Compare AA Credit Cards Side-By-Side | The Point Calculator

Compare AA Credit Cards

American Airlines Credit Card Comparisons

Calculate total AAdvantage Miles and compare American Airlines credit cards side by side based on your spend with AA, card benefits, and annual fees.


American Airlines has a total of seven credit cards which consists of 5 credit cards offered by CitiBank and 2 credit cards offered by Barclays. All of the card earns AAdvantage Miles per $1 spent and several cards grant additional perks and benefits.

You can use this page to compare American Airlines credit cards side-by-side against each other. If you're looking to compare any of the cards below against credit cards outside of American Airlines, you'll need to jump over to that card's AAdvantage Miles Calculator.

Barclays AA Cards

Barclays offers one American Airlines personal card and one American Airlines business card. Both cards are great options for those that enjoy flying AA.

Aviator Red

The Aviator Red is an entry-level credit card that is similar to Citi's AAdvantage Platinum Select Card.

Aviator Red Benefits:

  • 2x AAdvantage Miles on AA spend
  • First Checked Bag Free
  • Anniversary Companion Certificate w/ $20,000 Spend
  • Preferred Boarding
  • 25% Off In-Flight Food & Beverage
  • Annual $25 In-Flight Wi-Fi Credits

The Aviator Red offers a solid standard sign up bonus of around 60,000 AAdvantage Miles and an introductory Companion Certificate for a companion to fly with you at $99 (plus taxes/fees) which makes it a very appealing card. It has a $95 annual fee.

Aviator Business Card

The Aviator Business Card is Barclay's AAdvantage business card that is similar to the CitiBusiness Platinum Select Card.

Aviator Business Card Benefits:

  • 2x Miles On AA Spend
  • 2x Miles On Office Supply Stores Spend
  • 2x Miles On Telecommunication Spend
  • 2x Miles On Rental Car Spend
  • First Checked Bag Free
  • Preferred Boarding
  • 25% Off In-Flight Food & Beverage
  • Annual Companion Certificate w/ $30,000 Spend
  • 5% AAdvantage Mileage Bonus
  • Earn EQDs w/ $25k Spend

The Aviator Business Card is great for any business that wants to earn AA miles spending across business-travel categories. The card also offers an annual companion certificate that is good for 1 guest to travel for $99. The ability to earn an $3,000 Elite Qualifying Dollars (EQDs) with $25,000 in spend per calendar year is also a nice touch for the businesses (or individuals) that can reach such.

The Barclays Aviator Red is a great entry-level AA credit card.

Citi AA Cards

Citi offers five American Airlines credit cards which consists of four personal cards and one business card.

Executive Card

The Executive Card is AA's premium-luxury travel card. It has a $450 annual fee, but comes loaded with benefits that can be worth it for those who want all the perks when flying American Airlines.

Executive Card Benefits:

  • 2x Miles On AA Spend
  • Admiral Club Access
  • Global Entry/PreCheck Credit
  • EQM/Miles Boost with Heavy Spend
  • 25% Off In-Flight Food & Beverage
  • First Checked Bag Free
  • AA Priority Perks
  • AA Reduced Mileage Awards

The main selling point of this card is the Admirals Club membership which would normally cost you around $400. The pricing of the Executive Card is in line with other premium airline cards such as the Delta Reserve AMEX and United MileagePlus Club Card.

Platinum Select Card

The Platinum Select Card is Citi's entry level card for those looking to earn great benefits when flying American Airlines. The card is comparable to Barclay's Aviator Red card which offers many of the same benefits.

Platinum Select Benefits:

  • 2x Miles On AA Spend
  • 2x Miles On Restaurant Spend
  • 2x Miles On Gas Station Spend
  • First Checked Bag Free
  • Preferred Boarding
  • 25% Off In-Flight Food & Beverage
  • $125 AA Flight Discount

If you're trying to decide between Citi's Platinum Select and Barclay's Aviator Red, you will need to weigh the benefits of the $125 Flight Discount and extra bonus categories against the annual companion certificate.

aa credit card benefits
Most of the AA credit cards feature great perks such a free checked bag, preferred boarding, and savings on in-flight purchases!

MileUp Card

The MileUp Card is a no-annual fee AA credit card offered by CitiBank. It's great for anyone looking to earn AAdvantage Miles on grocery purchases.

MileUp Benefits:

  • 2x Miles On AA Spend
  • 2x Miles On Grocery Spend
  • 25% Off In-Flight Food & Beverage

If you're looking for a fee free AA credit card or want to downgrade a higher tier AA credit card, this is the best option.

Gold Card

The Gold Card is another no-annual fee AA credit card offered by Citi. Unlike the other AA credit cards, it has no bonus categories and has almost no benefits.

Gold Benefits:

  • 1x All Spend
  • 25% Off In-Flight Food & Beverage

If you're only going to use the card for in-flight purchases of food and beverages only, this is not a bad card to have.

CitiBusiness Platinum Select Card

The CitiBusiness AAdvantage Platinum Select is Citi's AA business card. It's an alternative to Barclay's Aviator Business Card and features benefits that are similar to the personal AA Platinum Select Card.

CitiBusiness Platinum Select Benefits:

  • 2x Miles AA Spend
  • 2x Cable/Satellite Spend
  • 2x Gas Spend
  • 2x Telecommunications Spend
  • 2x Rental Car Spend
  • First Checked Bag Free
  • Preferred Boarding
  • Companion Certificates w/ $30,000 Spend
  • 10% Discount on AA Vacations
  • 25% Off In-Flight Food & Beverage
  • 25% Off In-Flight Wi-Fi

The benefit that stands out most on this card is the 25% off in-flight Wi-Fi which can be a big thing if you frequently pay for Wi-Fi flying American Airlines.

Comparing the AA business cards, there's slight differences in the bonus categories along with some perks specific to each card such as the WiFi & AA Vacations discount on the CitiBusiness Card and the mileage bonus & EQD earning on Barclay's AA business card.

Rewards and Card Value Comparison Calculator

You can use this rewards comparison calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the cards based on rewards earned and how much each benefit is worth to you minus the fees. You'll be able to change the cards in both columns with this calculator.

All category spend entered in the first column will carry over to all credit card pages on the site. This means you don't have to re-enter the same information over again. You can use the Copy functions under the Options menu within the Categories & Bonuses section.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
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Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
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Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
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Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-03-23
Article By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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