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Update: Some offers mentioned below are no longer available. View the current offers here – Citi AAdvantage Platinum Select World Elite Mastercard

For American Airlines flyers, the Citi / AAdvantage Platinum Select World Elite Mastercard is one of the best options out there. Thanks to preferred perks when flying with AA and other benefits, it can be a great card to have in your wallet.

Aside from the AA-specific benefits, such as preferred boarding and first free checked bag, the card features some perks that aren’t as widely advertised. Here are five of the Citi / AAdvantage Platinum Select Card’s other benefits that are worth knowing about.

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1. Purchase Protection

If you make a purchase with your Platinum Select Card, it’s covered under many circumstances. If the item is damaged or stolen within 120 days (90 days for New York residents) of you purchasing it, Citi will repair or reimburse the cost of the item. The card covers up to $10,000 per item that you dispute for a total of up to $50,000 per year, per Citi card account. So, you could submit and get up to five claims per year, each totaling $10,000.

Citi considers the first 120 days (or 90 days for New York residents) to start when the new item is purchased or when it’s delivered — whichever comes first. You must have purchased the item with your Citi card in order for it to be eligible for the card’s coverage. In addition, if you split the cost of an item up between your Platinum Select Card and another card, Citi will only cover the cost that was put on your Citi card.

Purchases that aren’t eligible for this coverage include but are not limited to boats, cars, aircraft or any other motorized land, air or water vehicles and their original equipment; products that can spoil or be consumed; currency, cash, gift cards or traveler’s checks; tickets of any kind; and items purchased for resale.

2. Worldwide Car Rental Insurance

With so many things that could go wrong when renting a car — from a scratch to a collision — it’s nice to know that your credit card has you covered. The Citi / AAdvantage Platinum Select Card does just that. If you experience an accident or theft involving your rental car, this (secondary, not primary, in the US) insurance benefit will cover part — if not all — of the cost.

The car rental insurance protection covers up to $100,000 toward the cost of repairs or the cash value of the car — whichever amount is less. You must have paid for the car rental with your Citi card. If you want your car rental to be eligible for the coverage, you must decline the rental company’s collision loss/damage insurance.

In order to take advantage of the worldwide car rental insurance, make sure that your rental period is no longer than 31 consecutive days. The car must also be damaged by an accident, natural disaster or vandalized or stolen in order to be covered. The card’s insurance won’t cover your damage if the rental car was used in such a way that goes against the rental car agreement, such as driving recklessly or under the influence, or if you used it as a car for-hire. If you think you’re eligible, call Citi at 1-866-918-4670 to file a claim.

3. Baggage Delay Protection

If you’re traveling with a common carrier, such as a plane, train, ferry or cruise ship, and your baggage is delayed by more than six hours, you could be reimbursed for essentials you need in the meantime. The card’s protection benefit covers up to $100 per covered traveler per trip.

You must have paid for your ticket with the common carrier at least in part with your Citi card and/or AAdvantage miles. Citi defines covered travelers as the primary cardholder, family members and your traveling companions on the trip. In addition, your family members and their traveling companions are still eligible for this benefit even if you’re not traveling with them, as long as travel was paid for with your Citi card.

The benefit covers the cost of most needed personal and business items purchased while waiting for your baggage to get back to you. Examples of covered items include toiletries and a change in clothes. The benefit doesn’t cover any items not contained in the checked baggage, traveler’s checks, tickets of any kind, passport, visas, negotiable instruments, bullion, rare or previous metals, stamps and coins. Be sure to notify the airline before leaving the airport or station, and keep a copy of any report provided. To file a claim, call Citi at 1-866-918-4670.

4. Trip Cancellation & Interruption Protection

This protection covers costs if your trip is canceled, interrupted or extended due to sickness, injury, death of the covered travelers and weather issues. Citi may reimburse you up to $5,000 per covered traveler per trip.

You must have purchased your trip at least in part with your Citi card and/or AAdvantage miles. Citi defines covered travelers as the primary cardholder, your family members and traveling companions on the trip. Even if the primary cardholder isn’t traveling, your family members and their traveling companions are still eligible for the benefit as long as the cost was put on your Citi card.

The protection doesn’t cover the costs if the traveler simply chose to change plans, has a work conflict, is not feeling well but is still able to travel, preferred lodging isn’t available or if you just decide not to travel. Covered expenses include but aren’t limited to change fees charged by the airline or other travel suppliers, lodging, tour fees and more.

5. Extended Warranty

The Platinum Select Card’s warranty coverage will extend the manufacturer’s warranty on an item for an additional 24 months. In the event of a covered failure from the manufacturer’s warranty, Citi’s extended warranty coverage will repair or place the item or reimburse you up to the amount charged on your Citi card or $10,000 — whichever is less.

If you purchase an extended warranty from the merchant, Citi’s coverage will add an additional 24 months onto the end of that. However, no total coverage will exceed 84 months from the purchase date. Also note that Citi will only extend the warranty on an item paid at least in part with your Platinum Select Card. If you only paid for part of the item with your card, Citi will only reimburse you for up to that amount charged.

The amount of coverage is limited to the lesser of the following: the cost to repair or replace the item; the purchase price of the item; the amount charged to the Citi card; or $10,000 per item. In addition, Citi will determine if an item will be repaired or replaced.

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Annual Fee
$0 Intro for the First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

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