| Rewards | 4X American Airlines AAdvantage® miles on eligible American Airlines purchases (boosts to 5X after $150,000 spent in a calendar year). 10X AAdvantage miles per $1 on eligible car rentals and hotels booked through aa.com/cars and aa.com/hotels. 1X mile per $1 on all other purchases. Loyalty Point bonuses: 10,000 bonus Loyalty Points after earning 50,000 and another 10,000 after earning 90,000 in a status qualification year. |
|---|---|
| Signup Bonus | Generally: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening. Limited-time offer: Some promotions feature 100,000 bonus miles after spending $10,000 in the first 3 months. |
| Annual Fee | $595 per year for the primary cardholder. $175 annual fee for up to three authorized users and $175 for each additional authorized user. |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.99% APR |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $41 |
| Purchases APR | 20.99%?–?29.99% based on your creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
rewards, especially for frequent flyers. With a $595 annual fee, it’s not cheap, but it offers Admirals Club lounge access, free checked bags, priority boarding, and a generous signup bonus of 70,000–100,000 AAdvantage miles depending on current offers. Most users say it’s a great way to earn miles quickly while enjoying airline perks.
Cardholders frequently praise the lounge access and companion benefits, noting that the free checked bags alone can offset part of the annual fee for regular travelers. Many reviewers mentioned the accelerated miles on AA purchases and the welcome bonus as highlights.
Complaints usually center on the high annual fee and the steep APR if balances are carried. Some users feel the value drops sharply if you don’t fly American Airlines often, and a few mentioned that the rewards on non-AA purchases feel minimal.
Personally, I think this card is worth it only for frequent AA flyers who take advantage of the lounges and travel perks. If you’re not regularly flying AA, the annual fee might outweigh the benefits, and a lower-fee card could provide better value.
This card gives admirals club access, making airport travel more comfortable. It earns miles quickly on American Airlines purchases and offers priority boarding. While the annual fee is high, the perks offset the cost for frequent flyers. For loyal travelers, it's a strong premium choice
I use the lounge access and collect miles quickly. This card makes travel easier and more comfortable.