Credit Cards » Credit Card Reviews » American Airlines AAdvantage MileUp Credit Card Review 2024
Advertiser Disclosure This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval. This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

American Airlines AAdvantage MileUp Credit Card Review 2024

By offering specia benefits for loyal customers, the American Airlines AAdvantage MileUp card is certainly designed for people who are flying multiple times each year for various reasons, whether it be work, leisure, or both.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

American Airlines AAdvantage® Mile Up®

Rewards Plan

1X – 2X 2 AAdvantage miles per dollar on grocery stores and eligible American Airlines purchases, and 1 mile per dollar on other purchases

Sign up Bonus

10,000 miles 10,000 miles and $50 statement credit if you spend $500 in first 3 months

Our Rating

3.6
3.6/5

0% Intro

None

Annual Fee

$0

APR

21.24% – 29.99% (Variable)
American Airlines AAdvantage® MileUp®

Rewards Plan

1X – 2X 2 AAdvantage miles per dollar on grocery stores and eligible American Airlines purchases, and 1 mile per dollar on other purchases

Sign up Bonus

10,000 miles 10,000 miles and $50 statement credit if you spend $500 in first 3 months

Our Rating

3.6
3.6/5

PROS

CONS

APR

21.24% - 29.99% (Variable)

Credit Requirements

Good – Excellent

The American Airlines AAdvantage® MileUp® card is good for infrequent American Airlines flyers who are looking for an introduction to AAdvantage miles including rewards for everyday purchases. This along with the fact that it does not have an annual fee makes it an appealing card to people who are new to travel rewards. 

Cardholders get 2 AAdvantage miles per dollar on grocery stores and eligible American Airlines purchases, and 1 mile per dollar on other purchases. Also, there is a nice sign up bonus of 10,000 miles and $50 statement credit if you spend $500 in first 3 months. 

The card's advantages include the absence of an annual fee, a reasonable sign-up bonus, and the potential to earn elite status through Loyalty Points. However, it lacks some travel benefits compared to other American Airlines cards and imposes a 3% foreign transaction fee.

However, there are better cards out there as far as travel rewards credit cards are concerned, and depending on the card holder's credit history, travel needs, and frequency, a potential cardholder might want to explore other options before jumping at the American Airlines AAdvantage MileUp Card. In spite of that, most travel cards charge an annual fee.  

What Purchases Don't Earn Points?

Citi does have a list of purchases that are ineligible to earn miles. This includes unauthorized charges, account fees, traveler’s checks, foreign currency or money order purchases, lottery tickets, betting transactions and wire transfers.

How Much Are 10,000 Miles/Points Worth?

AAdvantage miles have a value of 1.27 cents per mile typically, depending on your preferred redemption method. This means that 10,000 miles would have a typical redemption value of $127.

Does The Card Insurance Cover Flight Cancellation?

The American Airlines AAdvantage Mileup card does not provide card insurance. So there is no flight cancellation coverage with this card even if you purchase your fares with your card.

What Is The Initial Credit Limit?

Citi does not state a minimum credit limit for new customers approved for the AAdvantage Mileup. However, customer reviews do suggest that the initial credit limit is $2,000 or more. As with most credit cards, your actual credit limit will be determined by your creditworthiness, income and other factors.

Can I Get Car Rental Insurance With An American Airlines Aadvantage Mileup Card? How?

Although this is an American Airlines branded card, there are limited travel benefits, including a lack of car rental insurance. This does mean that even if you use your card to pay for your entire car rental, you’ll not get any car insurance coverage.

American Airlines AAdvantage® MileUp overview
(Photo by NaMong Productions/Shutterstock)

In this Review..

Pros & Cons

Let's explore the advantages and disadvantages of the AAdvantage Mile Up Card to determine its suitability for your financial needs.

Pros
Cons
Double Miles
Foreign Transaction Fee
No Annual Fee
Limited Travel Perks
Welcome Bonus
Blackout Dates for Redemptions
Loyalty Points for Elite Status
No Priority Boarding or Free Checked Bag
No Fee for Authorized Users

Earn 2 AAdvantage miles per dollar on grocery stores and eligible American Airlines purchases, and 1 mile per dollar on other purchases

Book an experience with AAdvantage card
(screenshot taken by our team from American Airlines app)

The American Airlines AAdvantage® Mile Up® card offers the benefit of accumulating AAdvantage miles without the burden of an annual fee, making it a cost-effective option for occasional travelers.

