American Airlines AAdvantage® MileUp® Mastercard®
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The American Airlines AAdvantage® MileUp® Mastercard® from Citi earns up to 3% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn 15,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.
- Top category
- Grocery
- Effective value
- 3%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
What does the American Airlines AAdvantage MileUp Mastercard earn in each category?
Grocery is the strongest category at 3% effective value (2x miles at about 1.5 cents each). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how American Airlines AAdvantage MileUp Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
Grocery is the strongest category at 3% effective value (2x miles at about 1.5 cents each). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how American Airlines AAdvantage MileUp Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x miles | 1.5% |
| Grocery Supermarkets and grocery stores | 2x miles | 3% Top category |
| Gas Gas stations and fuel | 1x miles | 1.5% |
| Travel Flights, hotels, transit | 1x miles | 1.5% |
| Other General everyday spend | 1x miles | 1.5% |
Madeen values American AAdvantage at about 1.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the American Airlines AAdvantage MileUp Mastercard reward caps and conditions?
The American Airlines AAdvantage MileUp Mastercard has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services, and eligible American Airlines purchases.
Who should get the American Airlines AAdvantage MileUp Mastercard?
The American Airlines AAdvantage MileUp Mastercard fits spenders who put meaningful volume in grocery and can earn 2x miles. Best for spenders who put meaningful volume in grocery and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
American Airlines AAdvantage MileUp Mastercard fits spenders who put meaningful volume in grocery and can earn 2x miles. Madeen ranks its grocery effective rate higher than about 97% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 3% effective (2x miles).
- That grocery rate ranks higher than about 97% of cards we track in the category.
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- American AAdvantage value depends on how you redeem, not straight cash back.
What is the American Airlines AAdvantage MileUp Mastercard welcome bonus?
In Madeen's catalog snapshot, the American Airlines AAdvantage MileUp Mastercard welcome offer is Earn 15,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page.
- Offer
- $50
- Terms (catalog snapshot)
- Earn 15,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
- Minimum spend
- $500
- Window
- 3Months
Does the American Airlines AAdvantage MileUp Mastercard have an annual fee?
The American Airlines AAdvantage MileUp Mastercard has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the American Airlines AAdvantage MileUp Mastercard?
The American Airlines AAdvantage MileUp Mastercard includes 25% Savings on Inflight Food and Beverage, Extended Warranty, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrGet an extra 24 months added to your warranty when you purchase items at least in part with your Citi card and/or ThankYou® Points. If your eligible item breaks, we’ll repair, reimburse or replace it, up to the amount charged on your Citi card and/or ThankYou® Points or up to $10,000 per item, whichever is less.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
25% Savings on Inflight Food and Beverage
$25/yrEnjoy 25% savings on food and beverage purchases when you use your card on American Airlines flights.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
HELP KEEP YOUR IDENTITY SAFE
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
Related encyclopedia topics
Common questions about the American Airlines AAdvantage MileUp Mastercard
Where do cardholders spend most with the American Airlines AAdvantage MileUp Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (2x) for the American Airlines AAdvantage MileUp Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
How much is 50,000 American Airlines miles worth?
Grocery is the strongest Madeen category for the American Airlines AAdvantage MileUp Mastercard at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does AA MileUp card have an annual fee?
The American Airlines AAdvantage MileUp Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
Does the American Airlines AAdvantage MileUp Mastercard have an annual fee?
The American Airlines AAdvantage MileUp Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the American Airlines AAdvantage MileUp Mastercard?
Grocery is the strongest Madeen category for the American Airlines AAdvantage MileUp Mastercard at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the American Airlines AAdvantage MileUp Mastercard charge foreign transaction fees?
The American Airlines AAdvantage MileUp Mastercard charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
How does the American Airlines AAdvantage MileUp Mastercard compare to similar cards?
Compare the American Airlines AAdvantage MileUp Mastercard against Citi Dividend (5% on Grocery, $0 fee); AllModern Mastercard (3% on Grocery, $0 fee); Birch Lane Mastercard (3% on Grocery, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
American Airlines AAdvantage MileUp Mastercard This card | Grocery | 3% | $0 |
Citi | Grocery | 5% | $0 |
| Grocery | 3% | $0 | |
| Grocery | 3% | $0 | |
| Grocery | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure