American Airlines AAdvantage® MileUp® Mastercard®

Grocery is the strongest category at 3% effective value (2x miles at about 1.5 cents each). That grocery rate ranks higher than about 95% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Grocery is the strongest category at 3% effective value (2x miles at about 1.5 cents each). That grocery rate ranks higher than about 95% of the 1,552 cards we track in that category.

Madeen values American AAdvantage at about 1.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

The American Airlines AAdvantage MileUp Mastercard has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services, and eligible American Airlines purchases.

The American Airlines AAdvantage MileUp Mastercard fits spenders who put meaningful volume in grocery and can earn 2x miles. Best for spenders who put meaningful volume in grocery and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.

American Airlines AAdvantage MileUp Mastercard fits spenders who put meaningful volume in grocery and can earn 2x miles. Madeen ranks its grocery effective rate higher than about 95% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in grocery and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement.

Foreign transaction fees make it weaker for international spend.

Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

The American Airlines AAdvantage MileUp Mastercard has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Earn 15,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening. Confirm current issuer terms before applying.

Annual fee

$0

Foreign transaction fee

$3

Signup bonus

Earn 15,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening

The American Airlines AAdvantage MileUp Mastercard includes 25% Savings on Inflight Food and Beverage, Extended Warranty, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

• 25% Savings on Inflight Food and Beverage

  Enjoy 25% savings on food and beverage purchases when you use your card on American Airlines flights.

• Extended Warranty

  Get an extra 24 months added to your warranty when you purchase items at least in part with your Citi card and/or ThankYou® Points. If your eligible item breaks, we’ll repair, reimburse or replace it, up to the amount charged on your Citi card and/or ThankYou® Points or up to $10,000 per item, whichever is less.

• Global emergency servicesIncluded with Standard Mastercard

  Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.

• HealthLockIncluded with Standard Mastercard

  Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.

• HELP KEEP YOUR IDENTITY SAFE

  The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.

• InstacartIncluded with Standard Mastercard

  Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.

• Mastercard ID Theft ProtectionIncluded with Standard Mastercard

  Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.

• Mastercard Music and Entertainment Access benefitIncluded with Standard Mastercard

  Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.

Compare the American Airlines AAdvantage MileUp Mastercard against Citi Dividend (5% on Grocery, $0 fee); AllModern Mastercard (3% on Grocery, $0 fee); Birch Lane Mastercard (3% on Grocery, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

• Grocery

• Citi DividendCiti · 5% on grocery
• AllModern MastercardCiti · 3% on grocery
• Birch Lane MastercardCiti · 3% on grocery
• Brooks Brothers Platinum Mastercard®Citi · 3% on grocery

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