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Citi AAdvantage Platinum Select
🇺🇸 United States · Citi

Citi AAdvantage Platinum Select

American Airlines loyalists — free checked bag + boarding.

4 / 5
Joining fee
$0
Annual fee
$99
Top reward
2%
Min income

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5-year value calculator

How much Citi AAdvantage Platinum Select actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$252
Annual fee$99
Welcome bonus (year 1 only)+$2,500
Cumulative net value
+$3,265
over 5 years
Year 1
$2,653
+$2,653/yr
Year 2
$2,806
+$153/yr
Year 3
$2,959
+$153/yr
Year 4
$3,112
+$153/yr
Year 5
$3,265
+$153/yr
Year 1 (with bonus)
$2,653
Year 2+ (steady state)
$153/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

travel
2%
📈
Everything else
1%
📈
🎁
Welcome bonus

50,000 AA miles after $2,500 spend in 3 months

What you get

  • 2x miles on American Airlines + dining + gas
  • 1x on everything else
  • Free first checked bag for cardholder + 4 companions
  • Preferred boarding
  • Annual fee waived first year

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min credit score
700+
Self-employed
Eligible