AAdvantage Platinum Select

Citi · WORLD ELITE MASTERCARD · annual fee $99

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 2× Eligible American Airlines purchases
• 2× Restaurants
• 2× Gas stations
• 1× Everything else

Statement credits, at their advertised value

• AA Flight Discount, up to $125 a year

Advertised total $125 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

No foreign transaction fee.

Purchase APR: 19.49%-29.49%

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/citi-aadvantage-platinum-select.