American Airlines AAdvantage® MileUp® Card
No annual fee · 1x on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 2x | uncapped |
| Everything else | 1x | uncapped |
| Flights at American Airlines only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
2x | uncapped |
See how it ranks: best groceries cards.
Signup bonus: 15,000 points after $500 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.
Non-cash perks
- 25% savings on inflight food and beverage purchases on American Airlines flights
- No mileage earning cap
- 1 Loyalty Point per eligible AAdvantage mile earned toward AAdvantage status
- Add Authorized Users at no additional cost
- The only Citi/AAdvantage card with no annual fee
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning 1.4¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
Comparing cards in the same currency? See the best cards that earn AAdvantage miles →
More from Citi
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.aa.com. Spot an error? Tell us.