pointslip milestomorrow.com

Citi Citi / AAdvantage Business vs American Airlines AAdvantage MileUp Card

Both are Citi cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Citi / AAdvantage Business 1.5% 1x base rate
  2. American Airlines AAdvantage MileUp Card 1.5% 1x base rate

Groceries

  1. American Airlines AAdvantage MileUp Card 2.9% 2x
  2. Citi / AAdvantage Business 1.5% 1x base rate

Gas

  1. Citi / AAdvantage Business 2.9% 2x
  2. American Airlines AAdvantage MileUp Card 1.5% 1x base rate

Phone & internet

  1. Citi / AAdvantage Business 2.9% 2x
  2. American Airlines AAdvantage MileUp Card 1.5% 1x base rate

Flights

  1. Citi / AAdvantage Business 2.9% 2x
  2. American Airlines AAdvantage MileUp Card 2.9% 2x

Car rental

  1. Citi / AAdvantage Business 2.9% 2x
  2. American Airlines AAdvantage MileUp Card 1.5% 1x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Citi / AAdvantage Business $99 and American Airlines AAdvantage MileUp Card $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: American Airlines AAdvantage MileUp Card takes groceries; Citi / AAdvantage Business takes gas, phone & internet and car rental.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseCiti / AAdvantage Business1.5%
GroceriesAmerican Airlines AAdvantage MileUp Card2.9%
GasCiti / AAdvantage Business2.9%
Phone & internetCiti / AAdvantage Business2.9%
FlightsCiti / AAdvantage Business2.9%
Car rentalCiti / AAdvantage Business2.9%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Citi / AAdvantage Business — 1.5%
  2. American Airlines AAdvantage MileUp Card — 1.5%

Groceries

  1. American Airlines AAdvantage MileUp Card — 2.9%
  2. Citi / AAdvantage Business — 1.5%

Gas

  1. Citi / AAdvantage Business — 2.9%
  2. American Airlines AAdvantage MileUp Card — 1.5%

Phone & internet

  1. Citi / AAdvantage Business — 2.9%
  2. American Airlines AAdvantage MileUp Card — 1.5%

Flights

  1. Citi / AAdvantage Business — 2.9%
  2. American Airlines AAdvantage MileUp Card — 2.9%

Car rental

  1. Citi / AAdvantage Business — 2.9%
  2. American Airlines AAdvantage MileUp Card — 1.5%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.