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Confirm your verve card reservation through Mid-America Bank and Trust Company’s MasterCard application at www.yourvervecard.com. Your reservation number and your Social Security number are required if you have been given a reservation number previously. If you want to apply for a verve card and have no reservation, click the button entitled “No Reservation”.

You can also apply for a credit card by calling 1-866-513-4598 or return the acceptance certificate that you received in the mail as a preselected offer. Mid-America bank is able to offer a variety of services to customers when other financial institutions cannot accommodate them. In order to apply for a credit card you will need to provide some personal information.

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Information required to apply include:

  • Full name
  • Social Security number
  • Date of birth
  • Physical address
  • Estimated gross monthly income

Your personal information is required for two different reasons. The first reason is that federal law requires Mid-America bank to verify and record information that will identify each individual who opens a new account. So for this reason, personal information is required. The second reason is because your credit bureau data must be pulled, which in turn is used with other information such as one’s monthly earnings in order to process the application fully.

In most cases applications at yourvervecard.com will be approved or denied instantly. However, there will be cases where additional information or data will need to be collected in order to make a decision, when this happens it could take up to 30 days to make a decision on the application. If you are approved for an account, you will receive your credit card by mail typically within three business days.

With an approved account you will be given a limit of $500. Some cases will require a deposit for security purposes to qualify for a credit card. Once you have received your credit card in the mail, you will need to activated over the phone, the card cannot currently be activated online. Make sure to activate your card within 30 days or your account will automatically be closed.

If you choose to enroll in the online banking service provided, you will be able to manage your credit card account online. Services provided include the following:

  • Pay your credit card bill
  • Enroll to receive online statements
  • View transaction history
  • Look over previous statements
  • View payment history
  • Find your balance

The online account management system is a free service that is provided for you. Your statement will arrive in paper form through the mail, however you can choose to change your statement delivery method to receive online statements only.

Benefits are available, and you can request to qualify for those benefits. Benefits can cover you in the event of job loss or disability allowing the credit protection program to cover up to 12 months of continuous monthly payments, or one month of your minimum required payment for hospitalization and the full balance of the card account will be canceled out in the event of death. To apply for these benefits and have them activated you will need to call the benefit administrator at 1-866-665-7967.

* The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click Apply for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the Credit-Land.com website are property of their respective owners.

Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Please note that Credit-Land.com has financial relationships with some of the merchants mentioned here. Credit-Land.com may be compensated if consumers choose to utilize the links located throught the content on this site and generate sales for the said merchant.

* The BestCreditOffers.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. BestCreditOffers.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click Apply for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the BestCreditOffers.com website are property of their respective owners.

User Generated Content Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

BestCreditOffers.com makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking Apply Online! button to review the detailed credit card's terms and conditions. Note that BestCreditOffers.com may be compensated by the credit card issuers when the readers apply for a credit card through this site.

BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

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Literature: 1. Tasić Lj.: Farmaceutski menadžement i marketing, udžbenik, Nauka, Beograd, 2002. 2. Grujić V., Martinov-Cvejin M., Leković B.: Menadžment u zdravstvu, udžbenik, Medicinski fakultet,

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Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Review

Harness the Signature Airline of the U.S.

Status lovers will enjoy the variety of benefits that come with this card. From free bags to reduced price in-flight beverages, AA still flies in style.

  • Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.
  • Enjoy preferred boarding on American Airlines flights.
  • No Foreign Transaction Fees on purchases.
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights.
  • Earn 2 AAdvantage® miles for every $1 spent on American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases.
  • Earn 10% of your redeemed AAdvantage® miles back — up to 10,000 AAdvantage® miles each calendar year.

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  • Matrix mastercard reviewsAirlines
  • $95 (Fee waived for the first 12 months)

1- 888-248-4226 (Available 24/7)

  • 16.49% to 24.49%, based on your creditworthiness.
  • 16.49% to 24.49%, based on your creditworthiness.
  • $5 or 3% fee of the amount of each transfer (whichever is greater)
  • $10 or 5% of the amount (whichever is greater)
  • 25.99% APR

Blue skies and fair winds make for a good day to fly! Choosing your airline can be difficult, since factors like location, time, and destination all go into whether or not you can fly somewhere.

