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10,000 miles, no annual fee and a bonus at grocery stores: American Airlines AAdvantage MileUp card review

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10,000 miles, no annual fee and a bonus at grocery stores: American Airlines AAdvantage MileUp card review

Roger Young10,000 miles, no annual fee and a bonus at grocery stores: American Airlines AAdvantage MileUp card reviewMillion Mile Secrets Team

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INSIDER SECRET: This card gives you primary rental car insurance when you’re renting outside the US. That’s excellent for a card with no annual fee.

The American Airlines AAdvantage MileUp℠ Card is the only American Airlines credit card with no annual fee. It’s the perfect no-risk way to try out the world of miles and points.

One of the best parts about this card is that it’ll give you bonus miles when you spend on groceries, which is a big expense for most of us. Not even the American Airlines cards with annual fees have that bonus category.

Plus, current Citi American Airlines cardholders will be relieved to know that the MileUp card is exempt from the sign-up bonus restrictions on other Citi American Airlines credit cards. This means that you are more likely to be eligible for this offer.

If you’re looking for a great way to earn American Airlines miles without an annual fee, you can apply for the American Airlines MileUp here.

Boost your American Airlines balance with 2x miles on groceries with the Citi American Airlines MileUp card. (Photo by GagliardiPhotography/Shutterstock)

American Airlines MileUp bonus

With the American Airlines AAdvantage MileUp card, you’ll earn 10,000 American Airlines miles and a $50 statement credit after spending $500 on purchases in the first three months of account opening. That’s more than enough for a short-haul domestic coach flight.

There are certainly higher intro offers on other Citi American Airlines cards, but this is a decent bonus for a no-annual-fee credit card.

Further reading: Best no annual fee credit cards

Benefits and perks of the American Airlines MileUp

25% savings for inflight snacks

When you fly American Airlines, you’ll save 25% on inflight purchases of drinks or snacks when you pay with your card. Next time you order a snack during your flight, remember to get your discount.

Access to Citi Price Rewind to save on price drops

Not only is the American Airlines AAdvantage MileUp card free to keep, but can also save you money.

The American Airlines AAdvantage MileUp card comes with price protection from Citi Price Rewind, which is a feature of Citi’s personal cards. You can save up to $1,000 per year and up to $200 per item when you register your purchases with Citi.  If they find a lower price within 60 days, you’ll get the difference credited back to your card. I use this perk all the time for smaller purchases like clothes, household products and pet supplies.

Not many cards offer price protection anymore, so getting it with a no-annual-fee card is even better.

Trip cancellation and interruption protection for travel emergencies

If you have to cancel or end a trip for an emergency, like sickness, injury or severe weather, you can recover nonrefundable expenses when you pay for your travel with the American Airlines AAdvantage MileUp card. You can get up up to $1,500 per trip and a maximum of $5,000 per calendar year in coverage.

Rental car insurance that’s secondary at home, but primary abroad

When you pay for your car rental with the American Airlines AAdvantage MileUp card and decline the coverage offered by the rental company, you’ll get coverage up to $50,000 in case of an accident or theft. You’re covered for rentals up to 31 consecutive days.

What’s good about this benefit is that although coverage is secondary within the U.S., it’s primary overseas. That means you won’t have to file a claim with your personal insurance before you can use it. We don’t see this on many no-annual-fee cards. If you don’t have other cards with car rental insurance, this is a good one to use, especially internationally.

Further reading: Best credit card for car rental

Travel accident insurance

If you die, or lose a limb, sight, speech or hearing during your travels, Citi may provide up to $250,000 in compensation. You, your spouse or domestic partner and dependents are covered if something happens when you’re traveling with a common carrier (like airlines, trains, ferries, and cruise ships).

Shopping return protection

If a merchant won’t take back your unwanted item, you can file a claim for return protection if you paid with your American Airlines AAdvantage MileUp card. You can get a refund up to $300 per eligible item, and up to $1,000 per year, within 90 days of purchase.

Damage and theft purchase protection

If your eligible purchases are damaged or stolen within 90 days of purchase, you can file a claim for repair or reimbursement.

With this benefit, you’re covered up to $1,000 per incident and up to $50,000 per calendar year. Note this coverage is secondary to other insurance you might have, like homeowner’s or rental insurance.

Extended warranty protection up to 84 months

Get 24 months added to an original manufacturer’s warranty when you pay with your card. If a covered item breaks, you can file a claim for repair, reimbursement or replacement up to the lesser of the original amount or $10,000 per item. With this perk, you can get a maximum of 84 full months of warranty coverage for eligible items. That’s an excellent perk from a card with no annual fee.

Virtual card number for online purchases

If you shop online a lot, you can generate a virtual card number to use. This number is linked to your American Airlines AAdvantage MileUp card but is different from your actual card number, which gives you more protection against fraud. You’ll be able to shop as you normally would without having to enter the number on your physical card.

Early and/or better access with Citi Private Pass

Citi Private Pass gives Citi customers early access to concerts, sports events, theater performances and more. Other times, you’ll get preferred access for better seats or invitations to special events.

There are lots of events listed on the website and they’re always changing. It’s worth a look to see what’s coming to your area, or somewhere along your travels, so you can score better tickets.

