytics from Jan. 1, 2021-Aug. 31, 2021 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. "Current Scores" reflect scores from the most recent survey; "Past Scores (avg.)" are the scores averaged over each prior year the card has been surveyed. "Past Scores" indicates a card has only been surveyed in one prior year.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Compared to Other Airline Cards

Apply online for Discover it® Miles
Apply online for Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit Card
Apply online for British Airways Visa Signature® Card
British Airways Visa Signature® Card
Rewards
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1 Loyalty Point for every 1 eligible mile earned from purchases. 
Rewards
Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. 
Rewards
Receive 7,500 anniversary points and a $75 Southwest® travel credit each year. Enjoy benefits including 3X points on Southwest® purchases, 2X points on local transit and commuting, including rideshare, 2X points on internet, cable, phone services, select streaming, and more. 
Rewards
Earn 5 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL within your first 18 months from account opening, thereafter earn 3 Avios. Earn 3 Avios per $1 spent on hotel accommodations when purchased directly with the hotel within your first 18 months from account opening, thereafter earn 2 Avios. Plus earn 1 Avios per $1 spent on all other purchases. 
Bonus Rewards
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening 
Bonus Rewards
Discover will match all the Miles you’ve earned at the end of your first year.  
Bonus Rewards
Earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months.  
Bonus Rewards
Earn 100,000 Avios after you spend $5,000 on purchases within the first 3 months from account opening.  
Regular APR
17.49% - 26.49% (Variable) 
Regular APR
12.74% - 23.74% Variable APR  
Regular APR
16.74% - 23.74% Variable  
Regular APR
16.74% - 23.74% Variable  

Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

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