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American Airlines AAdvantage® MileUp® Review [2024]: Decent Starter Card for American Loyalists

If you’d like to test out a co-branded airline card with a $0 annual fee, the AAdvantage MileUp card is a decent option, offering a path to elite status and bonus miles on American purchases. (Citi is a FinanceBuzz partner.)

Updated Oct. 23, 2024
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American Airlines AAdvantage® MileUp®

American Airlines AAdvantage® MileUp®
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OUR VIEW

The American Airlines AAdvantage® MileUp®(Rates and fees), issued by Citi, is a decent $0-annual-fee option for folks who enjoy flying American Airlines. However, the benefits are limited, and if you tend to fly on the airline more than once or twice a year, you’ll get more value out of one of the other co-branded American cards.

A perk that’s relatively rare on a card at this price point, the AAdvantage MileUp card offers a path to elite status. You can earn one Loyalty Point for every eligible mile you earn on your purchases. It takes 15,000 loyalty points to get some minor benefits like five preferred seat coupons or Group 5 boarding for a year. At 40,000 loyalty points, you’ll earn AAdvantage Gold elite status. You’d have to spend a lot on your card to reach this threshold, but it is definitely a way to get much better value than what the basic card offers.

Pros

$0 annual fee
Earns Loyalty Points for American Airlines elite status
25% back on in-flight food and beverage purchases

Cons

No travel or purchase protection
3% foreign transaction fee
No checked bag benefit
How we evaluate products

American Airlines AAdvantage MileUp overview

American Airlines is one of the biggest U.S. airlines, offering flights anywhere in the world. As a member of the Oneworld alliance, you can also use your American miles on other airlines in the alliance, like British Airways, Iberia, and more. If you are looking for a way to accumulate a solid number of miles in a short amount of time while receiving some airline-specific perks, you can consider applying for a co-branded credit card. American Airlines has several options, including the $0-annual-fee American Airlines AAdvantage® MileUp®.

As a cardholder, you can enjoy benefits like 25% savings on in-flight food and beverage purchases and the ability to earn one loyalty point per eligible mile you earn on purchases. Unfortunately, the benefits of being a cardholder pretty much end there. You won’t get any airport perks like priority boarding or a free checked bag.

The earning potential isn’t highly lucrative, as the most you’ll earn is 2X miles per dollar. To accumulate enough miles for a long-haul award redemption, you will have to spend a lot of money on the card. With such low earnings, you might not want to spend much on your card and instead use a card with a better earning potential.

AAdvantage MileUp card basics

FinanceBuzz star ratings
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FinanceBuzz valuation1 Year 1: $1,051

Year 2: $837

Annual Fee $0
Welcome Bonus Earn 15,000 American Airlines AAdvantage® bonus miles after making $1000 in purchases within the first 3 months of account opening
Rewards 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services; 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases; and 1 AAdvantage® mile for every $1 spent on other purchases
Recommended Credit Score Excellent, Good
Foreign Transaction Fee 3%

AAdvantage MileUp rewards

The earning structure on the AAdvantage MileUp card is simple — 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services; 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases; and 1 AAdvantage® mile for every $1 spent on other purchases. Unfortunately, this isn’t the most rewarding program on earth, but you can’t expect high bonus category earnings on a card with a $0 annual fee.

Currently, you can earn 15,000 American Airlines AAdvantage® bonus miles after making $1000 in purchases within the first 3 months of account opening. This is an easy way to earn a chunk of miles you can use on your next flight.

When it comes time to redeem your miles, you have a few options. The main draw of having an airline credit card is to redeem your miles for award travel, which is the best use of your AAdvantage miles. Your miles can also be used for business and first class upgrades, car rentals, hotel stays, vacation packages, and more.

Earning and redeeming AAdvantage rewards

Potential earnings in years one and two

Here's a look at how your rewards can add up with the American Airlines AAdvantage® MileUp®. To calculate these values, we used a point valuation of 1.77 cents each.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $1,051

Year two earnings: $837

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model which takes a look at points earned via spending and the welcome bonus.

Best ways to earn

Like most airline credit cards, one of the most effective ways to quickly earn points with the American Airlines AAdvantage MileUp Card is through purchases eligible for bonus rewards points. Cardholders earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services; 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases; and 1 AAdvantage® mile for every $1 spent on other purchases.

Eligible American Airlines purchases include direct purchases made through American Airlines’ website, reservation phone line, ticket counters, and American Airlines Admirals Club.