Concierge access for help with the details

You can call Citi Concierge to help with:

  • Travel plans
  • Shopping or finding a specific item
  • Dining reservations
  • Entertainment tickets or arrangement
  • Everyday needs

If you can’t get a reservation at a restaurant, for example, you can ring the concierge to see if they can work their magic. It’s a free service and never hurts to try.

Is the American Airlines AAdvantage MileUp worth it?

This card is absolutely worth it, because the AAdvantage MileUp has no annual fee. Keeping no-annual-fee cards for the long term can increase your average account age and possibly boost your credit score.

Because this card is exempt from Citi’s tougher credit card application rules, you are eligible for the Citi American Airlines MileUp card even if you have another Citi American Airlines card, like the Citi® / AAdvantage® Executive World Elite™ Mastercard®.

How to earn miles with the American Airlines MileUp

The American Airlines AAdvantage MileUp card comes with a solid return on everyday spending with no limit on the number of miles you can earn.

You’ll earn:

  • 2 American Airlines miles per dollar on eligible American Airlines purchases
  • 2 American Airlines miles per dollar at grocery stores, including eligible grocery delivery services
  • 1 American Airlines mile per dollar for all other purchases

Unlike other Citi American Airlines credit cards, the MileUp includes grocery stores as a bonus category. So if you spend a lot on groceries and are looking to earn American Airlines miles, this card is a great choice.

Note: You won’t earn bonus miles for grocery purchases at Walmart and Target. Thanks to reader Ed. C for pointing out that this also excludes Walmart Neighborhood Markets.

Further reading: How to use American Airlines miles

Domestic coach flights on American Airlines in economy cost as little as 7,500 miles each way. So with this super-easy bonus, I could fly from my home airport of Cincinnati to Chicago and still have miles to spare.

Does the American Airlines AAdvantage MileUp have a foreign transaction fee?

Yes. If you travel outside the country, you’ll want to leave this card at home.

American Airlines MileUp customer service

Citi has great fraud protection and monitor your accounts for suspicious activity. The MMS team likes the fact that Citi will text you if they sniff any suspicious behavior.

Hold times are short when I’ve had to call Citi. Customer support has been thorough and professional every time, even when I’ve asked detailed questions about travel rewards or card benefits.

Cards similar to the American Airlines AAdvantage MileUp

For a bigger sign-up bonus, check out the Citi® / AAdvantage® Executive World Elite™ Mastercard®.

The welcome bonuses on other Citi cards can get you a business-class flight to Asia on partner Cathay Pacific. But be prepared for higher costs: The 60,000 American Airlines mile bonus from the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® (after spending $3,000 on purchases in the first three months of account opening) comes with a $99 annual fee, waived for the first 12 months. Here’s our review of the CitiBusiness AAdvantage Platinum Select.

Bigger bonuses mean lie-flatter seats. (Photo by Jasmin Baron/Million Mile Secrets)

Or you can earn a bonus of 50,000 American Airlines miles from the Citi® / AAdvantage® Executive World Elite™ Mastercard®, but you’ll have to spend $5,000 on purchases in the first three months and pay a $450 annual fee. Check out our review of the Citi AAdvantage Executive.

Bottom Line

The American Airlines AAdvantage MileUp℠ Card is a great choice for folks who want an easy and inexpensive way to earn American Airlines miles. This card has no annual fee and earns 2 American Airlines miles per dollar on eligible American Airlines purchases, 2 American Airlines miles per dollar on groceries, and 1 American Airlines mile per dollar on all other purchases, with no limit.

And it currently offers a bonus of 10,000 American Airlines miles, plus a $50 statement credit after you spend $500 on purchases within the first three months of account opening. You’re eligible for the MileUp card even if you already have other Citi American Airlines cards.

For a no-annual-fee card, the Citi AAdvantage MileUp card offers a generous intro bonus in exchange for a very low spending requirement. There are alternative Citi cards with larger sign-up bonuses but be prepared for annual fees and higher spending requirements.

If you’re interested in carrying a simple American Airlines mile-earning card with no annual fee, the American Airlines AAdvantage MileUp℠ Card is a good one to consider, especially if you’ve already earned the welcome bonus on other, more valuable Citi American Airlines cards.

You can apply for the American Airlines AAdvantage MileUp℠ Card here. And subscribe to our newsletter for more credit card reviews like this! You’ll be a miles and points pro in no time.

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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I see a note that we wont’ earn bonus miles when we shop at Walmart! I call Citi they said we earn when we shop at Walmart. There is no problem.

Can you transfer the points from the Mile Up card to another Citi AA card ?

Hi David – the miles you earn with the card will automatically accumulate in your American Airlines frequent flyer account. So there’s no need to transfer to another card.

So I can get the sign up bonus on this card 10,000 and then get another AA card with that sign up bonus and they will all accumulate on my frequent flyer account ? So i’d use the MileUp for 2pt groceries and the other cards for 2pt gas and restaurants.

That’s right!

The new MileUp card looks like a winner.

I like AA because theyake doing business easy.

AA MileUp Card as its easy to earn points that can then be used on lots of international flights! Grocery bonus helps build them quickly!

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