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Guide to American Airlines Travel Insurance

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Travel insurance can be one of the most confusing parts of booking a trip. Since many credit cards already include travel insurance, the question of whether to buy airline insurance can make sense.

Why would you pay twice for the same benefits? But, that’s the thing: Not every type of credit card covers the same travel insurance perks.

You’ll want to check if the card you use to book a flight covers a cancellation , lost baggage or an abrupt change to your travel plans — perhaps due to a medical emergency. Being prepared can save you a lot of money in the long run.

This is especially true if you cannot take a trip, which would mean forfeiting the money you spent on nonrefundable flights and hotels.

If you want maximum protection, consider your credit card insurance with an airline’s policy like from American Airlines travel insurance.

Understanding the American Airlines insurance policies can protect you on your next trip with the carrier.

American Airlines trip insurance plans

American has plans for international and domestic trips you book with the carrier, and the services are administered by Allianz Global Assistance . You’ll see the offer when completing a flight reservation on the website.

When you qualify, the policy can refund part of an itinerary or the entire purchase based on any travel costs or emergency medical expenses in case of a disruption or delay. The promotional offer you receive when booking a ticket is based on the cost of your flight. It is valid for that trip only, unlike annual or multi-trip plans that you would buy from Allianz directly.

Often, you won’t see the trip insurance policy on your American reservation, as it's sold by a third party. But keep a record of the policy information.

» Learn more: What to know before buying travel insurance

What does American Airlines travel insurance cover?

When you buy American Airlines travel insurance, you will be eligible for coverage for various travel issues like delayed or lost bags, medical expenses during the trip or if you have to cancel the trip altogether.

Some features of travel insurance can vary depending on where you live, so be sure to read the fine print.

This is what the flight insurance from American Airlines covers:

Trip cancellation and trip interruption costs. If you paid for any nonrefundable expenses and have to cancel or change your trip due to reasons like illness or injury, you’ll receive a refund for those costs. This can be especially valuable for bucket-list trips like cruise or safari vacations where you spend a lot of money. Each U.S. state sets a limit for the refund amount, so be sure to review those details.

Emergency medical transportation. If you need to be airlifted or driven a long distance to the nearest appropriate hospital or urgent care center, this would be covered by insurance. This can be pretty expensive in some remote locations, and insurance can cover the cost of a helicopter airlift if needed. The American travel insurance benefit for emergency medical transportation is as much as $50,000.

Emergency medical and dental protection. While at the hospital or urgent care facility, you may need immediate care. American Airlines trip insurance would cover up to $10,000 in medical and dental expenses for an eligible occurrence. 

Travel delay. This is a valuable benefit, one covered by many credit cards. If you encounter a trip delay of at least six consecutive hours, this insurance will provide meal and accommodation reimbursements. The maximum coverage limits vary by U.S. state. Airlines have their own policies in these situations, and if traveling from the European Union or on an E.U.-based carrier to Europe, you may also be covered for additional compensation. 

Lost or damaged baggage. If your baggage is lost, damaged or stolen, American Airlines travel insurance reimburses you up to $500 for your personal items.

Baggage delay. This protection covers the contents of your bag if your baggage was delayed for more than 24 hours. You’ll want to keep eligible receipts of your purchase to submit a reimbursement claim, typically up to $100 per person.

24-hour assistance. This policy would provide you with direct access to someone who can assist you with any travel-related emergencies.

Rental car collision and damage. You would be eligible for primary coverage without a deductible.

» Learn more: Best credit cards for travel insurance benefits

What isn't covered by American Airlines travel insurance?

Remember that airlines like American receive a percentage of the sale of travel insurance, so they are eager to promote it. But not all circumstances are covered. This means it is important to review the exclusions.

These are some of the situations that wouldn't be eligible for reimbursement or assistance.

Losses due to government restrictions, travel advisories or warnings (For example: If the U.S. government issues a warning not to travel somewhere).

Losses due to known, foreseeable and expected events (like a hurricane where advance warnings are available).

Epidemics, natural disasters, pollution leading to flight disruption and war.

Preexisting medical conditions.

Pregnancy, fertility treatment and childbirth.

Health issues related to alcohol or drug use.

Injury during professional or amateur sports training.

» Learn more: Airline travel insurance vs. independent travel insurance: Which is right for you?

American Airlines international travel insurance cost

The cost will vary depending on where you are going, often based on the total nonrefundable trip cost and the state where you reside.

To get a more detailed idea of an American Airlines travel insurance plan, an online form calculates your trip details to give an approximate cost. After purchasing it, you have 15 days to change your mind and request a refund as long as your trip hasn't started or you haven't filed a claim.

» Learn more: The best travel insurance companies

This travel protection plan offers insurance for just one trip itinerary unless you buy an annual plan. A single trip insurance plan otherwise does not cover additional trips or mishaps that happen before or after your flight journey. It comes with protections for lost bags or emergency medical assistance, which can be helpful — especially if you don’t use a credit card to pay for the trip that has its own insurance protections. Other benefits can include trip interruption or cancellation, emergency dental care, rental car insurance and baggage delay.

You can pay for this when you purchase a flight on American’s website or any time after you buy a ticket on the Allianz website.

American travel insurance plans come underwritten by Jefferson Insurance Company or BCS Insurance Company. They use AGA Service Company as the licensed producer. These plans are recommended and sold by Allianz Global Assistance, not American Airlines.

Yes, if canceled within 15 days of purchase and your trip has not begun. If you have filed a claim, then you would not be able to cancel.

You can pay for this when you purchase a flight on American’s website or

any time after you buy a ticket

on the Allianz website.

Is American Airlines travel insurance worth it?

This will come down to your own personal risk tolerance, but with so many exclusions on the list, it may not be. That’s because you are already protected by your credit card in many instances.

If you use a card like The Platinum Card® from American Express or the Chase Sapphire Reserve® to pay for your trip, you may end up paying again on certain benefits when buying flight insurance from American.

Be sure to compare the benefits, as the amount of lost baggage or emergency medical coverage can be different for each credit card or airline.

