You’ve heard about the perks—priority boarding, free checked bags, and thousands of bonus miles—but how do you actually get approved for the American Airlines credit card? And more importantly, how can you boost your approval odds and maximize the value of your new card?
In this detailed guide, you’ll learn insider tips, lesser-known benefits, and the step-by-step process to apply successfully. Whether you’re a seasoned traveler or just looking to upgrade your next trip, this guide gives you the tools you need to make an informed, strategic choice.
More Benefits You Didn’t Know the American Airlines Credit Card Offers
1. 25% Savings on In-Flight Purchases
When using the card onboard American Airlines flights, you get 25% off on food and beverage purchases. While this is often mentioned, many don’t realize the savings also apply to premium drinks and bundled snack combos, making it a better value for long-haul travelers.
2. Reduced Mileage Awards
Cardholders gain access to “Reduced Mileage Awards”, which let you book award tickets for up to 7,500 miles fewer than the standard rate to select cities. This feature isn’t widely promoted but can significantly stretch your miles if you’re flexible with dates and destinations.
3. Early Access to Exclusive Offers
You’ll occasionally get priority access to American Airlines promotions, like flash sales, partner deals, and exclusive cardholder-only bonus miles events. These can unlock unexpected value over time, especially for frequent travelers.
Who Can Apply? Eligibility Requirements You Must Meet
Not everyone qualifies, and understanding the credit card prerequisites will help you prepare before you apply.
✅ Minimum Credit Score Requirement
- A score of 690 or higher (Good to Excellent) is usually required.
- Some applicants with scores as low as 670 have been approved, depending on income and credit utilization.
✅ Stable Income and Low Debt
- Having a minimum annual income of $25,000+ is ideal.
- Keep debt-to-income (DTI) ratio under 35% for a better approval chance.
✅ U.S. Residency
- Must have a valid U.S. address and Social Security Number.
- Green card holders are also eligible, though ITIN applicants are not typically accepted for this card.
✅ Banking Relationship with Citi (Optional Advantage)
- This card is issued by Citi, and existing clients with checking/savings accounts may receive faster approvals.
FAQ: American Airlines Credit Card — What People Ask the Most
Does the American Airlines card charge foreign transaction fees?
No, you can use the card globally without extra charges—ideal for international travelers.
How soon do I get the welcome bonus?
Bonus miles are usually credited within 8–10 weeks after meeting the spending requirement (often $2,500 in 3 months).
Can I upgrade or downgrade later?
Yes, Citi allows product changes after 12 months. You can switch to a no-annual-fee AAdvantage card if needed.
Will applying affect my credit score?
Yes, a hard inquiry will be made, but your score usually recovers in 3–6 months, especially if you’re approved.
Step-by-Step: How to Apply for the American Airlines Credit Card
✈️ Pro tip: Before applying, use Citi’s prequalification tool to check your chances without affecting your credit.
Step 1: Gather Your Information
Have your SSN, annual income, employer info, and housing costs ready.
Step 2: Visit the Official Application Page
Go to the Citi website or the American Airlines AAdvantage card page and click Apply Now.
Step 3: Complete the Application
Fill in personal and financial info. This takes around 5–8 minutes.
Step 4: Submit and Wait for Decision
Most applicants get a decision instantly. Others may be asked for additional documentation.
Step 5: Activate Your Card
Once approved, your card arrives in 5–7 business days. Activate it and start earning miles on day one.
Pro Tips to Increase Your Chances of Approval
- Check Your Credit Report for Errors: Before applying, check your report on AnnualCreditReport.com. Fixing even minor issues like outdated addresses or incorrect account statuses can improve your score by 20+ points.
- Pay Down Revolving Balances: Reducing your credit card balances can instantly boost your credit utilization score, which accounts for 30% of your FICO rating.
- Avoid Applying for Other Credit Cards Simultaneously: Multiple hard inquiries can lower your score temporarily. Apply for the American Airlines card when your report is clean of recent credit pulls.
- Build a Relationship with Citi: If you’re close to qualifying but not quite there, consider opening a basic Citi checking or savings account first to build history with the issuer.
Final Thoughts: Start Flying Smarter Today
If you’re serious about earning miles fast, enjoying elite travel perks, and making your spending work for you, then the American Airlines credit card is one of the most rewarding options available today. With our guide, you’re not just ready to apply—you’re ready to succeed.