Users can earn Loyalty Points toward elite status with American Airlines, receiving 1 Loyalty Point for every mile earned through card spending, potentially leading to additional travel benefits.

The card allows users to add authorized users at no additional fee, making it convenient for family members or travel companions to share the benefits.

The card offers 10,000 miles and $50 statement credit if you spend $500 in first 3 months.

If you plan on taking a trip abroad, you might want to consider leaving this card at home. 

Any transaction put on this card outside of the U.S. will result in you paying 3% on the purchase. This is something that many other travel cards don’t charge.

While the card offers a 25% discount on in-flight purchases, it lacks some of the robust travel perks and benefits compared to higher-tier American Airlines credit cards.

25% off on food and drink in AA flights
Cardholders get 25% off on food and drink in AA flights (Photo by Ceri Breeze/Shutterstock)

Some redemptions may be subject to blackout dates, limiting the flexibility of using AAdvantage miles for certain flights.

Unlike some higher-tier American Airlines credit cards, the AAdvantage Mile Up card does not provide priority boarding or free checked bag benefits, limiting its appeal for frequent travelers.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Rewards Simulation: How Much You Can Earn?

The best way to see if the AAdvantage MileUp Card is the right choice for your needs, is to calculate the amount of rewards and benefits you suppose to earn. 

Keep in mind that this is a general breakdown of expenses, so make sure to adjust it to your own consumer preferences and spending habits.

Spend Per Category
American Airlines AAdvantage® MileUp®
$10,000 – U.S Supermarkets
20,000 miles
$4,000 – Restaurants
4,000 miles
$4,000 – Airline
8,000 miles
$3,000 – Hotels
3,000 miles
$4,000 – Gas
4,000 miles
Total Miles/Points
39,000 miles
Estimated Redemption Value
1 mile = ~1.27 cent
Estimated Annual Value
$495

How to Redeem Your Miles?

With the American Airlines AAdvantage MileUp card, you can earn 2 AAdvantage miles per dollar on grocery stores and eligible American Airlines purchases, and 1 mile per dollar on other purchases.

You can use your Aadvantage miles to book flights to over 1,000 destinations worldwide. American Airlines awards are available in a variety of configurations, so you are not restricted by blackout dates or other restrictions.

You can also use your miles to pay for hotel stays, vacation packages, car rentals, and first-class or business-class upgrades.

Book a flight with AAdvantage Mileup card miles
Book a flight with AAdvantage Mileup card miles (screenshot taken by our team from American Airlines app)

Make The Most of Your AAdvantage MileUp

Here are some pointers to help you make the most of your AAdvantage MileUp:

  • Make a Strategy: The average redemption rate for AAdvantage Miles is 1.2-1.3 cents per mile, but if you simply book any flight, you could end up with far less. However, with some forethought, you may be able to obtain a better rate.
  • Leverage sign up bonus: The minimum spending needed to get the bonus is quite low, so you can take advantage of it easily.
  • Be Flexible When Redeeming Miles: Because AAdvantage Miles redemption rates can vary greatly, the best way to maximize your card benefits is to carefully research flight options. If your travel dates are flexible and you're willing to compare the cash value of the flights to see which offers the best redemption rates.
Redeem AA Miles for Cars
Redeem AA Miles for Cars (screenshot from American Airlines app)

Do Consumers Love This Card?

Satisfied borrowers report that credit limit increases are possible with consistent positive account activity, which may help you improve your credit score.

Negative reviews highlight some issues with the grocery store purchase category. There have been numerous complaints that the definition of a grocery store is a little complicated, and customers have had difficulty obtaining miles when purchasing groceries because the purchases are classified as “merchandise.”

How To Apply For AAdvantage MileUp Card?

Visit the American Airlines AAdvantage Card homepage and click “Apply Now.”

A page appears to get you started, which includes your names, mailing address, date of birth, etc.

American Airlines_Apply now

Now, you’ll need to insert your social security number. take your time to read through the E- Pricing & terms.

American Airlines_Apply now

Lastly, agree to the certifications and click “Submit.”

How It Compared To Other American Airlines Credit Cards?

When compared to other American Airlines cards, the AAdvantage Mile Up card stands out for its simplicity and cost-effectiveness.

In comparison, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers a more comprehensive package with a higher annual fee that is waived for the first 12 months. It provides significant perks such as free checked baggage, priority boarding, and a more substantial welcome bonus.

The most premium American Airlines card is the Citi AAdvantage Executive car which targets a more premium audience with a higher annual fee, but it comes packed with exclusive benefits. The Executive card provides Admirals Club membership, priority check-in, and priority boarding, along with a substantial welcome bonus and enhanced rewards on eligible American Airlines spending.