» Learn more: The best travel credit cards right now

Buying a nonrefundable flight ticket may be one of the top reasons to consider this flight insurance, but make sure that the exclusions don’t apply to you. Also, you will want to consider your finances if you are required to cover the cost of lost bags or flights.

If not, the small added cost of insurance could be decent protection in the long run if something were to go wrong during the journey.

(Top photo courtesy of American Airlines)

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

on Citibank's application

1x Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.

70,000 Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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AAdvantage ® Aviator ® Red World Elite Mastercard ®

Earn 50,000 AAdvantage ® bonus miles 2

First checked bag free 2, enjoy preferred boarding 2.

annual fee 1

Rewards & Benefits

Earn 50,000 aadvantage ® bonus miles.

after making your first purchase and paying the $99 annual fee in full, both within the first 90 days. 2

Earn 1X AAdvantage ®  miles

for every $1 spent on all other purchases. 2

Anniversary Companion Certificate

Each anniversary year: earn a Companion Certificate good for 1 guest at $99 (plus taxes and fees) if you spend $20,000 on purchases and your account remains open for 45 days after your anniversary date. 2

First checked bag free

on domestic American Airlines itineraries for the primary cardmember and up to 4 companions traveling with you on the same reservation. 2

No foreign transaction fees

on international purchases. 1

Travel Coverage

Eligible for Travel Accident Insurance, Trip Cancellation and Interruption coverage, Baggage Delay Insurance, and Auto Rental Collision Damage Waiver. 3

Introductory APR on balance transfers

0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24% to 29.99%, based on your creditworthiness and other factors. There is a fee for balance transfers. 1

Earn 2X AAdvantage ® miles

for every $1 spent on eligible American Airlines purchases. 2

Get up to $25 back as statement credits on inflight Wi-Fi purchases

every anniversary year on American Airlines operated flights. 2

Inflight savings

Receive 25% inflight savings as statement credits on food and beverages when you use your card on American Airlines operated flights. 2

Preferred boarding

for the primary cardmember and up to 4 companions on their reservation for all American Airlines operated flights. 2

Travel and Lifestyle Services

Access a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies. 3

$0 Fraud Liability protection

means you're not responsible for charges you did not authorize.

AAdvantage ® Benefits

Aadvantage ® benefit.

The new AAdvantage ® program now has only one way to earn status — Loyalty Points. Earning one eligible AAdvantage ® mile will earn you one Loyalty Point. Learn more at aa.com/loyaltypoints 4

Hotels, cars and more 

Redeem your miles for hotel stays, rental cars, vacation packages and other retail products. 4

Earn miles faster with SimplyMiles ™

Join and earn miles faster on purchases by activating offers and shopping your favorite brands in store and online. 4

Earn more miles eShopping

Sign up and shop at 950+ online stores and earn miles on every dollar you spend in addition to those earned with your credit card. 4

Earn miles with AAdvantage Dining SM

Join and earn miles faster on purchases when you dine at local restaurants. 4

Interest Rates and Charges Summary

Fee summary.

See Terms and Conditions for a complete listing of rates and fees

Important Information

Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. Other offers may be available. For complete pricing and other details, please see the Terms and Conditions .

This offer is valid for approved applicants. Any bonus associated with this offer may only be earned once. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the  Terms and Conditions  for important information.

Annual fee is $99. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 21.24% to 29.99%, depending upon our review of your application, your credit history at account opening, and other factors. The variable APR for cash advances is 29.99%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. The minimum monthly interest charge will be $0.50. Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee 0%. See  Terms and Conditions  for updated and more information about the terms of this offer, including the "About the Variable APRs on Your Account" section for the current Prime Rate information.

Conditions and limitations apply. Please refer to the Introductory Bonus Offer section within the Terms and Conditions for additional information about this introductory offer. Please refer to the Reward Rules within the Terms and Conditions for additional information about the rewards program. Select offers/benefits may not be achievable based on the assigned credit line and ability to maintain that credit line.

Restrictions, limitations and exclusions apply. Upon account approval, we will send you a Guide to Benefits which includes a full explanation of coverages and details regarding specific time limits, eligibility and documentation requirements.

Benefit provided by American Airlines. Conditions and limitations apply. Visit aa.com/loyaltypoints  for complete details.

The AAdvantage ®  Aviator ®  Red World Elite Mastercard ® is issued by Barclays Bank Delaware pursuant to a license by Mastercard International Incorporated. Mastercard, World Mastercard, World Elite Mastercard, and the circles design are registered trademarks of Mastercard International Incorporated.

American Airlines reserves the right to change the AAdvantage ®  program and its terms and conditions at any time without notice, and to end the AAdvantage ® program with six months' notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage ®  miles earned through this promotion/offer do not count toward elite-status qualification or AAdvantage ®  Million Miler SM status. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage ® program, visit aa.com/aadvantage .

© 2024 Barclays Bank Delaware, PO Box 8801, Wilmington, DE 19801, Member FDIC.

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Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology .

• Credit Cards ›
• Citi Aadvantage Executive World Elite Mastercard

21 Benefits of the Citi AAdvantage Executive World Elite Credit Card

Christine Krzyszton

Senior Finance Contributor

306 Published Articles

Countries Visited: 98 U.S. States Visited: 45

Senior Editor & Content Contributor

90 Published Articles 664 Edited Articles

Countries Visited: 41 U.S. States Visited: 28

1. Welcome Bonus Miles

The value of complimentary lounge access, 3. global entry or tsa precheck credit, 4. get closer to aadvantage elite status, 5. flight benefits, 6. savings on inflight purchases, 7. earn 4x to 5x miles on american airlines purchases, 8. earn miles on every purchase, 9. redeem miles on partner airlines, 10. add authorized users, 11. no foreign transaction fees, 12. concierge services, 13. citi private pass, 14. save on grubhub purchases, 15. earn lyft credits, 16. earn avis and budget car rental credits, 17. travel protections, 18. purchase protection, 19. extended warranty, 20. world elite mastercard benefits, 21. citi banking relationship annual credit, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

If you’re an American Airlines loyalist and fly frequently on the airline, you’ve probably given thought to securing an American Airlines AAdvantage credit card. Having an AAdvantage branded credit card allows you to earn AAdvantage miles quickly, receive flight benefits, and save money on inflight purchases.

