Many of the credit card offers that appear on this site are from credit card issuers from which MillionMileSecrets.com receives compensation. Compensation does not impact the placement of cards on Million Mile Secrets other than in banner advertising. MillionMileSecrets.com does not include all credit card offers that might be available to consumers in the marketplace.

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! :)

With All Sorts of Perks Disappearing Soon, Is the Citi AAdvantage Platinum Select World Elite Mastercard Worth It?

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

With All Sorts of Perks Disappearing Soon, Is the Citi AAdvantage Platinum Select World Elite Mastercard Worth It?

Jasmin BaronWith All Sorts of Perks Disappearing Soon, Is the Citi AAdvantage Platinum Select World Elite Mastercard Worth It?Million Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is losing all sorts of benefits this fall.  Although you’ll still be able to earn American Airlines miles and get perks like free checked bags, given the changes, you might be considering whether or not the Citi AAdvantage Platinum Select is worth it. 

Is the Citi AAdvantage Platinum Select worth it given upcoming changes to the card? (Photo by NextNewMedia/Shutterstock)

Here’s what you should consider before deciding to apply for (or keep) the Citi AAdvantage Platinum Select card.

Is the Citi American Airlines AAdvantage Platinum Select Card Worth It?

Apply Here:   Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Read our review of the Citi AAdvantage Platinum Select World Elite Mastercard

A number of us on the MMS team have, or have had the Citi AAdvantage Platinum Select card. It’s a solid card if you collect American Airlines miles or fly them frequently enough to make use of the card’s perks. And it’s got a welcome bonus of 50,000 American Airlines miles after spending $2,500 on purchases within the first 3 months of account opening.

The Citi AAdvantage Platinum Select also has an American Airlines flight discount of $125, which you will earn after spending $20,000+ in an account anniversary year.

The Citi American Airlines Platinum Select Could Be a Good Starter Card

If you’re new to the Citi AAdvantage Platinum Select, it’s still a solid deal. Here are a few reasons why:

  • You’ll earn 50,000 American Airlines miles after spending $2,500 on purchases within the first 3 months of account opening – that’s enough for 2 round-trip domestic coach tickets
  • If you spend a lot on American Airlines or at restaurants and gas stations, you’ll earn 2X American Airlines miles per $1 on these purchases, so your miles will add up quickly
  • The $99 annual fee is waived for the first 12 months, so it’s free to try out the card your first year and decide if the benefits and perks make it worth keeping
  • On domestic American Airlines itineraries, you’ll get a free first checked bag for yourself and up to 4 companions on the same reservation – worth $60 per person on a round-trip flight
  • You and up to 4 companions on the same reservation will get preferred boarding (Group 5) which lets you board sooner to settle in and find space for your carry-on bag in the overhead compartment
  • If you spend $20,000+ in an account anniversary year, you’ll earn a $125 American Airlines flight discount

After the First Year, Is the Citi American Airlines Platinum Select Card Still Worth It?

This is where you’ll want to crunch some numbers and figure out if the return you’ll get from the Citi AAdvantage Platinum Select is worth more than the the $99 annual fee.

I’ll speak from my own experience – over the past 6+ years, I’ve always had an annual-fee American Airlines card in my wallet (currently the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®) because the free checked bag on domestic flights always makes up for the annual fee and then some.

If you value American Airlines miles (I love redeeming them for American Airlines partner award flights), you’ll also want to consider how you’ll earn more if you don’t have a card that earns American Airlines miles directly. The only major transferable points program that partners with American Airlines is Marriott.

Redeeming American Airlines miles for partner award flights, like Japan Airlines, can be an amazing deal. (Photo by Jasmin Baron/Million Mile Secrets)

In short, it’s worth keeping the Citi AAdvantage Platinum Select long term if you:

  • Like American Airlines miles but don’t have other cards that directly or indirectly earn them (like the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® or Marriott Bonvoy Boundless™ Credit Card)
  • Check a bag on American Airlines domestic flights at least a couple of times per year (with 2 round-trip flights, you’d save $120 in bag fees – more than the annual fee)
  • Value preferred boarding (Group 5) to get on the plane sooner (this is especially handy for families with young kids or folks who need a little more time to settle in)
  • Book American Airlines Basic Economy tickets to save money, but still like having benefits like a free first checked bag on domestic itineraries and preferred boarding
  • Will spend $20,000+ in an account anniversary year to earn a $125 American Airlines flight discount
  • Don’t need a card that offers travel coverages like baggage delay, trip delay, and trip interruption / cancellation insurance

If you’ve considered all of the above and still don’t feel the Citi AAdvantage Platinum Select is worth keeping, don’t rush to cancel it when your annual fee comes due. Instead, ask Citi if you can downgrade it to their no-annual-fee American Airlines AAdvantage MileUp℠ Card.

You won’t earn the welcome bonus or get perks like a free checked bag or preferred boarding. But it’s a way to keep your credit line and history intact (confirm with Citi that you’ll keep the same card number) and still have a card that earns American Airlines miles (including 2X per $1 on groceries) without ponying up an annual fee.