Categories Rewards rate
Grocery stores (including grocery delivery services) and eligible American Airlines purchases 2X
All other purchases 1X

Maximizing your redemptions

The American Airlines AAdvantage MileUp Card offers a handful of redemption choices for its cardholders. The main draw of having an airline credit card is to redeem your miles for award travel, and this is indeed the best use of your AAdvantage miles. Your miles can also be used for upgrades on American Airlines flights as well as partner flights on British Airways and Iberia.

Beyond free flights, your AAdvantage miles can be used for other redemptions. These include car rentals, hotel reservations, vacation packages, Admirals Club membership, gift cards and other products, and Lifelock identity theft protection. You can even donate your miles to various charities if you desire.

AAdvantage MileUp Card benefits

  • In-flight savings: When you fly American Airlines, you can use your card to get 25% off of in-flight food and beverage purchases.
  • Path to elite status: Earn one Loyalty Point per one eligible mile earned from purchases. Loyalty Points can help you achieve elite status with American Airlines, among other benefits.

Other cards to consider

Citi® / AAdvantage® Executive World Elite Mastercard®

The Citi® / AAdvantage® Executive World Elite Mastercard® is a more robust overall travel credit card for loyal American Airlines travelers. It has a 70,000-mile welcome bonus (after spending $7,000 in the first 3 months) of account opening and earns 4X miles on eligible American Airlines purchases (after spending $150,000 per calendar year this goes up to 5X for the remainder of the calendar year).

With this card, the first checked bag is free on domestic American Airlines travel for you and up to eight companions. You’ll also receive priority boarding on all American Airlines flights. The Citi / AAdvantage Executive World Elite does have an annual fee of $595.

Learn more in our Citi / AAdvantage Executive World Elite review.

Capital One VentureOne Rewards Credit Card

If you’re looking for a good travel credit card that isn’t tied to a specific airline, check out the Capital One VentureOne Rewards Credit Card. It has a $0 annual fee, and you can earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening.

The VentureOne Rewards Credit Card also earns unlimited 5 miles per dollar spent on hotels and rental cars booked through Capital One Travel. This card is one of the best no-annual-fee travel credit cards available.

Learn more in our VentureOne Rewards review.

Who should get the AAdvantage MileUp card?

The American Airlines AAdvantage® MileUp®(Rates and fees) is best for occasional travelers seeking a path to elite status and bonus miles on American purchases. Although the card's perks and earning potential are relatively limited, if you utilize it effectively, you could still find value in it.

If you’re a more frequent traveler, other American Airlines credit cards like the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® are better suited for those who would benefit from free checked bags and priority boarding. Additionally, if you aren’t tied to American Airlines, many great general travel rewards cards or cash back cards can provide more value. International travelers will not enjoy this card, as it charges foreign transaction fees. These can quickly add up, making international travel 3% more expensive.

FAQs

Do you get priority boarding with the AAdvantage MileUp Card?

No. Unfortunately, the American Airlines AAdvantage MileUp Card doesn’t provide any special boarding privileges.

Can you use the American Airlines AAdvantage MileUp Card anywhere?

The American Airlines AAdvantage MileUp Card is a Mastercard, which means it is widely accepted around the world. However, it does charge a 3% foreign transaction fee on purchases made outside the U.S.

How many miles do you need for a free flight on American?

To earn a free flight on American Airlines, you’ll need a minimum of 7,500 miles for a main cabin flight to the contiguous 48 U.S. states and Canada. You can reach Europe for as little as 25,000 miles or Asia for 35,000 miles.

Do the American Airlines miles I earn with the AAdvantage MileUp Card expire?

American Airlines miles don’t expire as long as your account is open.

What is the best American Airlines credit card?

The best American Airlines credit card depends on your specific needs and what you want in a credit card. When choosing a credit card, analyze your spending habits to ensure you earn the most on your regular purchases. Also, determine which benefits are more important to you — do you want access to the Admirals Club, or do you want to keep an annual fee low? The best American Airlines credit card is personalized to your needs and preferences.

Earn American Airlines AAdvantage® miles

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American Airlines AAdvantage® MileUp®

Current Offer

Earn 15,000 American Airlines AAdvantage® bonus miles after making $1000 in purchases within the first 3 months of account opening

Annual Fee

$0

Rewards Rate

2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services; 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases; and 1 AAdvantage® mile for every $1 spent on other purchases

Benefits and Drawbacks
Card Details