Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
3x
Travel
2x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
Earn 3X AAdvantage miles at American Airlines
Earn 2X on car rentals and hotels
Earn 1X on everything else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseAmerican Airlines3×
- TravelHotels2×
- Everything elseCar rentals2×
- Everything elseAll Purchases1×
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.
- Wi-Fi$50/yr
Wi-Fi statement credits up to a maximum of $50 towards in-flight Wi-Fi sessions every anniversary year.
Benefits
- Companion Certificate (spend)
Earn two $99 domestic economy fare companion certificates by spending $20,000 and keeping your account open for at least 45 days after the anniversary date.
- Companion Certificate
Earn two $99 domestic economy fare companion certificates by spending $20,000 and keeping your account open for at least 45 days after the anniversary date.
- Reduced Mileage Awards
Redeem AAdvantage miles for discounted round trip or one-way travel on MileSAAver awards to select destinations designated every other month.
- Inflight Dining$25/yr
Recieve $25 daily on inflight food and beverage purchases. Must use the card to recieve statement credit.
- Free Checked Bag
Primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries. Valid for up to eight companions.
- Preferred Boarding
Receive preferred boarding boarding (Group 5). Valid up to four companions.
- Flight Cents
Flight Cents rounds up purchases to the nearest whole dollar allowing you to earn AAdvantage miles. Participation is optional.
- Elite Qualifying Miles
Earn 5,000 EQMs after spending $20,000 in eligible purchases during a calendar year. Earn an additional 5000 EQMs after spending $40,000 during a calendar year, for a total of 10,000 EQMs.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $195 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.
