American Airlines AAdvantage® MileUp Card
No annual fee. Purchase APR 19.74 –29.74 %, variable.
- Annual fee
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pageciti.com
“The standard variable APR for purchases and balance transfers is 19.74 % - 29.74 %, based on your creditworthiness.”
- Foreign transaction fee
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $155 | $155 |
| Typical spender | $370 | $370 |
| Heavy spender | $770 | $770 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 80% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · American Airlines AAdvantage®
- 2× mileseligible American Airlines purchases
- 2× milesgrocery stores, including grocery delivery services
- 1× milesEverything else
Rates and fees
| Annual fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pageciti.com “The standard variable APR for purchases and balance transfers is 19.74 % - 29.74 %, based on your creditworthiness.” |
| Balance transfer APR | Issuer's pageciti.com “The standard variable APR for purchases and balance transfers is 19.74 % - 29.74 %, based on your creditworthiness.” |
| Balance transfer fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer's pageciti.com “The variable APR for cash advances is 29.99 %.” |
| Cash advance fee | Issuer's pageciti.com “Cash advance fee - either $ 10 or 5 % of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Issuer's pageciti.com “The variable Penalty APR is up to 29.99 % and may be applied if you make a late payment or make a payment that is returned.” |
| Foreign transactions | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Issuer's pageciti.com “Minimum interest charge is $ 0.50 .” |
Carrying a balance? See how long it takes to pay off
Benefits
- Statement credit welcome offer: $100 one time
- The first checked bag is not free.
- No lounge access.
- 25% savings on inflight food and beverage purchases when using the card on American Airlines flights.
- Earn 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases.
- AAdvantage miles can be redeemed for flights to nearly 1,100 destinations worldwide on American Airlines, oneworld and partner airlines, as well as seat upgrades, car rentals, hotel stays, vacation packages and more.
- No blackout dates when booking with miles.
- Preferred boarding is not included.
- Complimentary premium cabin upgrades, complimentary Main Cabin Extra and Preferred Seats, and same-day standby priority may be available to status members; benefits vary by status tier.
- Other
Questions
Other miles cards with no annual fee
- Capital One VentureOne BusinessCapital One · No annual fee+$80 a year
- VentureOne RewardsCapital One · No annual fee+$5 a year
- VentureOne Rewards for Good CreditCapital One · No annual fee+$5 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).