American Airlines AAdvantage® MileUp® Card
Citi
No Annual Fee
Annual Fee
mastercardGoodairlineno-annual-fee6 months ago
Welcome Offer
15,000 pts(≈ $248)Spend $500 within 3 months
OpenCard analysis
Is the American Airlines AAdvantage MileUp Card right for you?
The American Airlines AAdvantage MileUp is a no-annual-fee American Airlines AAdvantage card from Citi. Its strongest everyday earning is 2x on American Airlines Purchases, with 1x on most other purchases. With no fee, the question is simply whether 2x on American Airlines Purchases beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on American Airlines Purchases, where it earns 2x
- ✓ Regular American Airlines AAdvantage customers who will redeem with that program
- ✓ Anyone who wants American Airlines Purchases rewards without paying an annual fee
Who should skip it
- — People with no loyalty to American Airlines AAdvantage
- — Heavy spenders outside American Airlines Purchases — everything else earns 1x
First-year value estimate
Welcome bonus
$248
Rewards on spending
$248
Annual fee (year 1)
−$0
Year 1, before credits
$496
Year two, without the welcome bonus: about $248 before credits ($248 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in American Airlines Purchases (2x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
- Rewards valued at 1.65¢ per American Airlines AAdvantage (OpenCard valuation; cash-out value can be lower).
- Welcome bonus: 15,000 American Airlines AAdvantage at 1.65¢ each (OpenCard valuation) ≈ $248.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.
How it compares
Amex Delta Blue →
American Express, same $0 annual fee; earns 2x on Delta Purchases.
JetBlue →
Barclays, same $0 annual fee; earns 3x on JetBlue purchases.
United Gateway →
Chase, same $0 annual fee; earns 2x on Gas Stations.
Rules and gotchas
- The welcome bonus requires $500 in 3 months — roughly $167 a month. That fits inside the $1,000 a month in our illustration.
Frequently asked questions
- Does the American Airlines AAdvantage MileUp have an annual fee?
- No. Our record lists a $0 annual fee for the American Airlines AAdvantage MileUp.
- What does the American Airlines AAdvantage MileUp earn?
- 2x on American Airlines Purchases, 2x on Grocery Stores, and 1x on other purchases.
- Is the American Airlines AAdvantage MileUp worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in American Airlines Purchases), the first year comes out around $496 before credits, including a welcome bonus valued at $248. Year two drops to about $248 before credits.
- What credit do I need for the American Airlines AAdvantage MileUp?
- Our record lists "Good" credit as the typical target for the American Airlines AAdvantage MileUp. Citi makes the final decision based on its own criteria.
Earning Rates
2×American Airlines PurchasesEarn 2 AAdvantage miles per $1 on American Airlines purchases
2×Grocery StoresEarn 2 AAdvantage miles per $1 at grocery stores
1×All Other PurchasesEarn 1 AAdvantage mile per $1 on all other purchases
Other Benefits
Other Benefits
5% Miles Redemption Discount
Receive a 5% AAdvantage miles discount on award redemptions
No Mileage Cap
No limit on the number of miles you can earn
Insurance
Rental InsuranceSecondary
Extended Warranty
Sources
- https://creditcards.aa.com/credit-cards/citi-mileup-card-american-airlines-direct/
- https://www.forbes.com/advisor/credit-cards/reviews/american-airlines-aadvantage-mileup-card/
- https://www.dailydrop.com/credit-cards/american-airlines-aadvantage-mileup
Last Updated: Apr 16, 2026