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Credit Card Rewards Wizard: Discover the Best Credit Card Reward Deals

Note: The default US Consumer Monthly Expenditure Amount refer to Consumer Expenditure Survey (CE) program

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Total you spend per month:	$	Gas Stations:	$
Restaurants:	$	Supermarkets and Drug Stores:	$
Convenience Stores:	$	Warehouse Clubs or Featured Stores:	$
Utilities (including TV):	$	Phone and Internet:	$
Wireless Phone Services:	$	Home Improvement Stores:	$
Airlines, Hotels, Cruises, and Tours:	$	Auto/Vehicle Rentals:	$
Book/Music/Video Stores, Movies:	$	Office Supply Stores:	$
Tax, Accounting, and Legal Services:	$	Web Advertising and Hosting:	$
Computer and Electronics Stores:	$	U.S. Postal Services:	$

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Citi® Platinum Select® / AAdvantage® World MasterCard® Rewards Earning Details

Estimated Monthly Spent Summary:

U.S. Postal Services: $12
Auto/Vehicle Rentals: $157.5
Phone and Internet: $78.7
Utilities (including TV): $154.4
Supermarkets and Drug Stores: $242.2
Restaurants: $166.5
Gas Stations: $165.2
Total you spend per month: $1284.95

Annually Spent in Total: $15419.4

Gas Rewards

$1,982.40 * 1.00 point(s) = $1,982

Total Other Points Earning in 12 month(s): 1,982 mile(s)

Restaurant Rewards

$1,998.00 * 1.00 point(s) = $1,998

Total Other Points Earning in 12 month(s): 1,998 mile(s)

Foodndrug Rewards

$2,906.40 * 1.00 point(s) = $2,906

Total Other Points Earning in 12 month(s): 2,906 mile(s)

Utility Rewards

$1,852.80 * 1.00 point(s) = $1,853

Total Other Points Earning in 12 month(s): 1,853 mile(s)

Telecom Rewards

$944.40 * 1.00 point(s) = $944

Total Other Points Earning in 12 month(s): 944 mile(s)

Autorental Rewards

$1,890.00 * 1.00 point(s) = $1,890

Total Other Points Earning in 12 month(s): 1,890 mile(s)

Postal Rewards

$144.00 * 1.00 point(s) = $144

Total Other Points Earning in 12 month(s): 144 mile(s)

Other Rewards

$3,701.40 * 1.00 point(s) = $3,701

Total Other Points Earning in 12 month(s): 3,701 mile(s)

Bonus: 15000 bonus mile(s) when the first time using the Card

Total Estimated Points Earnings Annually: 30,419 mile(s)

Citi® Platinum Select® / AAdvantage® World MasterCard® Review:

The Citi® Platinum Select® / AAdvantage® World MasterCard®, one of several Citi® AAdvantage® credit cards offered by Citibank, is designed for those with very good credit who travel regularly on American Airlines.

Through the reward program, cardholders earn one mile for every dollar spent on the card. Miles can be redeemed for hotel stays, car rentals, and free travel via American Airlines and participating partners. The card has a maximum of 100,000 miles that can be accumulated each year; however, Advantage Executive Platinum®, AAdvantage Platinum®, and AAdvantage Gold® members are excluded from this limit. Miles have no expiration as long as there is account activity at least once every three years.

At first glance, it may be difficult to distinguish between all of the Citi® AAdvantage® credit cards due to their close similarities. This platinum card has minor differences such as it offers 25,000 AAdvantage® bonus miles after you make $750 in purchases within 4 months and it has no 'pre-set spending limit', which simply means that cardholders can occasionally exceed their credit limit based on their payment history and credit.

The APR for purchases is above average for a reward card. The annual fee of $85 is slightly high, but it is waived for the first year. In addition, there is a minimum cap of 19.99% for cash advances, so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.

However, cardholders can expect several platinum benefits such as up to $1,000,000 in travel accident insurance, auto rental insurance, and lost and stolen card reporting. This card also offers cardholders travel to select destinations for reduced miles.

Therefore, those who can afford to pay in full each month (to avoid finance charges), do not plan to spend more than $100,000 on the card a year (due to the yearly limit on miles), and will be able to earn a free ticket within a one-year period (due to the high annual fee after the initial free year) will benefit most from what the Citi® Platinum Select® / AAdvantage® World MasterCard® has to offer.

(Review Updated: May 05, 2008)

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