Citi
Citi / AAdvantage Platinum Select World Elite Mastercard
Estimated value every year on typical spending
$396/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi / AAdvantage Platinum Select World Elite Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $396 a year on typical spending.
The fine print
- Intro APR
- Not applicable
- Regular APR
- Not listed
- Foreign fee
- None
- Top perk
- Free checked bag on domestic American Airlines itineraries
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 2 AAdvantage® miles for every dollar spent at gas stations and restaurants and on eligible American Airlines purchases and 1 AAdvantage® mile for every dollar spent on all other purchases
Sign-up bonus
Not specified
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
- Thin or new credit files
Trade-offs: Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not applicable
- Regular APR
- Not listed
- Balance transfer fee
- Either $ or % of the amount of each transfer, whichever is greater
- $400/mo on dining earns about $106/year (2.2x).
- $1200/mo on everyday spending earns about $158/year (1.1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Citi / AAdvantage Platinum Select World Elite Mastercard: questions people ask
Is the Citi / AAdvantage Platinum Select World Elite Mastercard worth it?
With no annual fee, the Citi / AAdvantage Platinum Select World Elite Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $396 a year on typical spending.
What is the Citi / AAdvantage Platinum Select World Elite Mastercard annual fee?
The Citi / AAdvantage Platinum Select World Elite Mastercard has no annual fee ($0).
What does the Citi / AAdvantage Platinum Select World Elite Mastercard earn?
2 AAdvantage® miles for every dollar spent at gas stations and restaurants and on eligible American Airlines purchases and 1 AAdvantage® mile for every dollar spent on all other purchases.
What credit score do you need for the Citi / AAdvantage Platinum Select World Elite Mastercard?
The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Citi / AAdvantage Platinum Select World Elite Mastercard charge foreign transaction fees?
No. The Citi / AAdvantage Platinum Select World Elite Mastercard has no foreign transaction fee.
Compare Citi / AAdvantage Platinum Select World Elite Mastercard
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.