Is the AAdvantage MileUp Card Right for You?

By offering special benefits for loyal customers, the American Airlines AAdvantage MileUp card is certainly designed for people who are flying multiple times each year for various reasons, whether it be work, leisure, or both.

This along with the fact that it does not have an annual fee makes it an appealing card also to people who are new to travel rewards. The American Airlines AAdvantage MileUp is a fantastic option that could be beneficial if you:

  • You want to earn extra points for your groceries: Another feature that airline cards have in common is that they heavily prioritize airline purchases. This card, on the other hand, earns two points on American Airlines and grocery store purchases.
  • You want to accumulate loyalty points in order to improve your AAdvantage status. You'll earn one loyalty point for every dollar spent, but you'll need 30,000 or more to qualify for the lowest tier, AAdvantage Gold.
  • You do not want to pay a yearly fee: Most airline cards have an annual fee, which means you must recoup enough rewards to cover the fee before you can seriously benefit from the card. The AAdvantage MileUp, on the other hand, has no annual fee, so you can start saving right away.

Compare The Alternatives

Several other credit cards provide similar rewards to the American Airlines AAdvantage MileUp while also offering a couple of features that this card lacks:

united explorer

Delta SkyMiles Gold American Express Card Review

United℠ Explorer Card
Delta SkyMiles® Gold American Express Card
Citi®/AAdvantage® Platinum Select® World Elite Mastercard®
Annual Fee
$95 ($0 first year)
$150, $0 intro first year. (See Rates and Fees.)
$99 (waived for the first 12 months)
Rewards
1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases
1X – 2X 2X miles on delta purchases, at restaurants worldwide (including take-out and delivery in the U.S) and at U.S. supermarkets, and 1x miles on all other eligible purchases
1X – 2X Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Welcome bonus
50,000 miles 50,000 miles after you spend $3,000 on purchases in the first 3 months your account is open.
65,000 Miles 65,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months
50,000 Miles 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Foreign Transaction Fee
$0
$0. See Rates and Fees.
$0
Purchase APR
21.99% – 28.99% variable
20.99%-29.99% Variable
21.24% – 29.99% (Variable)

FAQ

The American Airlines AAdvantage MileUp requires good to excellent credit. It is your credit status rather than your income that will influence your card approval. However, your income will be used to determine your credit limit, so the card issuer may require you to provide proof of your income.

AAdvantage miles do expire, but only if there are 18 months of inactivity on your account. So, if you continue to add miles and redeem them, you should not have any issues with keeping your account active or your miles expiring.

Unlike some programs, neither of these airline reward schemes has lots of partners. It is possible to use AAdvantage miles for American Airlines and JetBlue flights, and vice versa. However, there are no other airline partners that accept AAdvantage miles.

Citi occasionally offers pre approval mail outs for cards, but if you have not received an AAdvantage Mileup mailer, you’ll need to use the online application, which does not allow pre approval. You’ll need to complete the full application that involves a hard credit pull.

Compare American Airlines AAdvantage MileUp

If you're looking for an airline card, both American Airlines and JetBlue cards can be a perfect choice, depends on your needs. Here are our thoughts.

AAdvantage MileUp vs JetBlue Plus: Which Airline Card Wins?

We think that for most consumers, the no-annual-fee AAdvantage MileUp card may be a better option. When you may consider the Platinum Select?

American Airlines AAdvantage MileUp vs. Platinum Select

Both cards offer basic airline benefits, decent cashback and no annual fee. But, the JetBlue card is our winner – here's why.

American Airlines AAdvantage MileUp vs The JetBlue Card

The AAdvantage MileUp is our winner, especially if you plan to use the card for more categories besides travel. Here's why.

United Gateway Card vs American Airlines AAdvantage MileUp : Comparison

Review Airline Credit Cards

Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Search
Best Cards Per Category

Offers From Our Partners

Milestone® Mastercard®

Annual Fee:
$175 the first year; $49 thereafter
APR:
35.90%

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Top Offers From Our Partners

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

Milestone® Mastercard®

Annual Fee:
$175 the first year; $49 thereafter
APR:
35.90%
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

#1 In credit Cards

Our Newsletter

Sign up to our newsletter for secret credit card tips, insider advice, and exclusive deals straight to your inbox

Start saving smarter with

Our Credit Card Newsletter

Sign up for our newsletter and gain access to expert advice,
insider knowledge, and exclusive offers

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.