However, some AAdvantage-branded credit cards come with more benefits than others. For example, if having airport lounge access is important to you, there is only 1 AAdvantage credit card that delivers this valuable benefit complimentary.

The Citi ® /AAdvantage ® Executive World Elite Mastercard ®   comes with all the expected priority flight benefits, inflight savings, and accelerated earnings on American Airlines purchases. It also offers an extraordinary Admirals Club lounge access benefit that extends to your traveling companions and authorized users. The AAdvantage Executive World Elite card can also help you reach elite status.

In this article, you’ll find a deep dive into all the benefits that come with the card and see if the card delivers the value proposition you’re looking for as a frequent American Airlines flyer.

You can count on thousands of AAdvantage frequent flyer bonus miles when you are approved for the AAdvantage Executive World Elite card and complete the initial spending requirements in the first 3 months after card approval.

Citi ® / AAdvantage ® Executive World Elite Mastercard ®

Access to Admirals Clubs, tons of added benefits, and a way to spend towards elite status make this a great option for American Airlines loyalists.

The Citi ® /AAdvantage ® Executive World Elite Mastercard ® is a go-to card thanks to its exclusive perks and benefits for people who love to fly American Airlines. With a complimentary Admirals Club membership, free checked bags, inflight discounts, and the ability to earn Loyalty Points for every $1 you spend, there is plenty to love about the card.

• Earn 70,000 American Airlines AAdvantage ® bonus miles after spending $7,000 within the first 3 months of account opening
• Earn 10 miles per $1 spent on eligible car rentals booked through aa.com/cars
• Earn 10 miles per $1 spent on eligible hotels booked through aa.com/hotels
• Earn 4 miles per $1 spent on eligible American Airlines purchases
• After you spend $150,000 in purchases in a calendar year, earn a total of 5 miles per $1 spent on eligible American Airlines purchases for the remainder of the year
• Earn 1 per $1 spent on other purchases
• Admirals Club ® membership for you and access for up to two guests or immediate family members traveling with you
• No Foreign Transaction Fees on purchases
• Earn a 10,000 Loyalty Point bonus after reaching 50,000 Loyalty Points in a status qualification year. Earn another 10,000 Loyalty Point bonus after reaching 90,000 Loyalty Points in the same status qualification year
• Earn 1 Loyalty Point for every 1 eligible AAdvantage ® mile earned from purchases
• First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
• $595 annual fee
• Doesn’t earn many miles on all other eligible purchases
• Earn 70,000 American Airlines AAdvantage ® bonus miles after spending $7,000 within the first 3 months of account opening.

Financial Snapshot

• APR: 21.24% - 29.99% Variable
• Foreign Transaction Fees:

Card Categories

• Credit Card Reviews
• Airline Credit Cards

Rewards Center

American Airlines AAdvantage Frequent Flyer Program

• Benefits of the Citi AAdvantage Executive World Elite Card
• Best American Airlines AAdvantage Credit Cards
• Best Citi Credit Cards
• Best Credit Cards for Airport Lounge Access
• Best Credit Cards for American Airlines Flyers
• How To Get American Airlines Elite Status (And Is It Worth It?)

Do note that the welcome bonus miles are not offered to consumers who have received a new account bonus for an AAdvantage Executive World Elite card in the past 48 months.

2. Admirals Club Membership

Depending on your level of American Airlines AAdvantage elite status and the type of lounge membership you select, the cost of an annual Admirals Club membership can vary greatly.

If you are currently paying for an annual Admirals Club membership, securing the AAdvantage Executive World Elite card can make economic sense.

Since complimentary Admirals Club access comes with the card, you could potentially save hundreds of dollars by having the card versus purchasing an Admirals Club membership. The card charges an annual fee of $595 .

Plus, with the AAdvantage Executive World Elite card, you can bring in 2 guests or your entire immediate family. Additionally, authorized users ($175 per year) receive the same Admirals Club lounge privileges, including access for their guests.

With nearly 50 Admirals Clubs and more than 60 affiliated partner lounges worldwide, having complimentary access is a huge benefit. Find out more about Admirals Clubs and the amenities they offer in our complete guide.

Receive up to $100 reimbursement, as a statement credit, when paying your Global Entry or TSA PreCheck application fee with your card. You will be eligible for the credit once every 4 years.

When you use this credit card, you’ll earn 1 Loyalty Point for every dollar you spend. Plus, you can earn Loyalty Point bonuses.

When you reach 50,000 Loyalty Points in a qualification year, you’ll earn a 10,000 Loyalty Point bonus . You’ll receive another 10,000 Loyalty Point bonus after reaching 90,000 Loyalty Points in the same qualification year. These bonuses are Loyalty Points only and don’t include redeemable miles.

For the qualification year ending February 29, 2024, the 10,000 Loyalty Point bonus can be earned by spending $40,000 on purchases or reaching 50,000 Loyalty Points. For the qualification year beginning March 1, 2024, the Loyalty Point boosts can only be achieved by reaching 50,000 and 90,000 Loyalty Points. There is a limit of 20,000 Loyalty Points per member that can be earned through these bonuses.

• Free Checked Bag — Free checked bag for the cardholder and up to 8 travel companions on the same domestic American Airlines, and subsidiaries, reservation. With a checked bag costing $25 one-way, this benefit is a real money saver.
• Priority Boarding —  Early boarding (group 4) ensures space for your bags and a chance to get settled on board ahead of the crowd. You and up to 8 traveling companions can enjoy the priority boarding privileges that come with the card.
• Priority Check-In — Avoid the crowds when checking in for your flight when you use the business or first class priority check-in lane , regardless of the class you are flying on American. You and up to 8 additional travelers, on the same reservation, can use the priority check-in lane.
• Priority Airport Screening — Receive priority TSA screening, where available, for yourself and up to 8 companions on the same reservation when traveling on American Airlines-operated flights.

