Your Best Credit Cards
Your Best Credit Cards

Citi recently launched this card which has replaced the “Bronze” card as the fee-free card in the Citi / AAdvantage portfolio.

The signup bonus is 10,000 miles and a $50 statement credit with a $500 in 3 months Minimum Spend Requirement for the bonus miles.

The card earns 2x miles at grocery stores and AA purchases, 1 mile per dollar anywhere else, 25% off inflight food and drink purchases, and… that’s it.

My Opinion

If you have a Citi AA card with an annual fee, the fee came due, customer service / retentions won’t waive the fee, and you still want to keep an AAdvantage earning option (since neither Chase, nor Citi, nor Amex points will transfer there), this is a good card to downgrade to.

Some people spend quite a lot at grocery stores and this is an uncapped 2% there. Someone in that category could do quite well there.

I don’t *believe* doing so will reset the Citi 1/24 rule clock, though it may. So if you were looking for a new signup bonus, you’d want to first open the new AAdvantage card and then downgrade this one after. Make sure you know when your fee will hit and plan accordingly – and not less than 24 months from your last account opening or closing.

I suppose the card could also be OK for someone who wants a way to earn AAdvantage miles with a credit card and simply won’t pay an annual fee – but in that case the better path would be to apply for a Citi AAdvantage Platinum Select card for a 60,000 or 70,000 mile signup offer, with the fee waived the first year, and then downgrade to the MileUp in a year.

Update: DoC is reporting that Citi is (inexplicably) counting MilesUp as a separate product family. If so you could earn the bonus regardless of other cards, though it’s still a small bonus and a hard pull. Awaiting more data points there.

What to you think of the MileUp card? Let me know here, on Twitter, or in the private MilesTalk Facebook group.

Your Best Credit Cards
Your Best Credit Cards

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