An easy choice for many people is American Airlines, because they’re the largest airline in the world. If you’re an American, you’ve probably flown American Airlines at least once.

They’ve been operating since 1934, and are known for their loyalty program, executive lounges, and the fact that they fly pretty much everywhere (344 destinations according to their Wikipedia page).

Frequent fliers tend to enjoy the treatment they can get, from boarding privileges to free bags to lounge access. There’s many reasons to fly with AA, and if they sound good then getting a Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® could be for you.

Matrix mastercard reviews If you get the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, you#8217;ll get access to some of the #8220;elite status#8221; benefits that are so famous on American Airlines. Great for frequent flyers everywhere!

Sign-Up Bonus, Earning Categories, and Points

Currently, signing up for the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® will earn you the sign up bonus listed above in the card summary table.

You also earn AAdvantage miles at a rate of 2x on AA flights and services. While this isn’t the greatest, it is certainly a respectable amount of bonus miles for making flight purchases.

You earn an additional mile (1x) for all other purchases made on the card. The card costs $95 per year, but the fee is waived the first year.

Bottom Line: The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® earns 2x points on all AA flights and services and 1x points everywhere else. It costs $95 per year, but the fee is waived year 1.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Benefits: Bags, Boarding, and Discounts

However, what really makes the card great is its fringe benefits. American Airlines likes to operate on the idea of status, and this card gives you just that.

First, you and up to 4 people traveling with you get one checked bag free! You all must be listed on the same reservation though, so make sure you book your travel companions#8217; tickets through your card (which should be easy enough if they’re your family).

Next, once you’re through security and ready to board, you’ll have boarding privileges above the other non-status passengers.

This means you can get on, get your carry-on bags into the compartments before they fill up, and get comfortably situated before the rest of the plane boards.

Third, you get 25% off all in-flight food and beverage purchases, as well as headsets if you need one.

That discount is enough to make the prices a bit more reasonable (a $7 drink is now only $5.25), and it allows you to enjoy your trip just a little bit more, save time from eating in the airport, and earn double miles for your purchase (rather than 1x).

If you’re going to have a drink and a snack, you may as well do it in style at 30,000 ft in the air!

Bottom Line: Get a free first bag for you and up to 4 traveling companions, priority boarding privileges, and a 25% in-flight discount on food and beverages when you have the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®.

AAdvantage Miles Rebate and Reduced Mileage Awards

These benefits are perhaps the best reasons to have the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®: every time you redeem miles, you get 10% of those miles back.

That means a 10,000-mile reward really only costs 9,000 miles, since you get 1,000 of those miles back. This makes your 2x earnings equate to 2.2x, assuming you’re using the miles to redeem flights on AA! (See Card Math for details)

To make that deal even sweeter, the card qualifies you for reduced mileage awards flights. This makes a round-trip 7,500 miles cheaper (or 3,750 if you’re just going one-way).

However, these rewards are only available every other month, and must be booked by phone or by ticket agent at the airport.

Booking these also costs an extra $35 compared to the normal taxes, but when you think of the cost of the trip, you#8217;re still getting a much better value.

Bottom Line: The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® comes with a 10% rebate in miles whenever you use them for an award flight, and it also gives you access to reduced mileage award tickets.

More Partners Than You Can Handle

One last thing that AA does to help you earn miles is partner with over 1,000 vendors. When you do business with them, you’ll get more miles in your account!

As you know, AA is a Oneworld alliance partner, which allows you to share miles and status with other alliance members.

But did you know there are actually more airlines outside of Oneworld that are still partners? In addition, there are the hotel partners, car rentals, vacation packages, cruises, and any other bonus offers they have going.

