Chip Lupo, Credit Card Writer
@CLoop
Regular, ongoing American Airlines credit card interest rates can be as low as 19.99% (V) or as high as 29.99% (V), depending on the card and the applicant’s credit standing.
American Airlines Credit Card Interest Rates by Card
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: 20.24% to 29.24% (V)
- American Airlines AAdvantage® MileUp®: 19.99% to 28.99% (V)
- Citi® / AAdvantage® Executive World Elite Mastercard®: 19.99% to 29.99% (V)
- Citi® / AAdvantage Business™ World Elite Mastercard®: 19.99% to 28.99% (V)
American Airlines credit card interest rates are variable, meaning it can change based on certain economic conditions.
American Airlines credit card gives you a 23-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest if you pay your balance in full during that timeframe. Should you decide to carry a balance on your credit card, it will accumulate interest daily at the card's regular APR.
In addition to the regular rate, American Airlines credit cards come with a separate interest rate for cash advances and a penalty rate for delinquent payments. The interest rates will be listed on the card's monthly statement and online account summary.
You can learn more by reading WalletHub’s guide to credit card interest rates.
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Alex Wise, WalletHub Credit Cards Analyst
@Alex_Wise
The American Airlines credit card interest is from around 16% up to nearly 25% on all of its consumer and business cards. The exact interest rate will depend on the applicant’s creditworthiness. The better an applicant’s credit profile, the better the chance of getting a lower rate upon approval.
All American Airlines credit cards have multiple interest rates. Each charges around 25% interest daily on cash advances and a penalty APR of more than 29% for late payments.
People also ask
Is it difficult to get an American Airlines credit card?
Yes, it's pretty difficult to get an American Airlines credit card because you need a good or excellent credit score for approval, along with enough income for the monthly bill payments. The easiest American Airlines cards to get require a minimum of good credit for approval, as opposed to excellent credit only.
If you don't know where you stand, you can check your credit score for free, right here on WalletHub.
Easiest American Airlines Credit Cards to Get
- Best Overall:
- Best Overall:
- Best Overall:
- Rates & Fees Lounge Access:
- Rates & Fees Lounge Access:
- Lounge Access:
- No Annual Fee:
- No Annual Fee:
- No Annual Fee:
- Best Overall:
- Lounge Access:
- No Annual Fee:
...
read full answer by Maria Adams, Credit Cards ModeratorWhat's the best American Airlines credit card bonus?
The best American Airlines credit card bonus is 50,000 miles for spending $2,500 in the first 3 months, offered by the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. Those miles are worth around $1,192, according to WalletHub’s calculations.
This card also gets you 2 miles / $1 spent at gas stations and restaurants, and on eligible American Airlines purchases.
Best American Airlines Credit Card Bonuses
Initial Bonus: 50,000 miles for spending $2,500 in the first 3 months
Ongoing Rewards: 2 miles per $1 spent on eligible American Airlines purchases, 2 miles per $1 at gas stations and restaurants, and 1 mile per $1 on all other purchases
Foreign Transaction Fee: 0%
Annual Fee: $0 intro 1st yr, $99 after
Credit Score: Good
Initial Bonus: 70,000 bonus miles for spending $7,000 in the first 3 months
Ongoing Rewards: 10 miles for every $1 spent on eligible hotels booked through aadvantagehotels.com and on eligible car rentals booked through aadvantagecars.com, 4 miles per $1 spent with American Airlines, as well as 1 mile per $1 on all other purchases
Foreign Transaction Fee: 0%
Annual Fee: $595
Credit Score: Good
Initial Bonus: 15,000 miles for spending $500 in the first 3 months
Ongoing Rewards: 2 miles per $1 spent on American Airlines and grocery store purchases, and 1 mile per $1 on all other purchases
Foreign Transaction Fee: 3%
Annual Fee: $0
Credit Score: Good
Initial Bonus: 75,000 miles after spending $5,000 in purchases within the first 5 months (limited-time offer)
Ongoing Rewards: 2 miles per $1 spent on American Airlines purchases, at telecommunications merchants, cable and satellite providers, car rental merchants and gas stations, 1 mile per $1 on all other purchases
Foreign Transaction Fee: 0%
Annual Fee: $0 intro 1st yr, $99 after
Credit Score: Excellent
Ultimately, the best American Airlines credit card bonus is somewhat subjective and depends on a number of factors. Your spending habits, the rewards you’re after, and...
read full answer by Maria Adams, Credit Cards ModeratorWhich is the best American Airlines credit card with no annual fee?
There is only one American Airlines credit cards with no annual fee, the American Airlines AAdvantage® MileUp®. This card can save you hundreds of dollars per year.
Notable American Airlines Credit Cards with No Annual Fee
- Initial Bonus:
- Initial Bonus:
- Initial Bonus:
- Initial Bonus:
Ongoing rewards: 2 miles per $1 spent on American Airlines and grocery store purchases, and 1 mile per $1 on all other purchases
Annual fee: $0
Credit required: Good credit
- American Airlines Benefits:
- American Airlines Benefits:
- American Airlines Benefits:
- American Airlines Benefits:
Ongoing rewards: 2 miles per $1 spent on eligible American Airlines purchases, 2 miles per $1 at gas stations and restaurants, and 1 mile per $1 on all other purchases
Annual fee: $0 intro in the first year, $99 after that
Credit required: Good...
read full answer by Gina Marte, WalletHub AdvisorDid we answer your question?
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