Citi® / AAdvantage® MileUp℠ Card

Quick Snapshot

• Annual Fee: $0
• APR: 19.24%-29.24% variable
• Rewards: 2X AAdvantage miles on eligible American Airlines purchases, 2X at grocery stores, 1X on everything else
• Bonus: 15,000 American Airlines AAdvantage bonus miles after spending $500 in the first 3 months
• Best For: Casual AA flyers and grocery shoppers who want to earn AAdvantage miles with no annual fee
• Credit Needed: Good to Excellent (670+)

Overview

The Citi AAdvantage MileUp Card is the no-annual-fee entry point to earning American Airlines miles with a Citi credit card. It earns 2X AAdvantage miles on eligible American Airlines purchases and at grocery stores, with 1X on everything else. The 15,000-mile welcome bonus after just $500 in spending within 3 months is one of the easiest airline card bonuses to earn.

While the MileUp lacks the premium travel perks of the Platinum Select (no free checked bags or preferred boarding), it makes up for it with zero annual cost and surprisingly useful 2X grocery earning. For households that spend $500+ per month on groceries, this card can accumulate a meaningful AA miles balance over time without any fee eating into the value.

This card is ideal for casual American Airlines flyers who want to earn miles passively on everyday spending, or for anyone who wants a second AA card specifically for grocery purchases. It pairs well with the AAdvantage Platinum Select or Executive cards for a comprehensive AA miles strategy. The no-annual-fee structure means there is no break-even point -- every mile earned is pure value.

APR Breakdown

• Purchase APR: 19.24%-29.24% variable
• Balance Transfer APR: 19.24%-29.24% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: 29.99% variable

Note: Variable APR of 19.24%-29.24% based on creditworthiness. No intro APR on purchases or balance transfers.

Benefits Overview

Miles Earning

• 2X AAdvantage miles on eligible American Airlines purchases
• 2X AAdvantage miles at grocery stores
• 1X AAdvantage mile on all other purchases
• No caps on miles earning in any category

No-Fee Benefits

• No annual fee ever
• No foreign transaction fees
• Citi Entertainment presale access
• Zero liability on unauthorized purchases

Rewards & Points

• 2X AAdvantage miles on eligible American Airlines purchases
• 2X AAdvantage miles at grocery stores
• 1X AAdvantage mile on all other purchases

Miles are deposited into your AAdvantage account and can be used for flights on American Airlines and oneworld partners, upgrades, hotels, car rentals, and more. The 2X grocery earning is uncapped, making this an effective everyday miles-earning card.

Welcome Bonus

Earn 15,000 American Airlines AAdvantage bonus miles after spending just $500 in purchases within the first 3 months of account opening. At an average value of 1.3 cents per mile, these miles are worth approximately $195 in AA flights. The $500 spending requirement is one of the lowest for any airline card bonus.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: 5% of each transfer (min $5)
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: $0
• Late Payment Fee: Up to $41
• Returned Payment Fee: Up to $41

Who This Card Is Best For

Ideal For

• Casual AA flyers who want to earn miles with no annual fee commitment
• Grocery shoppers who spend heavily at supermarkets and want to convert that into AA miles
• New to airline cards who want an accessible entry with a low $500 spending requirement
• Multi-card AA strategists who use this alongside a Platinum Select for grocery spending

Not Good For

• Frequent AA flyers who need the free checked bag and preferred boarding of the Platinum Select
• Everyday spenders who want more than 1X on non-grocery, non-AA purchases
• Premium perks seekers who want lounge access or in-flight benefits

Key Pros & Cons

Pros

• No annual fee makes every mile earned pure profit
• 2X miles at grocery stores is a valuable everyday earning category
• 15,000-mile welcome bonus requires only $500 in spending
• 2X on AA purchases matches the Platinum Select's airline earning rate
• No foreign transaction fees
• Good companion card for the Platinum Select or Executive
• No caps on miles earning
• Easy qualification with a low spending requirement for the bonus
• Citi Entertainment presale access included

Cons

• No free checked bags on AA flights (upgrade to Platinum Select for that)
• No preferred boarding on AA flights
• 1X on non-bonus purchases is below average
• 15,000-mile bonus is modest compared to the Platinum Select's 50,000
• No in-flight purchase savings
• No intro APR on purchases or balance transfers
• No travel insurance or trip protection benefits
• Limited bonus categories beyond AA and grocery

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

First-year value: $546 ($195 bonus + $351 in miles). Ongoing annual value of $351 on $19,500 in spending with no fee. The grocery earning category makes this card particularly valuable for families.

Should You Get This Card?

You Should Get It If...

• You fly American Airlines occasionally and want to earn miles for free
• You spend heavily on groceries and want 2X miles on every supermarket trip
• You want an airline card with zero annual fee commitment
• You want the easiest possible sign-up bonus with just $500 in spending
• You plan to pair this with a premium AA card for a multi-card strategy
• You want no foreign transaction fees for occasional international travel

You Should Skip It If...

• You fly AA frequently and need free checked bags and preferred boarding
• You want a large sign-up bonus (50,000+ miles)
• You want more than 1X on everyday non-grocery spending
• You want travel insurance or trip protection benefits
• You prefer cash back over airline miles
• You already have the Platinum Select and do not need a second AA card

Apply Now

Apply for Citi® / AAdvantage® MileUp℠ Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.