With this option, however, keep in mind that earning AA miles may conflict with earning miles in those partners’ own loyalty programs. So, it’s really good to have an overall strategy to know where your earning priorities lie!

Bottom Line: When you fly American, you also have access to all their Oneworld and other airline alliance partners. Having the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® gives you a head start on earning awards!

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® Drawbacks

Are there disadvantages? Sure. One is the annual fee of $95, although that is waived the first year. This isn’t too bad considering it’s the same price you’d pay for the majority of other points cards out there.

Another is the fact that the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® has no intro APR or other offerings, and it carries a 3% foreign transaction fee.

Of course, when traveling overseas we always recommend a card with no foreign transaction fees to get much more value.

This card#8217;s points-earning potential at 2x is a bit low, especially when considering it’s restricted to just airline purchases. Users of the card need to be frequent and heavy travelers in order to get any value out of it.

Also, the fact that some of the benefits have fine print means you’ll need to check before you want to use the card for that purpose.

Finally, as with all the other partnered cards, the AAdvantage miles you earn through purchases do not go towards your elite status, so you’ll have to earn that in other ways.

If you earn Executive Platinum on American Airlines, you#8217;ll get a host of benefits, and it excludes you from having to pay the $35 booking fee when purchasing your reduced MileSAAver rewards.

Bottom Line: Some drawbacks of the card include the $95 annual fee, no 0% APR, and only earning points on American Airlines flights. Also, your points earned on the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® don#8217;t count for elite status.

There is value to be had here, and the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® works well on its own or in combination with some of the other cards out there if you’re a heavier spender.

For someone who is a frequent flyer and enjoys American Airlines, this card will certainly provide you with plenty of value for your money.

  • You’re a frequent traveler on American Airlines and their subsidiaries
  • You already have a bunch of AA miles and status
  • You’d like to earn enough miles quickly to get a free round-trip
  • You like to travel in style and will enjoy the host of benefits available to you through the card
  • You won’t fly American (or any Oneworld partner) frequently or you’re not a traveler in general
  • You’re not a big spender in general (see Card Math for more details)

Sign up for AA Dining and get extra points for dining out at some of your favorite restaurants. Simply register a credit card, use it to pay for the meal, and earn up to 5x AAdvantage miles!

If you register the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, you will earn 1x points from the card plus up to 5x from the dining program, for a total of 6x points!

Matrix mastercard reviews Frequent diners can earn a ton of extra American miles by signing up to the AAdvantage Dining program. You can earn at least 3 miles per dollar extra at most restaurants, and up to an extra 5 once your reach VIP status!

How to Use Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®: The Upgraded Way™

To maximize points using the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® you will need to put most of your spending on your card, but there are also other ways to earn lots of miles:

Tip #1: Purchase all flights directly with the airline, and make in-flight purchases with the card as well.

Tip #2: If you book rental cars, use your AA account with Avis, Budget, and any of its other partners to earn 250-1,250 miles per rental. Plus, earn 1x miles if you book it with your card.

Tip #3: Sign up with the AA dining program and dine at designated restaurants using your registered card. Use the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® to rack up even more points.

At first, you receive 1 AAdvantage mile per dollar, but after dining with the restaurant 12 times you get 5x miles! That could end up as 6x miles total when using your Citi AAdvantage card.

Tip #4: Many hotel chains offer partnerships where you can earn AA miles for stays. These include Hilton Honors, SPG, and more.

With SPG, you can transfer hotel points to your AA account and earn a 25% bonus when you transfer 20,000 at a time!

Tip #5: If you’re checking bags past the free ones offered, pay with your AAdvantage credit card to earn 2x points for the baggage fee.

Being cognizant of American#8217;s baggage fee rules is important to make sure you#8217;re not spending more than you need.

Tip #6: Earning Elite Status helps you rack up points much more quickly: 25% for Gold, 100% for Platinum (this used to only be 50%), and 100% for Executive Platinum.