Use your AAdvantage Executive World Elite credit card to purchase inflight food and beverage on American domestic flights and receive a 25% statement credit on your purchase. The discount is unlimited.

Use your card for purchases on American Airlines and receive 4x miles for every dollar spent.

After spending $150,000 on purchases in a calendar year, you’ll earn 5x miles per dollar spent on American Airlines purchases for the remaining calendar year.

Earn 10x miles per dollar spent on qualifying car rentals booked through aa.com/cars and 10 miles per dollar spent on qualifying hotel bookings through aa.com/hotels. All other purchases you make with your card earn 1 mile per dollar spent.

The AAdvantage miles you earn on your AAdvantage Executive World Elite card can be redeemed for flights on American Airlines but also on a large network of Oneworld Alliance and partner airlines such as British Airways, Cathay Pacific, Iberia, Japan Airlines, and more.

You can add authorized users  to your AAdvantage Executive World Elite card for a cost of $175 per year. Authorized users enjoy access to Admirals Club lounges including the ability to bring 2 guests or immediate family.

Take your card with you when you travel the world as there are no transaction fees charged on foreign purchases.

Enjoy the services of a dedicated concierge to assist you with travel plans, shopping, entertainment, or dining arrangements.

Given that the card is issued by Citi, cardholders receive special access to a wide variety of dining and entertainment events such as concerts, sporting events, and theater tickets. Cardholders also receive invitations for unique experiences and exclusive offers.

Get a monthly statement credit of $10 for Grubhub purchases, for a total of up to $120 in statement credits per 12 billing statements.

After taking 3 eligible Lyft rides in a calendar month, and paying in full or partially using your AAdvantage Executive World Elite card, you’ll get a $10 Lyft credit. There’s a maximum of $120 in credits that can be earned each year.

Cardholders will receive a $1 statement credit for every $1 spent on eligible Avis or Budget car rentals, up to $120 each year. Read our guide on how to use the $120 Avis/Budget credit to find out more.

The rentals must be paid for using the AAdvantage Executive World Elite card and must be booked directly through Avis or Budget. Rentals booked through third-party websites do not qualify for the credit. The statement credit can take 8 to 10 weeks to be applied to your account.

The AAdvantage Executive World Elite card comes with travel protections including:

• Trip cancelation and interruption protection
• Trip delay protection
• Lost baggage protection
• Car rental Insurance

Purchase a covered item with your AAdvantage Executive World Elite card and receive theft and damage coverage for 120 days (90 days for New York residents) from the date of purchase. You’re covered for up to $10,000 per item, totaling no more than $50,000 per calendar year.

Hot Tip: If this coverage is an important requirement for you, there are many credit cards that offer purchase protection .

Pay for an eligible item in whole or in part with your AAdvantage Executive World Elite card and have a maximum of 24 months added to the manufacturer’s warranty. Coverage is limited to the amount charged on your card or $10,000, whichever is less.

World Elite Mastercard benefits are many but often overlooked. Here’s a summary of the extra benefits you can expect from the World Elite Mastercard program:

• Benefits with partners such as Lyft , DoorDash , and ShopRunner
• Complimentary room upgrades, breakfast, and other amenities at over 2,000 luxury hotels
• Hotel lowest rate guarantee
• 24/7 travel assistance
• Car rental savings and elite status
• Savings on vacations, private jets, hotels, cruises, and more

The last perk is a unique benefit available only to qualified Citigold banking clients, and it entitles you to a $145 statement credit each cardmember year as long as you remain a cardmember and are billed the $595 annual fee.

The biggest benefit of having the AAdvantage Executive World Elite card is receiving complimentary lounge access to the Admirals Club and affiliated lounges. An annual household membership to the Admirals Club alone can cost as much as $1,650.

Because complimentary lounge access allows 2 guests or immediate family to enter with the cardholder, this access benefit can be effectively the same as having a household membership, especially since you can add a family member as an authorized user and your entire traveling party, related or not, can have access ($175 each per year).

If lounge access isn’t important to you, but you still frequent American Airlines, the Citi ® / AAdvantage ® Platinum Select ® World Elite™ Mastercard ® with its annual fee of $99, waived for first 12 months , might be a good alternative selection for an AAdvantage-branded credit card.

Or if you fly a lot of different airlines, find value in earning rewards, and enjoy receiving additional travel benefits, a general travel rewards credit card could be a viable consideration.

The information regarding the Citi ® / AAdvantage ® Platinum Select ® World Elite™ Mastercard ® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Is the citi aadvantage executive world elite card worth it.

If you are currently paying for an annual Admirals Club membership, you could potentially save hundreds of dollars just by having the AAdvantage Executive World Elite card.

An individual Admirals Club membership alone can cost more than $650 and the card charges an annual fee of just $595 .

If lounge access is not important to you, you may be better off with another AAdvantage branded card with a lower annual fee or a general travel rewards credit card.

How does Admirals Club lounge access work?

The AAdvantage Executive World Elite card comes with complimentary access to Admirals Club and network lounges worldwide for the cardholder and 2 guests or their immediate family.

For example, if the cardholder is traveling with their spouse and 2 teenage children, which is a total of 3 guests, they would all be allowed to enter because they are all immediate family.

Authorized users on the card also receive complimentary Admirals Club lounge access and can bring in 2 additional guests or their immediate family. It costs $175 to add an authorized user to your card.

Do authorized users receive a free checked bag?

No, authorized users on the card do not receive flight benefits such as a free checked bag or priority boarding.

Can I transfer American Airline AAdvantage miles to other airlines?

No, you cannot transfer AAdvantage miles to other airlines, but you can use your miles to book award flights with a large network of partner airlines.

You can also redeem miles for an Admirals Club membership, car rentals, vacations, hotels, gift cards, magazines, or donate your miles to charity.

Will my miles expire if I cancel the card?

Miles will not expire if you cancel your AAdvantage credit card as long as the miles you have earned have been transferred to your AAdvantage frequent flyer account.

