Tag: credit card for frequent travelers.

Citi / AAdvantage Platinum Select World Elite„¢ Mastercard Review

The Citi / AAdvantage Platinum Select World Elite„¢ Mastercard is a premier travel rewards credit card issued by Citibank. It offers a robust suite of benefits tailored for frequent travelers, especially those who fly with American Airlines. With a strong rewards structure, enticing sign-up bonuses, and valuable travel perks, this card may be an excellent option for those looking to maximize their travel experience.

Card Type

This card is a co-branded travel rewards credit card specifically designed to benefit American Airlines AAdvantage program members. It allows cardholders to earn miles for purchases that can be redeemed for flights, seat upgrades, and more.

Annual Fee

The Citi / AAdvantage Platinum Select World Elite„¢ Mastercard carries an annual fee of $99. However, this fee is waived for the first year, making it a favorable option for new cardholders who want to explore the benefits without any initial cost.

Rewards Program

This card boasts a comprehensive rewards program that allows cardholders to earn 2 AAdvantage miles for every dollar spent on American Airlines purchases, dining establishments, and eligible gas stations. All other purchases earn 1 mile per dollar. The miles can be redeemed for flights, upgrades, and other travel-related expenses, offering flexibility in how you use your rewards.

Sign-Up Bonus

New cardholders can take advantage of a generous sign-up bonus: earn 50,000 AAdvantage bonus miles after making $2,500 in purchases within the first 3 months of account opening. This bonus can significantly enhance your travel plans, with miles eligible for use on flights and other benefits.

APR (Annual Percentage Rate)

The Citi / AAdvantage Platinum Select World Elite„¢ Mastercard offers a regular APR range of 15.99% to 24.99%, depending on creditworthiness. Additionally, new cardholders may benefit from an introductory 0% APR on balance transfers for the first 12 months (considering there is a balance transfer fee that applies).

Foreign Transaction Fees

One of the advantages of this card is that it has no foreign transaction fees. This feature is particularly beneficial for international travelers, allowing you to make purchases abroad without incurring extra costs.

Balance Transfer Options

The card provides an appealing balance transfer option with an introductory 0% APR for the first 12 months, after which the standard APR applies. However, a balance transfer fee of 3% (minimum $5) is applicable, making it a strategic choice for those looking to manage existing debt.

Additional Fees

While the annual fee is manageable, cardholders should be aware of other potential fees. Late payment fees can reach up to $40, and cash advance fees typically range from 5% or $10, whichever is higher.

Card Benefits and Perks

The Citi / AAdvantage Platinum Select World Elite„¢ Mastercard is packed with valuable benefits. Cardholders enjoy perks such as:

– First checked bag free on American Airlines flights (for the cardholder and up to four companions).
– Priority boarding on American Airlines flights.
– Access to 5x miles on American Airlines flights purchased through American Airlines website or app.
– Travel and emergency assistance, as well as a toll-free number to contact when traveling.

Customer Protections and Insurance

Cardholders are protected with several customer protections, including $0 fraud liability, which means that you are not responsible for unauthorized charges. The card also includes purchase protection for eligible items damaged or stolen within 90 days of purchase and car rental insurance, adding additional layers of security to card usage.

Eligibility and Credit Score Requirements

To qualify for the Citi / AAdvantage Platinum Select World Elite„¢ Mastercard, applicants should typically have a good to excellent credit score, generally ranging from 700 to 850. Approval also depends on other factors such as income and credit history.

Introductory Offers

As previously mentioned, new cardholders can enjoy a 0% APR introductory rate on balance transfers for the first 12 months. This promotional period can provide substantial savings for those looking to transfer existing credit card debt.

Special Features or Unique Selling Points

One of the card’s most enticing features is the first checked bag free, which can save families significant amounts on travel expenses. Additionally, cardholders have access to the Concierge Service, which assists with travel planning and booking, making travel experiences more streamlined and enjoyable.

How to Apply

Applying for the Citi / AAdvantage Platinum Select World Elite„¢ Mastercard is convenient. Prospective applicants can complete the application process online through the official Citi website. For further details and to start your application, you can visit the ‘>Apply Here webpage and start enjoying the many benefits this card has to offer!

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