If you aren’t even close, there’s a quicker way to do it: an Elite Status Challenge. Check around for current deals, since sometimes it’s not even offered (although FoundersCard has offered it in the past).

The challenge is sometimes free, but other times you#8217;ll have to pay a copay ($100-$200), but you’ll typically end up with Platinum after flying 10,000 miles within a 3 month period.

Once you complete it, you will be on your way to 100% bonus earning for only 10,000 miles, as opposed to the 30,000 normally needed!

Tip #7: You can earn additional miles through other partners (see partner details below), such as through the eShopping Mall or certain wine clubs. If these seem valuable to you, then use them to earn additional miles.

Matrix mastercard reviews Like to drink wine? There are opportunities to purchase wine and receive a bunch of extra miles for doing so! Deals vary often, so check around to see what works for you.

We always encourage you to maximize the value of your redemptions. Be sure to check around for the best deals and do your homework so you can squeeze the best value out of your points!

Tip #1: When redeeming miles on AA, the best value will always be for international trips. At 30,000 miles one-way, you can get to pretty much anywhere in the world.

Tip #2: If you want to use rewards domestically, make sure to take advantage of the reduced mileage offer by calling in to book your ticket. You can get a discount of 7,500 miles on a round-trip by waiting for the specials that come out every other month.

Tip #3: When you have the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, you get 10% of every redemption back in miles.

The AAdvantage card gets you access to American Airlines and all its partners, which is probably the most extensive list available in any program. Being the largest airline in the world, anyone would be happy to sign up with them to promote their businesses!

  • American Airlines (and American Eagle)
  • AA Dining Restaurant Network (over 11,000)
  • Other Retail Partners: AAdvantage eShopping Mall, Points.com, FTD, Teleflora, 1-800-FLOWERS.com, Vinesse Wine, Audience Rewards, Next Issue

Travel Partners: Airlines, Hotels, Rental Cars, and Cruises

Oneworld Partners: Airberlin, British Airways, Cathay Pacific, Finnair, Iberia, Japan Airlines, LAN Airlines, Malaysia Airlines, Qantas Airways, Qatar Airways, Royal Jordanian Airlines, S7 Airlines, SriLankan Airlines, TAM Airlines

Additional Airline Partners: Air Tahiti Nui, Alaska Airlines/Horizon Air, Cape Air, EL AL, Etihad Airways, Fiji Airways, Gulf Air, Hawaiian Airlines, Jet Airways, Seaborne Airlines, WestJet

Hotel Partners: Hilton Portfolio, Starwood Hotels, Marriott Hotels, InterContinental Hotels, Choice Hotels, Wyndham Hotel Group, Best Western, Country Inns Suites By Carlson, Fairmont Hotels Resorts, Fiesta Americana Hotels and Resorts, Hotel JAL City, Hyatt, Langham Hospitality Group, La Quinta Inns Suites, Melia Hotels International, Millennium Hotels and Resorts, New Otani Hotels, Nikko Hotels International, Park Inn, Park Plaza, PointsHound, Preferred Hotel Group, Quorvus Collection, Radisson, Radisson Blu, Raffles Hotels Resorts, Rocketmiles, Shangri-La Hotels Resorts, Swissotel Hotels Resorts, WORLDHOTELS

Rental Car Partners: Avis, Budget, Alamo, National, Dollar, Hertz, Thrifty, Carmel, Europcar, Sixt, GroundLink, SuperShuttle

Cruise Lines: Carnival Cruise Lines, Celebrity Cruises, Costa Cruises, Disney Cruise Line, Holland America Line, MSC Cruises, Norwegian Cruise Line, Princess Cruises, Royal Caribbean, AmaWaterways, Avalon Waterways, Azamara Club Cruises, Crystal Cruises, Cunard, Oceania Cruises, Paul Gauguin Cruises, Ponant, Regent Seven Seas Cruises, Seabourn, SeaDream Yacht Club, Silversea Cruises, Uniworld River Cruises, Viking Ocean Cruises, Viking River Cruises, Windstar Cruises

So how do these miles really stack up? Is the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® worth it overall? Let’s put it to the test with some numbers.