Each statement period when miles are earned, they are transferred into your AAdvantage frequent flyer account when the monthly statement closes. If you are going to cancel your card, be sure all of the miles you’ve earned have been transferred into your AAdvantage account first before canceling your card.

Any miles not transferred into your AAdvantage account could be lost.

Once miles have been deposited into your AAdvantage account (from your credit card), they are subject to the AAdvantage program rules which state that miles do not expire as long as there is current activity.

If your account goes 24 months without activity, your miles will expire.

Current activity is defined as earning or redeeming miles. Once you have a qualifying activity, the 24-month period starts over and your miles are safe for another 24 months.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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5 lesser-known benefits of the Citi AAdvantage Platinum Select Mastercard

Update: Some offers mentioned below are no longer available. View the current offers here .

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For American Airlines flyers, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is one of the best card options out there . It provides benefits that can make traveling with American Airlines better -- even if you're flying in basic economy . It's also a useful credit card for travelers that don't fly on American much, since it has lots of valuable airline partners you can redeem miles with . There are plenty of reasons to add this card to your wallet, including the card's current sign-up bonus of 50,000 American AAdvantage miles after spending $2,500 in the first 3 months of account opening. The information for the Citi AAdvantage Platinum card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Aside from the sign-up bonus and benefits directly related to flying on American Airlines, the card features some perks that aren't as widely advertised. Citi recently removed travel and shopping protections on most credit cards, though the Citi / AAdvantage Platinum Select Card retains a few important benefits. Here are five lesser-known benefits of the Citi / AAdvantage Platinum Select Card.

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1. Damage & Theft Purchase Protection

If you make a purchase with your Citi / AAdvantage Platinum Select World Elite Mastercard, it's covered against damage and theft within 90 days of purchase or delivery, whichever comes first. Citi will repair the item or reimburse the cost. The card covers up to $10,000 per incident and up to $50,000 per year, per card account.

You must have purchased the item at least in part with your AAdvantage Platinum Select Card in order for it to be eligible for the card's coverage. If you didn't pay for the item completely with your Citi Card, the card's protection will only cover up to the cost that was charged to the card.

This coverage is secondary, meaning if you have other coverage, you'll need to file a claim with your insurance first. Coverage doesn't apply if the item wasn't reasonably cared for to prevent the damage or theft; the item is used in a way that goes against the manufacturer's instructions or warnings, or is altered from its designed purpose; the item is damaged because of a product defect or experiences normal wear and tear where no failure has occurred; the item is damaged because of an act of God; or the item was under the care and control of a third-party.

Purchases that aren't eligible for this coverage include but are not limited to boats, cars, aircraft or any other motorized land, air or water vehicles and their original equipment; products that can spoil or be consumed; currency, cash, gift cards or traveler's checks; tickets of any kind; items purchased for resale, professional or commercial use; advice or services for a purchased item; watches or jewelry; and fire arms or ammunition.

To file a claim, call 1-866-918-4670 or visit www.cardbenefits.citi.com as soon as possible after the incident. You'll need to return all requested documents within 180 days of the date of the incident. You may be asked to provide the damaged item for inspection. For stolen items, you'll need to provide a police report.

2. ShopRunner

If you shop anywhere outside of Amazon , you know how tough it can be to find free two-day shipping. Unless you're spending at least $50, you'll most likely be on the hook for shipping fees. With ShopRunner membership courtesy of your Citi / AAdvantage Platinum Select World Elite Mastercard, you'll receive free two-day shipping and returns at over 100 retailers.

Normally, ShopRunner membership will set you back $79 per year. Membership is free for those with an American Express credit card , PayPal or Yahoo account. Or you login to your Citi account, head to the card benefits section and claim your free ShopRunner account.

Related Reading: The Beginners Guide to Airline Shopping Portals

3. Offers For You

As a Citi / AAdvantage Platinum Select World Elite Mastercard accountholder, you qualify for a suite of personalized from Citi. Under the Offers section in your account, you'll periodically find things like introductory purchase APR offers, travel deals, bonus points for opening qualifying checking accounts and spending in certain categories.

4. Citi Entertainment

The Citi / AAdvantage Platinum Select World Elite Mastercard gets you access to Citi Entertainment, where you can book presale and preferred tickets to your favorite concerts, sporting events, theatre shows and dining experiences. Examples of recent offers include preferred tickets to Brad Paisley concerts, presale tickets to Lady Gaga's Chromatic Ball, a Jerry Seinfeld show and more.

Citi is even offering discounts on dining experiences. Every Wednesday, cardholders who use Apple Pay receive 20% off at Urban Space 570 Lex in New York. There are also other discounts and freebies at various other merchants, not to mention Citi / AAdvantage Platinum Select World Elite Mastercard earns 2X miles at restaurants.

Be sure to login to your Citi account to find out how Citi Entertainment can help you save on your next dining or entertainment experience.

Related Reading: The Best Credit Cards for Entertainment Spending

5. Extended Warranty

The Citi / AAdvantage Platinum Select World Elite Mastercard's warranty coverage will extend the manufacturer's warranty on an item for an additional 24 months. If an eligible item breaks, Citi will repair, replace or reimburse you up to the amount charged on your card. The maximum coverage per item is $10,000.

Keep in mind that total coverage won't exceed seven years from the purchase date. Also note that Citi will only extend the warranty on an item paid at least in part with your Citi / AAdvantage Platinum Select World Elite Mastercard. If you only pay for part of the item with your card, Citi will only reimburse you for up to the amount charged.

Coverage doesn't apply to some items, including boats, cars, aircraft or any other motorized land, air or water vehicles and their original equipment; tires; services unless covered under the manufacturer's warranty; used, antique or pre-owned items; items purchased for resale, professional or commercial use; land or buildings; housing properties; plants and live animals; and items that don't come with a manufacturer's warranty.

Additionally, damage that occurs under some circumstances isn't covered. These circumstances include but aren't limited to when you fail to care for or service the item appropriately as required by the manufacturer; the item has a product defect, recall or experiences normal wear and tear where no failure has occurred; or the item is damaged because of an act of God, such as a flood, hurricane, lightning, wind or earthquake.

