💳 Citi · Mastercard

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Travel Benefits Guide 2026

$99
Annual Fee
Lounge Access
Secondary
Rental Coverage
None
Foreign Tx Fee

📌 At a Glance: Top Travel Perks

Travel Benefits Breakdown

Here's exactly what you get — and what you don't — when you use the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® for travel.

✈️ Lounge Access

This card does not include airport lounge access. Consider upgrading to a premium card or purchasing a Priority Pass membership separately.

🛂 Global Entry / TSA PreCheck Credit

No Global Entry or TSA PreCheck credit on this card.

⏱️ Trip Delay Insurance

Not included on this card. If your flight is delayed, you'll pay out of pocket for meals and hotels.

🚫 Trip Cancellation & Interruption

Not included on this card. If you need to cancel a non-refundable trip, you won't be reimbursed through this card.

🧳 Baggage Insurance

No lost or delayed baggage coverage on this card. Airline compensation is your main recourse.

🏥 Emergency Medical & Evacuation

No dedicated emergency medical or evacuation benefit. Citi Concierge can assist with referrals.

🚗 Rental Car Insurance

Secondary coverage — you must file with your personal auto insurance first, then this card covers the remainder.

Covers: collision damage, theft

Excludes: liability, personal injury

Eligible countries: US and most international destinations.

Auto rental insurance — secondary coverage. File with personal auto insurance first. Must decline rental company CDW.

🌍 Foreign Transaction Fees

No foreign transaction fees — use this card internationally without paying an extra 2–3% on every purchase.

Rewards Structure

1x AAdvantage miles per $1
Base rate on all purchases
2x miles at restaurants
Dining

Point / Mile Values

  • Cash back / statement credit: ~1¢ per point
  • Travel portal redemption: ~1¢ per point
  • Transfer partners: American Airlines AAdvantage program

Pros & Cons for Travelers

👍 Pros

  • ✅ No foreign transaction fees — safe to use internationally
  • ✅ Rental car collision coverage (secondary)
  • ✅ Low annual fee ($99) relative to benefits

👎 Cons

  • ❌ No airport lounge access
  • ❌ No trip cancellation/interruption insurance
  • ❌ No trip delay insurance
  • ❌ No Global Entry or TSA PreCheck credit
  • ❌ No emergency medical evacuation coverage

🎯 Who Is This Card Best For?

American Airlines loyalists who want free checked bags and preferred boarding at an affordable annual fee

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