AAdvantage MileUp Mastercard

AAdvantage MileUp Mastercard

CitiNo annual feeWorld Elite Mastercard3% foreign transaction feeIssuer's page

A fair time to apply if the card fits how you spend.

Already have it? Keep it open: it holds a perk or an upgrade path at no cost.

Welcome bonus

15,000miles+ $100

after $500 in purchases in the first 3 months

48 Month Rule, 1 per 8 Days and 3 more. Am I eligible?

First year
$355
Each year after
+$118

A typical spender, at Miles' point values.

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Compare
A typical spender, at Miles' point values. Values as of October 22, 2026. How Miles computes this
First-year valueAmount
Welcome bonus15,000 points at 1.4¢ + $100 cash$310
Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend+$48
Annual fee$0
Meeting the $500 minimumearns 1.4% here vs 2% on Double Cash−$3
First year$355
Each year after+$118

Not counted in the first year: protections (each year after counts them).

No ads, no paid placement · Your wallet, your math

Earning

Ranked by how much of a typical year's spending each rate covers. Return is each rate at Miles' value of 1.4¢ a point. Rates in medium weight return more than the 2% benchmark.
RateCategoryReturn
2XGrocery Stores2.8%
2XAmerican Airlines purchases2.8%
1XEverything else1.4%

Personal card · Earns American AAdvantage

Is this the best card for Grocery Stores?Is this the best card for American Airlines purchases?

Benefits

Elite status (1)
  • American AAdvantage: Earn 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases toward AAdvantage status
Protections (2)
  • Damage & Theft Purchase Protection (secondary), up to $1,000, Covers purchases against damage or theft within 90 days of purchase or delivery, up to $1,000 per incident, $50,000 per year. Secondary coverage.
  • Extended Warranty, up to $10,000, Extends manufacturer's warranty by 24 months (max 7 years total from purchase date). Max $10,000 per item.

Other Perks

  • 25% savings on in-flight food and beverage purchases on American Airlines flights
  • 10% discount on eligible American Airlines Vacations purchases

The Citi AAdvantage family

Sources and methodology

First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.

Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.

The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.

Recent changes

  • changed from null to AAdvantage MileUp
    Oct 8, 2026
  • changed from 15K AA miles + a $100 statement credit after $500 spend in the first 3 months to 15K AA miles + a $100 statement credit after $500 spend in the first 3 months + $100 cash back
    Oct 3, 2026
  • changed from 15K AA miles + a $100 statement credit after $500 spend in the first 3 months + $100 cash back to 15K AA miles + a $100 statement credit after $500 spend in the first 3 months
    Oct 3, 2026
  • changed from 15K AA miles + a $100 statement credit after $500 spend in the first 3 months to 15K AA miles + a $100 statement credit after $500 spend in the first 3 months + $100 cash back
    Sep 30, 2026
  • changed from 15K AA miles + a $100 statement credit after $500 spend in the first 3 months + $100 cash back to 15K AA miles + a $100 statement credit after $500 spend in the first 3 months
    Sep 30, 2026
  • changed from 15K AA miles + a $100 statement credit after $500 spend in the first 3 months to 15K AA miles + a $100 statement credit after $500 spend in the first 3 months + $100 cash back
    Sep 30, 2026
  • changed from 15K AA miles + a $100 statement credit after $500 spend in the first 3 months + $100 cash back to 15K AA miles + a $100 statement credit after $500 spend in the first 3 months
    Sep 30, 2026
  • changed from 15K AA miles after $500 spend in the first 3 months to 15K AA miles + a $100 statement credit after $500 spend in the first 3 months + $100 cash back
    Sep 30, 2026
  • changed from null to Can downgrade: false; Can upgrade: true; Family id: citi_aadvantage; Family name: Citi AAdvantage; Is top tier: false; Siblings: Slug: aadvantage-platinum-select-world-elite-mastercard; Tier: 2; Tier name: Platinum Select; Slug: aadvantage-globe-mastercard; Tier: 3; Tier name: Globe; Slug: aadvantage-executive-world-legend-mastercard; Tier: 4; Tier name: Executive; Tier: 1; Tier name: MileUp
    Sep 26, 2026
  • changed from null to 500
    Aug 13, 2026
  • changed from null to 90
    Aug 13, 2026
Last updated: October 17, 2026