To file a claim, call 1-866-918-4670 as soon as possible after the incident and return all requested documents within 180 days of the incident.

Bottom Line

As shown in this article, the benefits of the Citi / AAdvantage Platinum Select World Elite Mastercard aren't limited to travel on American Airlines. Indeed, the card continues to offer valuable purchase and shopping benefits, despite the recent cut-back. The ShopRunner benefit alone can take a substantial chunk out of the card's $99 annual fee.

Additional reporting by Ariana Arghandewal

Featured photo by The Points Guy

Best American Airlines credit cards of 2024

I t's easy to spot an American Airlines jet on the tarmac thanks to the distinctive red, white, and blue coloring—what can be a little harder is selecting the best American Airlines credit card for your travel needs, due to the variety of options on the market. Citi and Barclays both issue co-branded American cards, and Wells Fargo issues a flexible travel card that earns points you can transfer to the airline’s AAdvantage loyalty program. 

We’ll help you choose the best American Airlines card based on factors such as whether you’re willing to pay an annual fee, whether you need Admirals Club airport lounge access, and whether you need the flexibility to use your rewards with other airlines.

Best American Airlines Credit Cards

• Best for frequent American Airlines flyers: Citi® / AAdvantage® Platinum Select® World Elite Mastercard® | Learn more
• Best for no annual fee: American Airlines AAdvantage® MileUp® Mastercard® | Learn more
• Best for luxury perks: Citi® / AAdvantage® Executive World Elite Mastercard® | Learn more
• Best for renters: Bilt Mastercard | Learn more

Best for casual American Airlines flyers: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

With a reasonable annual fee and valuable perks such as a free checked bag, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a strong choice for frequent American Airlines travelers.

Why we like this card: If you fly on American several times a year, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® could be a great fit. With an annual fee of $0 intro for the first year, then ($99 thereafter) and a generous welcome bonus offer that can help you rack up AAdvantage miles, the card offers incredible value, especially in the first year of card ownership. 

Plus, there are several airline-specific benefits on the AAdvantage Platinum Select card that can make your travels easier. These include a 25% discount on in-flight food and beverage purchases, priority boarding, and the star perk for most travelers—your first checked bag free on select American flights for the primary cardholder and up to four travel companions.

First checked baggage fees for domestic flights range from $35 to $40 per bag. Thus, this benefit alone could save significant money if you frequently travel with family or other people.

The card also offers a $125 American Airlines flight discount after $20,000 in purchases within a year and after the card is renewed. 

Check out our full review of the Citi AAdvantage Platinum Card . 

Best for no annual fee: American Airlines AAdvantage® MileUp® Mastercard®

Maybe you fly American Airlines once in a while, and would like a card that earns miles and keeps the miles in your count from expiring, but you don’t want to pay an annual fee. In that case, the American Airlines AAdvantage® MileUp® Mastercard® is your best (really your only) option.

Why we like this card: The American Airlines AAdvantage MileUp Card is the airline's entry-level card, which means it has fewer benefits than the AAdvantage Platinum card. However, one way to prevent AAdvantage miles from expiring after 24 months is to be the primary cardholder on an American Airlines credit card. And, the MileUp card charges no annual fee, making it your best choice if you only rarely fly on American. 

The MileUp card comes with a so-so bonus offer but only requires $500 spending in the first three months to earn it, so it should be attainable for most cardholders. You’ll also receive a 25% discount on in-flight food and beverage purchases when you use your card to pay and will earn miles at OK bonus rates on American Airlines purchases and at the grocery store.

Unfortunately for an airline credit card, the MileUp card does charge a 3% of the U.S. dollar amount of each transaction., so it’s not what we recommend keeping in your wallet if flying internationally. 

In short, this is a bare-bones card, with rewards you probably won’t be moved to write home about and few benefits. But if you want to earn rewards redeemable for American Airlines flights and not have to worry about the miles in your account expiring, the MileUp card is a serviceable choice—particularly if you don’t usually need to check a bag and you mostly fly domestically.

Best for luxury perks: Citi® / AAdvantage® Executive World Elite Mastercard®

Access luxury benefits, including entry to Admirals Club lounges, with the Citi® / AAdvantage® Executive World Elite Mastercard®.

Why we like this card: The Citi / AAdvantage Executive World Elite Mastercard is for loyal American Airlines customers who want the very best benefits and perks offered by the airline and aren't afraid to pay for them. The card comes with a massive $595 annual fee but can offer enough value in the right hands to offset the cost. 

Cardholders receive an annual membership to Admirals Club, the airline's airport lounge network. The membership is worth up to $850 and also provides lounge access for select family members or guests traveling with you. 

The Citi / AAdvantage Executive card also offers a huge welcome bonus and an incredibly high earning rate on American Airlines purchases. Plus, you can earn an even higher rate after spending $150,000 in a calendar year. You’ll also enjoy a first checked bag free on domestic American flights for you and up to eight companions traveling on the same reservation. 

In addition, the card provides priority check-in (where available) and boarding, priority screening at select airports, a credit to reimburse the application fee for Global Entry or TSA PreCheck, credits for Grubhub purchases, Lyft rides, and Avis and Budget car rentals, a 25% discount on in-flight purchases of food and beverages, and a dedicated concierge to assist with travel, shopping, dining and more.

Travelers will also appreciate an array of insurance benefits: trip delay protection, trip cancellation and interruption protection, worldwide car rental insurance and lost baggage protection.

Check out our full review of the Citi® / AAdvantage® Executive World Elite Mastercard® .

Best for renters: Bilt Rewards Mastercard

The Bilt Mastercard earns rewards on rent payments, travel, and dining. These points can be transferred to numerous airline and hotel loyalty programs, including American Airlines AAdvantage. If you’re a traveler who prioritizes flexibility over perks on one specific airline, the Bilt card might be right for you.

