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Credit Card Reviews » Citi® Platinum Select® / AAdvantage® World MasterCard® |
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If you have excellent credit and a bad bite from the travel bug, there's no reason to stay with a credit card that isn't taking you places. With the Citi®Platinum Select®/AAdvantage® World MasterCard®, you'll be rewarded for you responsible financial past with every purchase that you make. This credit card offers incredible travel rewards, so that no matter what you're spending your money on, you're always earning your way toward your next vacation.
When you become a Citi® Platinum Select®/AAdvantage® World MasterCard® cardholder, you will start enjoying the benefits immediately. You will automatically receive 25,000 AAdvantage® bonus miles after you make $750 in purchases within 4 months. After that, you will earn one mile for every single dollar that you spend while using your credit card.
Those miles can then be redeemed for your hotel accommodations, the rental car that gets you to them, and, best of all, the flights that gets you there in the first place. You points can be redeemed for free flights with American Airlines and any of its many participating partners, giving you the flexibility to get to the destination you want.
Though this card does have a cap on the number of miles you can earn, the cap is very high. During the period of one year, you can earn as many as 100,000 miles on your purchases, and you'll never have to worry that those miles will expire before you can use them. As long as there is activity on your account at least once every three years, your miles will be there when you're ready to use them.
The APR on this credit card is above the average for a rewards card, and it has an annual fee of $85, which is slightly high. However, this fee will be waived for your first year of use. There is a 19.99% minimum cap on any cash advances, ensuring a high interest rate on this type of transaction.
Even so, this card comes with excellent platinum benefits that will keep you feeling comfortable and secure, even while you're traveling. You'll receive up to $1,000,000 in travel accident insurance, auto rental insure, and lost and stolen card reporting. This card even offers its cardholders travel to certain locations for reduced miles. If you don't plan on taking out cash advances or carrying a balance, there's no better card to travel with.
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n/a Intro APR (* see notes for details)
14.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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First Year Free, then $85 Annual Fee
20 days Grace Period |
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| Finance Configuration: Average daily balance. This includes new purchases. |
| Additional Cardholders: $0 |
| Late Payment Fee: $15 on balances up to $100, $29 on balances of $100 up to $250, $39 on balances of $250 and over |
| Over-The-Limit Fee: $39 |
| Cash Advance Fee: 3% of each cash advance; $5 minimum. |
| Balance Transfer Fee: 3% of each balance transfer; $5 minimum. |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Mile |
| Miles per Dollar: 1.00 |
| Bonus Miles Other: n/a |
| Expiration: 3 Years (Miles do not expire as long as the account is active during a 3-year period.) |
| Yearly Limit: 100,000 Miles (AAdvantage Executive Platinum®, AAdvantage Platinum®, and AAdvantage Gold® members are excluded from this limit.) |
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| Additional Features for Citi® Platinum Select® / AAdvantage® World MasterCard®: |
Various Internet account related services.
Access to reduced mileage awards.
Identity theft solutions.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Automatic bill payments.
Auto rental insurance.
Year-end financial statement (upon request).
Lost luggage assistance.
Medical referral services.
Legal referral services.
Various travel and emergency assistance services.
Up to $1,000,000 in travel accident insurance.
See website for additional benefits. |
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| Important Notes for Citi® Platinum Select® / AAdvantage® World MasterCard®: |
The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources.
Any amount that exceeds the credit limit must be paid in full.
See website for complete terms and conditions of card usage and application disclosure. |
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| Notes: The review on Citi® Platinum Select® / AAdvantage® World MasterCard® was updated on May 05, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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