The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is designed for travelers who want to make the most of their journeys. Offering a range of travel benefits and the opportunity to earn AAdvantage® bonus miles, this card stands out as a valuable tool for frequent flyers.
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With the chance to earn 50,000 AAdvantage® bonus miles after meeting initial spending requirements, and the added perks such as no annual fee for the first year, it’s clear why this card is highly regarded among travel enthusiasts.
In addition to the generous bonus miles, cardholders can enjoy a host of travel benefits, including a free checked bag on domestic American Airlines flights, preferred boarding, and significant savings on in-flight purchases. These perks make traveling more convenient and enjoyable, further enhancing the overall travel experience.
Main information about the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is tailored for individuals who frequently travel with American Airlines. Here’s a breakdown of the card’s main features and benefits:
How does the annual fee work?
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® features an annual fee of $99, but this fee is waived for the first 12 months. This introductory offer provides new cardholders with the opportunity to enjoy the card’s benefits without any immediate financial obligation.
After the initial year, the annual fee of $99 can be paid either in a lump sum or in monthly installments, depending on the cardholder’s preference. The waiver of the annual fee during the first year is especially advantageous for individuals who wish to explore and experience the card’s perks without incurring any upfront costs.
How Is the credit limit determined?
The credit limit for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is determined by the applicant’s creditworthiness, which encompasses various factors such as their credit score, income level, and financial history. Citi, the issuing bank, evaluates these criteria to establish a personalized credit limit that reflects the cardholder’s financial profile.
Unlike prepaid cards where the limit is tied to the amount deposited, the credit limit for this type of conventional credit card is set by the bank and may be adjusted over time based on the cardholder’s usage patterns and payment behavior. This flexibility allows for potential increases or decreases in the credit limit as the cardholder’s financial circumstances evolve.
Advantages of the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers a variety of advantages that cater to both travel enthusiasts and everyday spenders:
- Significant Bonus Miles: Earn 50,000 AAdvantage® bonus miles after spending $2,500 in the first 3 months.
- First Checked Bag Free: Save up to $400 per round trip for you and up to four companions.
- Preferred Boarding: Enjoy priority boarding on American Airlines flights.
- In-Flight Savings: Get 25% off in-flight food and beverage purchases.
- No Foreign Transaction Fees: Save on purchases made outside the United States.
- Mileage Benefits: Earn miles on everyday purchases, accelerating your journey towards your next award flight.
Highlighted advantage: mileage program
The standout feature of the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is its robust mileage program, which offers cardholders the opportunity to earn AAdvantage® miles for every dollar spent. These miles can be redeemed for a variety of travel rewards, including flights, upgrades, car rentals, hotel stays, and more.
What sets this card apart is the ability to earn a substantial 50,000 bonus miles quickly, providing cardholders with significant travel rewards from the outset. Additionally, the card offers the added benefit of earning one Loyalty Point for every eligible mile earned, enhancing cardholders’ status in the AAdvantage® program and unlocking additional perks and benefits as points accumulate.
This combination of generous rewards and loyalty benefits makes the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® an appealing choice for frequent travelers seeking to maximize their travel experience.
Disadvantages
While the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers numerous benefits, there are a few drawbacks to consider:
- Annual Fee: $99 after the first year, which might be a downside for infrequent travelers.
- Limited Free Bag Policy: The free checked bag benefit does not apply to international flights.
- High APR: Variable APR ranging from 21.24% to 29.99%, which can be costly if balances are not paid in full.
- No Activity Breakdown: Difficulty in tracking spending by individual users on the same account.
Highlighted disadvantage: annual fee
The primary disadvantage of the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is its annual fee. Although the fee is waived for the first year, it reverts to $99 thereafter. This can represent a notable expense, particularly for individuals who don’t travel frequently enough to offset the fee with the card’s travel benefits.
For those who infrequently travel, the value obtained from the card may not justify the annual fee, rendering it less appealing compared to other credit cards that don’t charge an annual fee.
Who can apply for this card?
To apply for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, applicants need to meet specific eligibility criteria:
- Age Requirement: Applicants must be at least 18 years old to apply for the card.
- Residency: Applicants must reside in the United States or its territories, excluding Puerto Rico and the U.S. Virgin Islands.
- Credit Score: Generally, applicants should have a good to excellent credit score to be approved for the card. This typically means a FICO score of 670 or higher.
- Income: Applicants must provide proof of a stable income to demonstrate their ability to manage credit responsibly.
- Existing Accounts: Bonus miles may not be available to applicants who have received a new account bonus for this card within the past 48 months. This criterion prevents individuals from repeatedly opening new accounts solely for the bonus miles.
Meeting these criteria increases the likelihood of approval for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® and enables cardholders to enjoy its benefits and rewards.
How to apply for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Applying for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is straightforward and can be done through various channels:
Through the Website
To apply for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® online, follow these steps:
- Visit the Official Website: Go to the Citi or American Airlines credit card page using your web browser.
- Select the Card: Browse through the available cards and select the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.
- Fill Out the Application: Click on the “Apply Now” button and complete the online application form. Provide your personal information (such as name, address, and Social Security number) and financial details (such as income and employment status).
- Submit: Carefully review all the information you have entered to ensure accuracy. Once satisfied, submit your application.
- Await a Response: You will typically receive a response regarding the status of your application within minutes. The bank will inform you whether your application has been approved, denied, or if additional information is needed.
Applying through the Mobile App
To apply for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® using the Citi Mobile App, follow these steps:
- Download the App: Install the Citi Mobile App from the App Store (for iOS devices) or Google Play (for Android devices).
- Login or Register: Open the app and log in with your existing Citi account credentials. If you don’t have a Citi account, follow the prompts to create a new one.
- Navigate to Credit Cards: Once logged in, find the credit card section within the app. Look for and select the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® from the list of available cards.
- Apply: Follow the on-screen prompts to fill out the application form. Enter your personal, financial, and employment details as required.
- Submit Your Application: Review all the information you have entered to ensure it is accurate. Once you’re satisfied, submit your application through the app.
- Await a Response: You will typically receive a response regarding the status of your application within minutes. The app will notify you if your application has been approved, denied, or if further information is required.
In-Store or Agency
To apply for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® in person, follow these steps:
- Locate a Branch: Use the branch locator on the Citi website or find an American Airlines office near you.
- In-Person Application: Visit the branch or office and speak with a representative. Inform them that you want to apply for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.
- Submit Documents: Provide the necessary documentation, which may include your identification, Social Security number, proof of income, and other relevant financial information. The representative will assist you in completing the application form.
- Receive Confirmation: Once you have submitted your application, the representative will process it. You will receive information about the approval status of your application. If approved, you will receive your credit card by mail.
By following these detailed steps, you can easily apply for the Citi®/AAdvantage® Platinum Select® World Elite Mastercard® and start enjoying its extensive travel benefits and rewards. It is extremely necessary to be aware of the requirements that will be made and have been established here throughout the text, regardless of how you choose to make your request, be prepared with the appropriate documentation and willing to provide your data.
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