Why we like this card: The Bilt Rewards Mastercard is becoming a favorite of renters everywhere. The card offers something rare—the ability to earn rewards on rent payments while avoiding the convenience fee typically charged for paying rent by credit card.

Cardholders earn 3X on dining, 2X on travel booked directly or in the Bilt portal, 1X on rent (up to 100,000 points per year) and 1X on other purchases. You must use the card five or more times per statement period to earn points. 

Bilt offers a myriad of redemption options, including more than a dozen airline and hotel transfer partners—the American Airlines Advantage program among them. At the time of writing, Bilt is one of the main flexible credit card rewards programs allowing points transfers to American. Points transfer 1:1 to all partners. (Marriott Bonvoy is another program where points can be transferred to American, but at a 3:1 rate.) 

The Bilt card is great for international travel, too, with no foreign currency conversion fees. However, one downfall of this otherwise standout card is that it has no welcome bonus.

On the other hand, cardholders can earn double points (up to 10,000 points) on all non-rent spending the first of every month, dubbed Rent Day. This means 6X on dining, 4X on eligible travel and 2X on other purchases excluding rent.

The Bilt card also offers primary rental car insurance (except to New York State residents), trip cancellation and interruption protection, and trip delay reimbursement. These are surprisingly robust travel benefits for a no-annual-fee card.

How Do American Airline Credit Cards Work?

American Airlines credit cards earn rewards, called miles, on purchases with American Airlines and other eligible spending. These miles can be redeemed for award flights on American Airlines as well as eligible flights with Oneworld alliance airlines and partner airlines.

Beyond flights, you can redeem miles for cabin and seat upgrades, Admirals Club membership, to book rental cars, hotels and vacations, luxury and exclusive experiences or to make donations to partner charities. 

In addition to rewards earning, American Airlines cards offer a range of airline-specific perks, which can vary greatly depending on the card you have. For example, the AAdvantage Platinum Select card offers a first checked bag free, potentially saving you $35 to $40 every time you fly.

Types of American Airlines Credit Cards

American Airlines is one of few brands to have co-branded credit cards through multiple issuers. Both Citi and Barclays issue American Airlines credit cards. 

At the time of writing, the only Barclays-issued American Airlines card available to new applicants is the AAdvantage® Aviator® Red World Elite Mastercard®. (Though Barclays continues to service other previously issued American Airlines cards.)

Citi currently has three personal co-branded American Airlines cards and one business card available to new applicants. These cards are as follows:

• American Airlines AAdvantage® MileUp® Mastercard®
• Citi® / AAdvantage® Platinum Select® Mastercard®
• Citi® / AAdvantage® Executive Mastercard®
• CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

How to choose the best American Airlines credit card

When choosing an American Airlines card, consider your travel preferences and needs. Luckily, the airline offers several options to suit different types of travelers. American Airlines cards offer a range of benefits and annual fees—from a card with no annual fee to one that charges $595 per year just to carry. Determine whether you just need a card to earn a few AAdvantage miles, for perks like free checked bags and priority boarding, or luxury benefits like lounge access and travel-related credits. 

Should you get an American Airlines credit card? 

You should consider an American Airlines credit card if American is your preferred airline and offers flights to the travel destinations you frequent. For example, if you live in a city with a big American Airlines hub (think DFW in Dallas or CLT in Charlotte), a card that rewards you for flying American is probably a solid choice.

On the flipside, American Airlines doesn't fly everywhere, so it may not offer flights out of your home airport or to destinations you regularly visit. If that’s the case, you may get more utility out of a different airline credit card or flexible travel card . 

Frequently asked questions

Do american airlines credit cards come with free checked bags .

Most American Airlines co-branded credit cards that are currently available come with a free first checked bag on eligible domestic flights. The only one that does not come with a free checked bag is the American Airlines AAdvantage MileUp Card.

Do you get priority boarding with American Airlines credit cards?

Almost all American Airlines co-branded credit cards offer preferred boarding for cardholders. The one exception is the American Airlines AAdvantage MileUp Card.

How many American Airlines miles do you need for a free flight? 

The amount of miles needed to book award flights through American Airlines varies based on the date, destination and other factors. American Airlines award flights start at around 7,500 miles one way plus taxes and fees.  

Do AAdvantage miles expire?

Yes. Unless you take an action that extends the life of your miles, they expire after 24 months. However, qualifying activity (earning or redeeming miles on American or with a partner airline) extends the life of your miles 24 months from when you took that action. 

And, if you’re the primary cardholder on an American Airlines co-branded credit card account, you don’t have to worry about your miles expiring while the account is open and in good standing. 

What credit card rewards transfer to American Airlines?

You can transfer points earned with the Bilt Mastercard to American Airlines and receive AAdvantage miles in exchange. 

Several hotel loyalty programs with accompanying credit cards also allow you to transfer points to American Airlines AAdvantage program, including World of Hyatt, Marriott Bonvoy, IHG One Rewards, Wyndham Rewards and Drury Rewards. Conversion ratios vary between the programs so check to see how much your points are worth in American Airlines miles before you transfer them. 

However, popular credit card rewards programs including American Express Membership Rewards, Capital One Miles, and Chase Ultimate Rewards cannot transfer points directly to American Airlines. Instead, you’d have to look for a workaround involving a partner airline, such as transferring your Chase points to British Airways and using British Airways Executive Club to search for partner flights on American metal. 

This story was originally featured on Fortune.com

American Airlines changes its frequent flyer rules—again

Looking to achieve frequent-flyer status with American Airlines? Book direct.

The carrier has announced another round of changes to its loyalty program, saying passengers will only receive Loyalty Points and AAdvantage miles if they book directly with American, one of its partners, or a “preferred” travel agency. Flights booked elsewhere won’t earn miles.

The new rules go into effect in July.

At present, there’s no word on which agencies qualify as “preferred”—and it could be early June before that’s cleared up. The Wall Street Journal says that classification will depend “on whether they have adopted modern booking technology.”

“Booking with us provides a better travel experience,” the carrier argued in its announcement. “You can manage your trip online, receive travel credit for canceled trips and more. Plus, you’ll continue to earn miles and Loyalty Points through our non-airline partners and on eligible purchases with an AAdvantage credit card.”