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

Bottom Line

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is worth it for many folks, especially in the first year. It comes with an increased welcome bonus of 50,000 American Airlines miles after spending $2,500 on purchases within the first 3 months of account opening – a nice deal if you like American Airlines miles.

But as of September 22, 2019, this card is losing all sorts of perks including:

  • Worldwide car rental insurance
  • Trip cancellation & interruption protection
  • Worldwide travel accident insurance
  • Citi® price rewind
  • Trip delay protection
  • Baggage delay protection
  • Lost baggage protection
  • 90 day return protection
  • Roadside assistance dispatch service
  • Travel & emergency assistance

That’s a lot of coverages to be losing, but if you already have those perks with a different card, other benefits can make it worth keeping, even with the $99 annual fee (waived the first 12 months), like:

  • First checked bag free for you and up to 4 companions on the same reservation on domestic itineraries (worth $60 per person round-trip)
  • Preferred boarding (Group 5) so you can get on the airplane sooner
  • A $125 American Airlines flight discount when you spend $20,000+ on the card in an account anniversary year

If you decide the Citi AAdvantage Platinum Select is no longer worth it for you after this change, you might consider downgrading it to the no-annual-fee American Airlines AAdvantage MileUp Card. That way, you’ll still have a way to earn American Airlines miles while preserving your credit line and history.

What’s your take on the changes to the card? Is the Citi AAdvantage Platinum Select worth it for you?

To learn more, check out:

For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

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! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!

27comments

by Newest
by Best by Newest by Oldest

Is there someone I can call regarding the signup bonus? I was targeted in feb making a booking for a 40k miles and $200 credit after 3k spend, but didn’t know if I could get matched to the new 60k offer? Tia

I’ve flown as twice in the last week (1 week apart) and both times my wife and I were in group 6. We both have the same as citi personal card and the aviator red card. I remember getting group 5 last year when we flew aa and previously I think as high as group 2 with us airways. Did something change to make it g 6?

Author

Hi Nate – That’s odd. It should have been group 5 – here’s the boarding order from the AA site:

https://www.aa.com/i18n/travel-info/boarding-process.jsp

The email I received from Barclays says the 10% rebate ends Nov 1, 2019, not May 1, 2019

Author

Hi Norman – Are you sure you’re looking at the right email? The email MMS team members got as Barclays Aviator Red cardholders clearly says May 1, 2019.

Beginning May 1, 2019, changes and enhancements will be coming to your AAdvantage® Aviator® Red Mastercard®.

New card benefits include:

Companion Certficiate Earn a Companion Certificate good for 1 guest at $99 (plus taxes and fees) after qualifying account activity1

wifi Get up to $25 back on inflight Wi-Fi purchases each anniversary year2

Flight Cents Turn your change into American Airlines AAdvantage® miles with Flight CentsTM3

The following changes will also be made:

Redeemed miles 10% redeemed miles back will be discontinued, effective November 1, 2019

Flight Discount The $100 American Airlines Flight Discount benefit will be discontinued starting May 1, 2019

You can earn your final $100 Flight Discount code on or after May 1, 2019, after qualifying account activity*

EQD Effective January 1, 2020, you will no longer earn $3,000 Elite Qualifying Dollars (EQDs) after spending $25,000 on purchases with your card

Annual fee Your annual fee will be increased to $99 beginning on your next anniversary on or after May 1, 2019

Author

Hi Norman – Well, that’s awfully strange (and you’ve got us all perplexed now) – here’s the version of the email team member Joseph got:

Beginning May 1, 2019, changes and enhancements will be coming to your AAdvantage® Aviator® Red Mastercard®.

New card benefits include:

Companion Certficiate

Earn a Companion Certificate good for 1 guest at $99 (plus taxes and fees) after qualifying account activity

Get up to $25 back on inflight Wi-Fi purchases each anniversary year

Turn your change into American Airlines AAdvantage® miles with Flight CentsTM

The following changes will also be made:

Redeemed miles

10% redeemed miles back will be discontinued, effective May 1, 2019

Flight Discount

The $100 American Airlines Flight Discount benefit will be discontinued starting May 1, 2019

You can earn your final $100 Flight Discount code on or after May 1, 2019, after qualifying account activity*

Annual fee

Your annual fee will be increased to $99 beginning on your next anniversary on or after May 1, 2019

You’ll continue to enjoy:

2X AAdvantage® miles on eligible American Airlines purchases

1X 1X AAdvantage® miles on all other purchases

First eligible checked bag free

Preferred boarding

For full details please refer to the “IMPORTANT INFORMATION ABOUT CHANGES TO YOUR ACCOUNT” letter that was mailed to you on March 1.

Did you open your card recently by chance?

Could be it. I opened it oct 2018

Barclays red card is losing that rebate , however we are getting a companionships certificate for $99, I’ll keep that for big flights!

Author

Hi Molly – If you can meet the spend to unlock the benefit, it’s a nice deal!

Dont forget to get the free checked bag you do not need to purchase the flight with the credit card compared to united. If you fly as a family once a year domestically 4 bags $240 round trip savings. For $99 not bad right?

Author

Hi David – Totally agree!

Load more