Katie Genter is a digital nomad who has traveled full time since June 2017. She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.
April 14, 2020 • 10 min read
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Quick summary
American Airlines introduced a temporary promotion allowing eligible cardholders to earn progress toward Million Miler status through net purchases made between May and December 2020.
Previously, only miles flown counted toward Million Miler status, but this promotion enables card spending to contribute for a limited time.
The offer is particularly valuable for those close to reaching Million Miler thresholds or seeking lifetime elite status benefits.
Paying taxes with a card could help meet spending requirements, but comes with an additional fee.
What to consider
Only purchases that post between May and December 2020 count toward Million Miler status under this promotion.
A processing fee of 1.87% to 1.99% applies when using a credit card to pay taxes, which may offset some benefits.
Sign-up bonuses do not count toward Million Miler status; only net purchases and eligible category bonuses are included.
What you'll miss from the article
Detailed scenarios and calculations to help determine if using card spending to reach Million Miler status is worthwhile for your situation.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
There's one aspect of American's announcement that may be of particular interest to cardholders of cobranded American Airlines credit cards. Specifically, we learned that for all Citi/AAdvantage and AAdvantage Aviator credit card products, every dollar spent on net purchases that post between May 2020 and Dec. 2020 will count toward Million Miler status.
A seating area in the Flagship Lounge at LAX. (Photo by Zach Griff/The Points Guy)
This is big news for those seeking Million Miler status with American Airlines. Back in 2011, all redeemable miles earned from any source — including credit card spend and sign-up bonuses — counted towards Million Miler status. But, in December of that year, AA introduced a refreshed Million Miler program that only awarded Million Miler status based on miles flown. This new limited-time promotion for cardholders of eligible cobranded American Airlines credit cards may be just what you need to level up.
As mentioned above, all U.S.-issued Citi/AAdvantage and AAdvantage Aviator cards are eligible for this promotion. Here’s a comparison of the Citi- and Barclays-issued American Airlines AAdvantage credit cards that are currently available for new applicants:
Credit card
Welcome bonus
Annual fee
Earning capabilities
American Airlines AAdvantage MileUp℠ Card
10,000 miles and a $50 statement credit after you spend $500 on purchases in the first three months of account opening
$0
2x miles at grocery stores and on eligible American Airlines purchases
1x elsewhere
AAdvantage Aviator Red World Elite Mastercard
60,000 miles after you make a purchase and pay the annual fee within the first 90 days of card opening
$99
2x miles on eligible American Airlines purchases
1x elsewhere
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
50,000 miles after you spend $2,500 on purchases the first three months of account opening
$99 (waived the first 12 months)
2x miles at gas stations, restaurants and on eligible American Airlines purchases
1x elsewhere
AAdvantage Aviator Business Mastercard
65,000 miles after spending $1,000 in the first 90 days, and an additional 10,000 miles when an employee card is used for a purchase
$95
2x miles on eligible American Airlines purchases, office supply stores, telecom expenses and car rentals
65,000 miles after you spend $4,000 on purchases within the first four months of account opening
$99 (waived the first 12 months)
2x miles on eligible American Airlines purchases, telecom, cable and satellite providers, car rental merchants and gas stations
1x elsewhere
Citi® / AAdvantage® Executive World Elite Mastercard®
50,000 miles after you spend $5,000 on purchases in the first three months of account opening
$450
2x miles on eligible American Airlines purchases
1x elsewhere
The information for the Citi AAdvantage Platinum card, CitiBusiness AAdvantage Platinum card, AAdvantage Aviator Red and AAdvantage Aviator Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Should you charge everyday spending to an American Airlines card?
There are a few scenarios in which spending on a cobranded American Airlines card to earn Million Miler status may be worthwhile. Here are some sample scenarios:
You are close to earning Million Miler status or leveling up to the next tier
You could benefit from lifetime status but your travel will be limited going forward
You could benefit from lifetime status but you don't currently qualify organically
You simply want to accelerate your progress toward earning Million Miler status
If you're going to earn miles toward Million Miler status via credit card spending, timing is important. After all, the purchases must post to your AAdvantage account between May 2020 and Dec. 2020 to count.
Although every dollar you spend gets you closer to Million Miler status, you'll also be earning redeemable AAdvantage miles. Some of the cobranded American Airlines cards even earn bonus miles on purchases you're likely still making while grounded. Specifically, the no-annual-fee American Airlines AAdvantage MileUp℠ Card earns 2x miles at grocery stores, while the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers 2x miles at restaurants and gas stations.
This being said, you can certainly earn more on your grocery, dining and business expenses with other cards. So, there is an opportunity cost to using your cobranded American Airlines cards for these expenses in order to earn Million Miler status.
Should you pay your taxes with an American airlines card?
(Photo by Johner Images/Getty Images)
Since the IRS extended the personal tax filing and payment deadline to July 15, you could wait until at least the beginning of May to file and pay your taxes with an American Airlines card. This way, you'd earn miles that would count toward your Million Miler balance on what may be a large bill.
You could also apply now for a new cobranded American Airlines credit card and then use this card to pay your taxes. Depending on how much you owe in taxes and how far you are from earning Million Miler status, you might be able to earn the sign-up bonus and reach Million Miler status through paying your taxes -- or at least make progress towards both thresholds.
The sign-up bonus shouldn't count toward your Million Miler balance since American clearly notes "every dollar spent on net purchases that post to your AAdvantage account between May and December 2020 will count as one mile toward Million Miler status." But category bonuses do count towards lifetime status.
But, should you pay your taxes with a credit card? If you have a large tax bill, it can be a good idea to sign-up for a new card and then use the tax bill to reach the minimum spending requirements to earn the sign-up bonus. But, note that you'll pay a fee of 1.87% to 1.99% of the amount paid when you use a credit card to pay your taxes. So, you need to decide whether the rewards and benefits you'll get from paying with a card are worth incurring the fee. In the case of using an American Airlines card to spend toward Million Miler status, this decision depends on how close you are to reaching Million Miler status and how much value you'll get from having Million Miler status.
Miles earned toward American Airlines Million Miler status are based on the distance of your flight for travel on American marketed flights or the base miles earned for travel on eligible partner marketed flights. To see where you currently stand, log in to your AAdvantage account and select Activity at the top of your account.
Once you earn Million Miler status, you'll gain access to the following benefits:
At one million miles: AAdvantage Gold status for the life of the program and 35,000 AAdvantage bonus miles
At two million miles: AAdvantage Platinum status for the life of the program and four one-way systemwide upgrades
At each additional million miles: Four additional one-way systemwide upgrades
Although lifetime status can be useful, I personally wouldn't go out of the way to earn Million Miler status. After all, if you travel frequently with American Airlines, you likely hold AAdvantage status. And, if you don't travel all that frequently, then you may be better off relying on benefits from credit cards like the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® or Citi® / AAdvantage® Executive World Elite™ Mastercard®.
This being said, if you have a Million Miler balance that is close to next threshold and you aren't traveling frequently enough with American to earn status organically, it may very well be worth spending on an American Airlines card to get there.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
