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Check your email to see if you can earn 5 American miles per dollar spent at PayPal this summer

July 07, 2022
4 min read
Check your email to see if you can earn 5 American miles per dollar spent at PayPal this summer
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If you hold a Citi-issued credit card, you may want to check your email today. Multiple TPG staffers have reported receiving targeted offers for spending at PayPal.

For example, I received an offer to earn 5 AAdvantage miles per dollar spent on my Citi® / AAdvantage® Executive World Elite Mastercard® for PayPal purchases through Sept. 30, 2022 — and I was able to activate it with just a single click.

Screen shot courtesy of Citi

Through this offer, I can earn up to 3,000 total bonus miles in addition to the standard earning rate at PayPal (1 mile per dollar). In other words, it's capped at $600 in spending, though if I spend exactly that amount, I'd take home a total of 3,600 AAdvantage miles. This results in a solid return of 10.62% based on TPG's valuations.

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Note that I'd also earn Loyalty Points on the base spending — but the bonus miles will not count for Loyalty Points.

Other TPG staffers have reported other offers for PayPal, including:

  • $5 off $50 or more in PayPal purchases each month (July-September) on an American Airlines card.
  • 5% back on the Citi Dividend card (no longer available to new applicants), up to $30 in total statement credits.
  • 5 points per dollar on the Citi® Double Cash Card, up to 3,000 points total (through Sep. 30, 2022). This is in addition to the standard points you typically earn.
  • 5 points per dollar on the Citi Premier® Card, up to 3,000 points total (through Sep. 30, 2022). This is in addition to the standard points you typically earn.

Purchases made at PayPal typically don't qualify for any bonus categories, so you'd normally use a card that's good for everyday spending — like the Capital One Venture X Rewards Credit Card.

However, if you're targeted for one of these new offers, it may make a Citi-issued card a better option through the end of the third quarter.

Unfortunately, there's no way to check to see if you're targeted for an offer online. This won't appear in your Citi Merchant Offers, nor will it appear in your online account. As a result, you'll want to check your email for any applicable offers — and be sure you have enabled marketing communications so you don't miss out on these in the future.

Personally, I probably won't go out of my way to spend with PayPal to earn these bonus miles. However, if I do shop online at a merchant with PayPal as a payment option, I'll definitely swipe my Citi AA Executive card. Earning a total of 6 miles per dollar (1 base mile plus 5 bonus miles) along with a handful of Loyalty Points is a solid rate of return on purchases that otherwise wouldn't earn as much.

Related: How I earned American Airlines Gold status without taking a single flight — for an all-in cost of less than $100

Thankfully, paying with PayPal is generally done directly with the merchant, so you should be able to stack this offer with any bonuses from online shopping portals. Your best bet is to use a portal aggregator (like Cashback Monitor) to go with the site that offers the best return on your purchase.

Featured image by Getty Images
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

TPG featured card

Best starter travel card
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 3X points
3XEarn 3 Points per $1 spent at Restaurants and Supermarkets
3XEarn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
1XEarn 1 Point per $1 spent on all other purchases

Intro offer

Earn 80,000 ThankYou® points60,000 points
For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Annual Fee

$95

Recommended Credit

670-850
Excellent, Good
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Citi Premier’s 3 points per dollar spent across a wide range of popular categories is one of the more lucrative offerings in the world of points and miles. The Citi Premier comes with a $95 annual fee and is currently offering a solid sign up bonus of 80,000 points after you spend $4,000 on purchases within the first three months. It also has some valuable transfer partners to make the most of your rewards. Add in access to Citi Entertainment plus a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, booked through the Citi travel website, there are few reasons why the Citi Premier should not be in every traveler’s wallet.

Pros

  • Earns 3x points on restaurants, supermarkets, gas stations, air travel and hotels.
  • $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more, excluding taxes and fees, booked through thankyou.com)
  • Points transfer to 16 airline programs, from JetBlue to Virgin Atlantic.
  • World Elite Mastercard benefits, extended warranty, damage and theft protection.

Cons

  • $95 annual fee
  • Lacks travel protections that other travel rewards cards come with
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Best starter travel card
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

3XEarn 3 Points per $1 spent at Restaurants and Supermarkets
3XEarn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
1XEarn 1 Point per $1 spent on all other purchases
  • Intro Offer
    For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

    Earn 80,000 ThankYou® points
    60,000 points
  • Annual Fee

    $95
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent, Good

Why We Chose It

The Citi Premier’s 3 points per dollar spent across a wide range of popular categories is one of the more lucrative offerings in the world of points and miles. The Citi Premier comes with a $95 annual fee and is currently offering a solid sign up bonus of 80,000 points after you spend $4,000 on purchases within the first three months. It also has some valuable transfer partners to make the most of your rewards. Add in access to Citi Entertainment plus a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, booked through the Citi travel website, there are few reasons why the Citi Premier should not be in every traveler’s wallet.

Pros

  • Earns 3x points on restaurants, supermarkets, gas stations, air travel and hotels.
  • $100 annual hotel savings benefit (on single hotel stay bookings of $500 or more, excluding taxes and fees, booked through thankyou.com)
  • Points transfer to 16 airline programs, from JetBlue to Virgin Atlantic.
  • World Elite Mastercard benefits, extended warranty, damage and theft protection.

Cons

  • $95 annual fee
  • Lacks travel protections that other travel rewards cards come with
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases