American Airlines Credit Card Review

If you’re an American Airlines regular or if you want to be, the American Airlines Credit Card might be for you. Find out here where we break down the perks, the pros, and the cons of this travel credit card.

The American Airlines credit card offers credit to consumers in the truest sense of the word. It provides deferred interest on specific purchases and has lower qualification thresholds than many competitors. But there are rigid limitations as to where the card can be used. We also found it difficult to turn up much information about this card, despite it being issued from a major airline. In many ways, the American Airlines credit card functions much like a store card for American Airlines rather than a traditional line of revolving credit. We do, however, love the Fly Now, Pay Later program.

About the American Airlines Credit Card

American Airlines is the world's largest airline company in terms of operational fleet size and passengers traveled each year. With its largest hubs situated in major cities like Dallas, Miami and New York, American Airlines has an extensive domestic and international operation, totalling more than 6,700 flights per day to more than 350 destinations. American Airlines was first founded in 1926 in Chicago and is one of the most popular options for frequent flyers, both business and leisure. This is due in part to AAdvantage, the airline's frequent flyer program, and the host of benefits it bestows to members.

Target Demographic

By its nature, the American Airlines credit card is targeted at those who frequently fly with the airline. However, it offers benefits to anyone that uses it. Its Fly Now payment plan is also one of the most beneficial plans we've ever seen for an airline credit card.

Issuing Bank

The American Airlines credit card is issued through Citibank. The bank can be reached at P.O. Box 6403 Sioux Falls, SD, 57117. Alternatively, you can call them at 1-800-733-2654.

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Managing Your Online Account

managing your american airlines online account

Your American Airlines online account can be used to pay your credit card bill, view your current balance, modify your personal information and much more. To improve the online experience, American Airlines credit card can also connect with Apple Pay to offer digital payment options.

Benefits of the American Airlines Credit Card

There are several benefits that come as a result of being an American Airlines credit card holder, including the Fly Now Payment Plan. The Fly Now Payment Plan lets you pay no interest on certain purchases if they are paid in full before the deadline. If you need to fly somewhere soon but lack the funds to cover that purchase, this payment plan lets you pay it off over time without worrying about emptying your pockets.

facts aircraft pilots and flight engineers

In addition, the online approval process is usually instantaneous. You'll also get low monthly payments, to boot. While there are no foreign transaction fees, this is because the card is limited to use only within the United States, Puerto Rico and the U.S. Virgin Islands.

FAQ

These are the most frequently asked questions we found about this card.

  • How can I cancel my card?

    Canceling your American Airlines card is as easy as calling card services and requesting your account be closed. You will need to pay off any remaining balance, however.

  • What can I use my American Airlines credit card for?

    This card is technically a "payment plan" card. While it functions like a credit card, it lacks the full range of features a credit card might have. That said, you can use it to make purchases at airport kiosks and ticket counters, in Admirals Clubs, Flagship Lounges, the Arrivals Lounge and on American Airline's website for flights and products.

  • Where and what stores can I use my American Airlines credit card?

    You can use your American Airlines credit card in airports stores, on the American Airlines website and in airport lounges.

  • How long does it take American Airlines to refund my credit card?

    It usually takes around seven days for a refund to be processed.

  • How can I check my American Airlines credit card balance?

    You can check your American Airlines credit card balance through your online account or by calling the customer service number on the back of the card.

  • Can I, if so, how do I withdraw money from American Airlines credit card?

    You can withdraw money from ATMs across the country. If you do not have a PIN established, you will need to do this before you attempt to withdraw money.

  • Can I get cash advance and are there any related fees?

    A cash advance carries a higher interest rate than the purchase APR on top of a withdrawal fee.

  • Can I pay for my American Airlines credit card with a gift card, a different credit card or PayPal?

    No. You must pay your credit card off via a bank transfer or with a check.

  • Can I use my American Airlines credit card without the card?

    You can use the card online to make purchases, but you will need the card when making in-person purchases.

  • How to add an authorized user to American Airlines credit card?

    To add an authorized user to your American Airlines credit card, access your online account and find "Authorized Users" under management options.

  • Are there any upgrades on American Airlines credit card?

    If you have been approved for this card, it might be possible to upgrade to an AAdvantage card. However, there are no specifically listed upgrades for this card.

  • How soon can I use my American Airlines credit card once I receive it?

    Once you receive your card and activate it, you can begin shopping right away.

  • How to contact American Airlines credit card services?

    To reach American Airlines card services, just call 1-800-733-2654.

  • How to report stolen American Airlines credit card?

    If your card is stolen, call card services immediately.

  • What credit score do I need to get approval for the card?

    While no specific credit score is listed, this card is usually easier to qualify for than a higher-yield rewards card. Because it functions similarly to a store card, you can be approved with a Fair credit score. Some users report approval with credit scores in the low-to-mid 600s.

  • What credit score do I have to maintain so my account is not closed?

    You do not have to maintain a specific credit score. You just need to ensure your payments are made on time.

  • Will my credit score drop if my account gets closed?

    Your credit score may drop because closing the account will increase your utilization ratio. However, closing this account is not guaranteed to hurt your score.

  • Which credit bureaus does American Airlines credit card report to?

    American Airlines can pull from any of the three major credit bureaus, but because the card is issued through Citi you can expect the company to report to Experian.

  • Can I build my credit with the American Airlines credit card?

    Yes. Regular on-time payments and a low utilization ratio will help you build your credit score.

  • Is there an expiry date on the card?

    Yes, there is an expiration date on the card.

  • Is there a credit insurance program and how will it cover me if I lose my job?

    No. If you lose your job, you are still liable for any payments.

  • Can I have two credit cards from American Airlines at the same time?

    Yes. Many cardholders have more than one American Airlines credit card.

  • Can I transfer money from my American Airlines credit card to another?

    Yes. You can transfer money from one card to another via a balance transfer, but you may face fees for doing so. You cannot, however, perform a balance transfer with this particular credit card.

  • Is it hard to get an American Airlines credit card?

    Qualifying for airline cards is typically easier than qualifying for other kinds of credit cards, but it is still based on your income and a few other factors.

  • How long does it take to receive the card once I have been approved for it?

    Once you have been approved for this card, you can expect it to arrive within five to seven business days.

  • How do I get more reward points?

    The American Airlines credit card does not yield reward points; however, AAdvantage cards do.

  • What can you use American Airlines points for?

    You can redeem American Airlines points for award flights, car rentals, hotel stays and more.

  • Does American Airlines card cover rental car insurance?

    Some American Airlines cards do cover rental insurance. This one does not.

  • How to report a stolen credit card?

    If your card is stolen, contact card services as soon as possible.

  • Do I need a certain income to get the college card?

    Yes. A certain income level and credit score is required to qualify for any credit card.

The American Airlines Credit Card — Our Verdict

While this card has several perks going for it—the biggest being the Fly Now, Pay Later program—it isn't exceptional. When you consider there are no reward points and the strict limitations on where and how you can use this card, there may be better options out there. If you want an American Airlines co-branded card, consider picking up the Citi AAdvantage Executive or Platinum Select cards, instead.

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Editorial Note:

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.