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Citi American Airlines AAdvantage MileUp Card vs Costco Anywhere Visa

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. American Airlines AAdvantage MileUp Card 1.5% 1x base rate
  2. Costco Anywhere Visa 1.0% 1% base rate

Dining

  1. Costco Anywhere Visa 3.0% 3%
  2. American Airlines AAdvantage MileUp Card 1.5% 1x base rate

Groceries

  1. American Airlines AAdvantage MileUp Card 2.9% 2x
  2. Costco Anywhere Visa 1.0% 1% base rate

Gas

  1. Costco Anywhere Visa 4.0% 4%, capped
  2. American Airlines AAdvantage MileUp Card 1.5% 1x base rate

Costco gas

  1. Costco Anywhere Visa 5.0% 5%, capped
  2. American Airlines AAdvantage MileUp Card 1.5% 1x base rate

Flights

  1. Costco Anywhere Visa 3.0% 3%
  2. American Airlines AAdvantage MileUp Card 2.9% 2x

Hotels

  1. Costco Anywhere Visa 3.0% 3%
  2. American Airlines AAdvantage MileUp Card 1.5% 1x base rate

Costco

  1. Costco Anywhere Visa 2.0% 2%
  2. American Airlines AAdvantage MileUp Card 1.5% 1x base rate

What the numbers are doing

Costco Anywhere Visa's 4% on gas runs out: it applies to the first $7,000 of gas spend a year, and everything past that earns 1%.

Abroad the answer flips: American Airlines AAdvantage MileUp Card charges a 3% foreign transaction fee, so once that comes off the rate Costco Anywhere Visa is the better card for everyday spend.

Where they differ: American Airlines AAdvantage MileUp Card takes everything else and groceries; Costco Anywhere Visa takes dining, gas, costco gas and flights, plus 2 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAmerican Airlines AAdvantage MileUp Card1.5%
DiningCostco Anywhere Visa3.0%
GroceriesAmerican Airlines AAdvantage MileUp Card2.9%
GasCostco Anywhere Visa4.0%
Costco gasCostco Anywhere Visa5.0%
FlightsCostco Anywhere Visa3.0%
HotelsCostco Anywhere Visa3.0%
CostcoCostco Anywhere Visa2.0%

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. American Airlines AAdvantage MileUp Card — 1.5%
  2. Costco Anywhere Visa — 1.0%

Dining

  1. Costco Anywhere Visa — 3.0%
  2. American Airlines AAdvantage MileUp Card — 1.5%

Groceries

  1. American Airlines AAdvantage MileUp Card — 2.9%
  2. Costco Anywhere Visa — 1.0%

Gas

  1. Costco Anywhere Visa — 4.0%
  2. American Airlines AAdvantage MileUp Card — 1.5%

Costco gas

  1. Costco Anywhere Visa — 5.0%
  2. American Airlines AAdvantage MileUp Card — 1.5%

Flights

  1. Costco Anywhere Visa — 3.0%
  2. American Airlines AAdvantage MileUp Card — 2.9%

Hotels

  1. Costco Anywhere Visa — 3.0%
  2. American Airlines AAdvantage MileUp Card — 1.5%

Costco

  1. Costco Anywhere Visa — 2.0%
  2. American Airlines AAdvantage MileUp Card — 1.5%
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