AAdvantage® MileUp® Card from Citi: annual fee, APR and rewards

Fact sheet for the AAdvantage® MileUp® Card, issued by Citi, with no annual fee and miles. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Citi
Annual fee	$0
Rewards	Miles: Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases; 2 miles for each $1 spent at grocery stores, including grocery delivery services; 1 mile for every $1 spent on all other purchases
Purchase APR	The standard variable APR for purchases and balance transfers is 19.74% - 29.74%, based on your creditworthiness.
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater
Sign-up bonus	Earn 15,000 AAdvantage® bonus miles and a $100 Statement Credit after $500 in purchases in the first 3 months
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 24.49%, with a range of 19.49% to 29.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.