Is the American Airlines MileUp Credit Card Worth It? In a Few Scenarios, Definitely!

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Is the American Airlines MileUp Credit Card Worth It? In a Few Scenarios, Definitely!

Harlan VaughnIs the American Airlines MileUp Credit Card Worth It? In a Few Scenarios, Definitely!Million Mile Secrets Team

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If you’ve been sleeping on the American Airlines AAdvantage MileUp℠ Card, it’s time to give it another look, because it has key benefits that might fill a niche for you, like:

  • NO annual fee – keep it forever to help age your overall credit accounts
  • 2X American Airlines miles at grocery stores with NO cap
  • 10,000 American Airlines mile bonus, plus a $50 statement credit after you spend $500 on purchases within the first 3 months of account opening

Plus, Citi’s stricter application rules don’t apply to this card.  So you can open it even if you have other Citi American Airlines cards, including:

On the other hand, you won’t get the perks – or fees – those cards have.

If You Spend a Lot on Groceries, Want a Card With No Annual Fee, or Just Want More American Airlines Miles, the Citi AAdvantage MileUp Card Could Be Worth It for You

Let’s take a look!

The Citi American Airlines MileUp Credit Card Is Worth It for Many Folks

Apply Here:   American Airlines AAdvantage MileUp℠ Card

Our review of the American Airlines AAdvantage Mileup Card

The American Airlines AAdvantage MileUp card is Citi’s only American Airlines card with NO annual fee.  If you’re looking for a card that’s free to keep long-term, this is a great option that also earns valuable American Airlines miles.

Having a card without an annual fee is an easy way to increase the average age of all your credit accounts, which could boost your credit score.  I recommend having at least one card with a $0 annual fee for this very reason.

You’ll also earn 2 American Airlines miles per $1 spent at grocery stores, including eligible grocery delivery services.  If you spend a lot on groceries, this perk alone could make the American Airlines AAdvantage MileUp card worthwhile.

If You Don’t Care for Annual Fees, Spend a Lot on Groceries, or Have Other Citi American Airlines Cards, the MileUp Card Is Good to Get

Finally, Citi’s tougher application rules do NOT apply to this card.  You can get it to add extra American Airlines miles to your collection even if you have the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® or Citi® / AAdvantage® Executive World Elite™ Mastercard®.

That’s important to know, because you’ll earn 10,000 American Airlines miles and a $50 statement credit after spending $500 on purchases in the first 3 months of account opening, which is a decent offer for a no annual fee card.  It’s enough for a short-haul domestic award flight in coach.  Or you can save up your miles for a bigger award.

Here’s our full review of the Citi American Airlines MileUp card.

You Should Skip the Citi American Airlines MileUp Credit Card If…

Folks who fly American Airlines often enough to benefit from perks, but not enough to earn elite status (I’m in this boat!), should consider these cards instead:

That’s because, with these cards, you’ll get a free checked bag on domestic itineraries, preferred or priority boarding, and no foreign transaction fees.

If You Check Bags on American Airlines and Don’t Have Elite Status, You’re Better Off With a Different Card

They also come with access to Reduced Mileage Awards, which can save you 1,000s of miles on domestic award trips.

If you can use these benefits, they can more than outweigh the annual fees.  Plus, the sign-up bonuses on both cards are much bigger.  Check out the reviews linked above to get the details. ✈️

One Final Consideration About the Citi American Airlines MileUp Card

This card, and all of Citi’s personal American Airlines cards will count against your Chase 5/24 status.

That means Chase will NOT approve you for most of their cards if you’ve opened 5+ cards from any bank (NOT counting Chase business cards and other business cards) in the past 24 months.

If you’re new to miles & points, it can seem alluring to open the American Airlines AAdvantage MileUp card for all the reasons mentioned above.

However, you’d be wise to start with Chase cards, because they have some of the best credit card offers in the industry.  After you get the Chase cards you want, you can move on to other banks, like Citi.

Bottom Line

The American Airlines AAdvantage MileUp card is a smart choice if you want:

  • No annual fee
  • 2X American Airlines miles at grocery stores
  • Another American Airlines sign-up bonus, because Citi’s application rules don’t apply to this card

But it’s not worth it if you:

  • Fly American Airlines semi-regularly, and could use the perks of other cards, like preferred boarding
  • Pay for checked bags on American Airlines on domestic flights
  • Are trying to stay under 5/24 to qualify for the best Chase cards

You can apply for the American Airlines AAdvantage MileUp card here.

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American Airlines AAdvantage MileUp℠ Card

American Airlines AAdvantage MileUp℠ Card

  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening*
  • No Annual Fee*
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases*
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights*

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Would this card work for small authentic grocery shops?

Author

As long as it codes as a grocery store (which they should), then yes!

We have both the Barclays AA Mastercard and the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® so we keep the Barclays because it is chip and pin and works in unmanned kiosks in Europe (lifesaver), has same 10% points rebate on awards, and Barclays will often waive the fee or offer a spend bonus or statement credit. Then we downgrade the Citi card to this one (used to be the Bronze AA card). Wait out the application restrictions and then can reapply for the Citi AA Platinum Select. Biggest problem with AA miles is ever finding award space to Europe.

Hello MMS, If I earned an AA bonus recently on another card, can I still apply and get this AA bonus?

Thanks

Which AA card did you earn a bonus with?

Citi AA Platinum select world elite

Yes, you can still qualify for the AA MileUp card.

You’ll also want to skip it if your only choices for groceries is a Walmart. It won’t earn 2X miles there. Doesn’t matter if it is a Supercenter or a Neighborhood Market.

Author

Thanks for adding this tip, Ed!