Citi AAdvantage MileUp
Citi · Mastercard · no annual fee · earns American AAdvantage, valued at 1.45¢ a point.
Rates checked against the issuer 2026-10. Foreign transaction fee: not recorded here.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $471, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $471 a year on the illustrative household's spending, which puts it number 21 of 46 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 2x | American Airlines only · American Airlines purchases only |
| Groceries, Grocery Delivery | 2x | Grocery stores, including grocery delivery services |
| Everything else | 1x |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $174 |
| Everything Else | $87 |
| Restaurants & Bars | $52 |
| Gas Stations | $26 |
| Online Shopping | $26 |
| Utilities | $26 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- 25% off inflight food and beverage purchases on American Airlines
Similar cards
- American Express Delta SkyMiles Blue — annual fee none
- Chase United Gateway — annual fee none
- Bank of America Atmos Rewards Ascent Visa Signature — annual fee $95 a year
- Citi AAdvantage Platinum Select — annual fee $99 a year
- Every airline card, ranked
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.