Citi
AAdvantage MileUp Card
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Card review
AAdvantage MileUp Card
Citi
Last updated October 6, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
15,000 pts welcome offer
Est. net value
$467/yr
Credit score
Varies
Top earn rate
2x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The AAdvantage MileUp Card from Citi carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $441.84 in rewards plus $25.00 in credits and perks — $466.84 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseAmerican Airlines | 2× |
| GroceriesGroceries | 2× |
| Everything elseAll Purchases | 1× |
Welcome offer
15,000 points
- Spend $500 in 90 days
- Est. value: $150 (WalletFlo catalog)
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- In-flight Savings$25/yr
25% savings on inflight food and beverage purchases when you use your card on American Airlines flights.
- No Blackout Dates
Plan your travel freely with no blackout dates when booking with miles.
- Citi® Quick Lock
Instantly block new charges on a misplaced card while allowing recurring transactions to continue without disruption.
- 24-hour Fraud Protection
Citi will alert you if there is unusual activity on your account.
- Mastercard® ID Theft Protection
Monitors your information and alerts you if suspicious activity is found. Enrollment is free.
- No mileage cap
There is no maximum number of American Airlines AAdvantage® miles that you can accumulate with your card.
- Add Authorized Users
Earn AAdvantage® miles on purchases made by Authorized Users at no additional charge.
- Chip-based Card Technology
Provides security and global acceptance.
- Free FICO® Score
Receive free access to your FICO® Score online to review your credit history.
- Foreign Transaction Fee
3% of the U.S. dollar amount of each purchase.
- Citi Entertainment®
Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences.
- Citi® Flex Pay
Buy now, pay later. Pay over time in fixed monthly payments and continue to earn points on eligible purchases of $75 or more.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo 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.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.