Review: Citi Platinum Select AAdvantage Visa Signature

I review dozens of credit card offers each week to find the best deals. Check out more on our credit card page.

Reward cards can be a frustrating way to earn free travel. Airlines have slashed the number of award seats they offer at the lowest mileage levels, while increasing the fees required to redeem your miles. The result is confusion, frustration and an entire subculture of travel hackers trying to maximize their miles.

But one airline has earned some hacker respect: American Airlines. It still offers a reasonable number of award seats at the lowest mileage levels. And now American Airlines and Citibank offer their Citi Platinum Select AAdvantage Visa Signature Card that allows you to not just earn rewards, but to redeem them as well.

Advantages…

  • Earn a great sign-up bonus. You receive 30,000 miles after spending $1,000 within your first three months of opening an account.
  • Earn miles from spending. Earn 1 mile per dollar spent on most purchases, with 2 miles for each dollar spent with American Airlines.
  • Receive a $100 American Airlines flight discount. You earn one of these coupons each year when you renew your card.
  • 10 percent discount on awards. When you redeem miles, you get a 10 percent rebate, which lets you to stretch your miles even further.
  • Lots of perks. You get your first bag checked free (for up to five people on the same itinerary), priority boarding, and a 25 percent discount on in-flight food and beverage purchases.
  • Redeem miles on any one of American’s Oneworld or other partners.

Disadvantages…

  • Annual fee. It’s $95 but waived the first year.
  • High interest rate. The standard APR is 15.24 percent. That’s higher than many non-reward cards. Anyone paying interest on their credit card debt should look instead for a low-interest card and possibly a zero-percent balance transfer offer.
  • Foreign transaction fees. There’s a 3 percent charge on all transactions processed outside of the United States. At a time when most credit cards aimed at travelers are doing away with these fees, it’s sad to see them in this card.
  • No balance transfer offer. Many credit cards come with a zero-percent balance transfer offer, but this one does not. That’s just as well, since earning rewards is best left to cardholders who don’t have debt.

Bottom line…

Get it if: You want your credit card to give you perks as well as miles you can actually use.

Forget it if: You carry credit card debt or need a card without foreign transaction fees.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
5 Simple Steps to an Awesome Retirement
5 Simple Steps to an Awesome Retirement

The path to your dream retirement begins with these five steps. How many have you already taken?

What Brand Makes the Best Rechargeable AA Batteries?
What Brand Makes the Best Rechargeable AA Batteries?

The best battery depends on what you need it for and how big your budget is. Here’s how to find the cheapest brand that will do the job you need.

8 Types of Companies That Check Your Credit Report
8 Types of Companies That Check Your Credit Report

Federal law lets these entities peek at your credit — regardless of whether you’re borrowing money.

Why Is My Pension Killing My Social Security Benefit?
Why Is My Pension Killing My Social Security Benefit?

A reader says the government is penalizing him for having a pension. Is he right?

9 Ways to Boost Your Home’s Curb Appeal for Less Than $50
9 Ways to Boost Your Home’s Curb Appeal for Less Than $50

These products will instantly improve your home’s curb appeal without breaking the bank.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
7 Kirkland Signature Items to Avoid at Costco
7 Kirkland Signature Items to Avoid at Costco

Even if it seems you save a bundle buying Costco’s Kirkland Signature brand products, they may not be the bargain they appear to be.

How to Buy Gas At Costco Without a Membership
How to Buy Gas At Costco Without a Membership

The warehouse club often has some of the cheapest gas in town. Here’s how you can get it as a nonmember.

10 Things to Stop Buying If You Want a Clutter-Free Home
10 Things to Stop Buying If You Want a Clutter-Free Home

If you like to keep things simple, avoid these purchases.

If You Find This Thrift Shopping, Buy It
If You Find This Thrift Shopping, Buy It

Vacuums from this brand can last a half-century, if not longer — and they’re hot on the resale market.

A Simple Way to Silence Robocalls Today
A Simple Way to Silence Robocalls Today

A few steps can keep your phone from ringing when a spammer calls.

This Company Makes the Best Tires in America
This Company Makes the Best Tires in America

Driver satisfaction with tires is at an all-time high, but one brand stands out.

This Health Issue Can Hint at Dementia Years in Advance
This Health Issue Can Hint at Dementia Years in Advance

One type of pain is especially associated with cognitive decline.

Can I Switch to Spousal Social Security Benefits When My Ex Dies?
Can I Switch to Spousal Social Security Benefits When My Ex Dies?

Knowing when to claim can help you maximize benefits.

Medicare Will Not Cover These 6 Medical Costs
Medicare Will Not Cover These 6 Medical Costs

Don’t let these health care expenses catch you off guard in retirement.

8 Things You Should Always Buy on Amazon
8 Things You Should Always Buy on Amazon

The giant retailer shines when it comes to these things, from basics to hard-to-find specialty goods.

5 Ways to Get Amazon Prime for Free
5 Ways to Get Amazon Prime for Free

Hesitant to drop $119 a year on an Amazon Prime membership? Here’s how to get it for free.

12 Deep Discounts Available on Amazon This Friday
12 Deep Discounts Available on Amazon This Friday

These items are steeply discounted — but the deals won’t last long.

5 Ways to Fill Your Pantry With Free Food
5 Ways to Fill Your Pantry With Free Food

Anyone can take advantage of these resources.

Beware This Hidden Ingredient in Rotisserie Chicken
Beware This Hidden Ingredient in Rotisserie Chicken

Something foul may lurk in those delicious, ready-to-eat birds.

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

6 Reasons You Should Stop Hiding Cash at Home
6 Reasons You Should Stop Hiding Cash at Home

Stashing money around the house is anything but harmless.

5 States With the Worst Health Care for Retirees
5 States With the Worst Health Care for Retirees

All of these states are located in the same region of the nation.

36 Things That Will Be Obsolete Soon
36 Things That Will Be Obsolete Soon

The writing is on the wall for dozens of things we have grown up with.

5 Products You Should Never Buy Generic
5 Products You Should Never Buy Generic

Sometimes the brand-name version is clearly superior.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.