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Card Economics
- Annual Fee
- $199
- Ongoing Annual Value
- $145
- First-Year Value Estimate
- −$195
- Net Value
- −$54
Card type: PersonalForeign transaction fee: NoneCurrency: American AAdvantage
This card has been retired.
It is no longer offered. The information below is kept for historical reference.
Earning Structure
3XAmerican Airlines purchases4.2%
2XCar rentals2.8%
2XHotels2.8%
1XAll other purchases1.4%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (3)
- In-flight Food and Beverage: $25 (Per Day)
Per calendar day on American Airlines flights. Available to primary cardholders and authorized users.
- In-flight Wi-Fi: $50 (Annual Cardmember Year)
On American Airlines flights.
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Can be applied to friend/family member.
Protections (5)
- Travel Accident Insurance — up to $250,000 — Up to $250,000 coverage for death/dismemberment on common carrier when fare paid with card
- Trip Cancellation/Interruption — up to $5,000 — Up to $5,000 per trip or $10,000 per 12 months (whichever is lower) for non-refundable trip costs
- Baggage Delay Insurance — up to $300 — $100 per day for up to 3 days for essential purchases when baggage is delayed 6+ hours
- Auto Rental Collision Damage Waiver (secondary) — Coverage for rental car damage or theft when entire rental paid with card; includes SUVs and trucks
- Cell Phone Protection — up to $800 — Up to $800 per claim, $1,000 per card per 12-month period, $50 deductible, max 2 claims per year; must pay monthly cell phone bill with card
Other Perks
- First checked bag free for cardholder and up to 8 companions
- Priority boarding for cardholder and companions
- Companion certificate (up to 2 guests at $99 + tax each, domestic economy only) after $20K membership year spend
- Flight Cents feature rounds up purchases to nearest dollar for additional miles
- Earn 1 AAdvantage Loyalty Point per dollar spent on card (toward elite status qualification)
- Up to 15,000 bonus Loyalty Points: 5K each at $20K, $40K, and $50K spend thresholds