Direct booking also lowers costs for the carrier.

For passengers who opt for basic economy fares, booking direct is the only way they’ll earn AAdvantage Miles or Loyalty Points. Preferred travel agency bookings will not be eligible.

American last announced a major overhaul of its frequent-flyer program in 2021, doing away with using how far or often someone flew to calculate status. That’s when Loyalty Points were introduced, which could be earned via travel or spending on branded credit cards.

Other airlines have followed its lead, with Delta announcing a big overhaul on its SkyMiles rewards program last year, which resulted in a bit of a rebellion among that company’s customers, forcing Delta to walk back some of its changes .

American noted that any existing reservations booked with third parties or non-preferred travel agencies will earn miles or Loyalty Points.

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Citi® / AAdvantage® Gold World Elite Mastercard®

Turn your everyday card purchases into experiences you’ll never forget

Earn miles and experience your next great adventure.

Citi®/ AAdvantage® Gold World Elite Mastercard®

Discover the amazing credit card benefits built for your next adventure:

As a Citi® / AAdvantage® member, you have access to special AAdvantage programs that offer even more ways to earn miles when using your Citi® / AAdvantage® credit card

Citi® / AAdvantage® credit cards now give you two great ways to earn with the AAdvantage® program:

Aadvantage® miles earn miles from purchases   what can miles do for you +, what can miles do for you ―.

• Seat upgrades
• Car rentals, hotels and vacations
• Admirals Club® access

Loyalty Points Earn 1 Loyalty Point for every 1 eligible mile earned from purchases   What can Loyalty Points do for you? +

What can loyalty points do for you ―.

• Premium cabin upgrades
• Complimentary access to Main Cabin Extra and Preferred Seats
• Same-day standby priority

More ways to earn and redeem your AAdvantage® miles

Book with american airlines cruises & earn 2x aadvantage® miles.

Eligible Citi® / AAdvantage® Mastercard® cardmembers earn a total of 2X AAdvantage® miles on cruises. Book with the guaranteed best price and receive all the same great deals the cruise lines offer.

Additional terms apply.

Enjoy the savings and the earnings with Avis and Budget

Save up to 35% off base rates on your car rental with Avis and Budget and earn 3X AAdvantage® miles from the AAdvantage® program.

Experience more with Loyalty Point Rewards

Loyalty Point Rewards allow you to access even more in the AAdvantage® program – before, between and beyond status tiers. Plus, you can choose the rewards that matter to you.

Choose from rewards like:

• Systemwide upgrades to fly in a higher class of service
• Gift of AAdvantage® status for a loved one
• Admirals Club® One-Day Passes to relax before takeoff

Redeem your AAdvantage® miles for Mastercard Priceless Experiences®

U.S. American Airlines AAdvantage® Mastercard® credit card holders can now use miles or a combination of miles and dollars to book Mastercard Priceless Experiences.

Enjoy culinary, sporting, theatrical events and more to fuel your passions and make priceless memories.

Get Access to Exclusive Offers

Earn AAdvantage® miles on every purchase

Turn shopping into miles with AAdvantage® eShopping℠.

Shop 1,200+ stores for groceries, fashion, home goods, and more. You’ll access top deals and valuable coupons, plus earn miles on every dollar you spend–and that’s on top of miles you’re already earning with your Citi® / AAdvantage® credit card.

Earn more miles with SimplyMiles™

Introducing SimplyMiles™ — a new way to earn American Airlines AAdvantage® miles faster on every dollar you spend, with personalized offers from your favorite brands.

Simply join and register your Citi® / AAdvantage® card and shop at your favorite stores. It’s easy to get started:

• 1) Join SimplyMiles™
• 2) Add your Citi® / AAdvantage® card
• 3) Activate offers, shop and earn miles

The more you shop, the more you earn for flights, upgrades, vacations and more.

Get a 10% discount on eligible dream vacations

Did you know that as a Citi® / AAdvantage® cardmember you get a 10% discount off non-air components of qualifying American Airlines Vacation packages, including hotel stays, rental cars, tours and activities?

Use this dedicated link to benefit from the 10% discount.

1 mile per $1

Bonus miles, no mileage cap, 1 loyalty point per eligible aadvantage® mile, 25% savings on eligible inflight purchases.

Citi® / AAdvantage® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their Citi® / AAdvantage® credit card. Savings do not apply to any other inflight purchases, such as wireless internet access. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines, PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

**American Airlines Vacations℠ leisure discount program

This offer provides a 10% discount on non-flight components of qualifying American Airlines Vacations℠ travel packages. Discount will be applied to non-flight components (hotels, rental cars, theme park passes, sightseeing tours, etc.) when purchased via aavacations.com/citi » . The discount is applied to prices provided throughout the booking path and is reflected in the price page. A maximum of 6 passengers can be listed in a single reservation for an American Airlines Vacations℠ booking.

This discount is only available online via the designated American Airlines Vacations℠ discount program website accessible through aavacations.com/citi » . Accessing  aavacations.com »  via any other source will not provide this discount. Our professional reservations representatives are available by phone but the discount only applies to online bookings made via the designated American Airlines Vacations℠ discount program website. Any changes to a booking made by our reservations representatives will result in the loss of the discount. Cancellations are subject to all applicable penalties. All sales are subject to American Airlines Vacations℠ normal cancellation and refund policies, which vary by destination. Once you have selected your destination and itinerary, you should review these policies by reading the Terms and Conditions, available on the payment page, before purchasing your travel arrangements.

Authorized user

Before adding an authorized user to your credit card account you should know:

You’re responsible for all charges made or allowed to the credit card account by the Authorized user. Miles earned on an Authorized User’s credit card will be allocated to the AAdvantage® account of the primary credit cardholder and not the Authorized User. Authorized users have access to your credit card account information. Before adding an Authorized user, you must let him/her know that we may report credit card account performance to the credit reporting agencies in the Authorized user’s name. If we ask for information about the Authorized User, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law.

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