A Quick Recap: Card at a Glance

With an annual fee of $95 and a good sign-up bonus, this card looks like it has some good promise for rewards.

Unfortunately, your AAdvantage bonus miles and card-earned miles will not go toward elite status, but you#8217;ll still be able to make use of the extra points you earn.

An Example Traveler: Using Our Model Families

For the average work traveler, hitting 25,000 elite qualifying miles to get Gold Status in a year isn’t that hard. Let’s use The Kennedys for this example.

Here is their yearly spend:

We#8217;ll have to make some assumptions for the math. Let#8217;s say that Mr. Kennedy#8217;s work flies him in full-fare main cabin class. This means he#8217;ll earn 1.5 EQM#8217;s for each mile flown.

He#8217;ll also earn 5 award miles/dollar (award miles are the miles we earn, EQM#8217;s are only for status), and when he reaches Gold he#8217;ll earn 7 miles/dollar.

If we assume he takes 10 trips (20 one-ways), each flight is an average of 2,500 AAdvantage miles round-trip, and each costs $400, then we can make some calculations.

The new system is a bit more complex, but it actually works out in your favor if you#8217;re purchasing above the discount fare. You#8217;ll earn Elite status much more quickly, but you may not earn as many award miles.

In this case, Mr. Kennedy earns Gold status after his sixth trip. This means that for the seventh through tenth trips he#8217;ll earn the 7 award miles/dollar.

From these trips, he#8217;ll earn 23,200 award miles based on our assumptions. Further assuming he waits until he earns Gold to book his personal flights, he#8217;ll earn 7 miles/dollar and get 16,800 pts.

Adding in the 20,200 points from the #8220;other#8221; category, he will total 60,200 miles.

For this amount of award miles, Mr. Kennedy can easily redeem domestic travel at the typical MilesAAver rate of 25,000 points round-trip (

$0.012 per mile for a $300 round-trip flight).

He can also get a reduced-mileage fare for as little as 17,500 points (goes up to

$0.015 for the same flight, taking into account the extra $35 fee).

If he is traveling less than 500 miles in the U.S. and Canada, he can get a round-trip for 15,000 points!

Or, he can extend the value of his points if he decides to fly internationally, since a typical one-way flight to Europe costs 30,000 points for economy class.

This is enough points for one round-trip flight, and makes the value of the mile go up to

$0.02 per mile if he uses a standard $1,200 price for an economy round trip international flight.

Bottom Line: Mr. Kennedy can get anywhere from 2 one-way international trips to 4 domestic round-trip flights! This could be valued around $1,200.

Valuation of International Flights

If Mr. Kennedy wants to book business or first class, he can do so for 57,500 and 85,000 book a one-way business or first ticket, respectively.

We#8217;ll assume that a round-trip business ticket costs

$8,000 and a first costs

This makes the value of the points around

$0.07 each. Certainly, these are much higher values than their economy class counterparts.

Bottom Line: Mr. Kennedy can get 1 one-way flight in business per our calculations. This could be worth

Let’s look at some fringe benefits. If you’re going to be traveling domestically, you may have to check a bag, which costs $25 for the first and $35 for the second.

Internationally, you get one free checked bag while the second is $100. If you’re a Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® member, you get your first bag free.

Note that if you have Gold status or above, you get a free first bag as well, while Platinum and Executive Platinum get 2 bags free.

Mr. Kennedy#8217;s Savings: Bags and Beverages

Mr. Kennedy could save $50-$120 round-trip depending on if he has 1 or 2 bags, which is pretty great! Flying with his family, he could save even more.

In that case, he can get up to 4 additional travelers#8217; bags for free (as long as he paid for everything on his card). This could save upwards of $600 if everyone has 2 checked bags!

If he likes to purchase things in-flight, then the 25% off deal will save him money as well. Buying 2 drinks at $7 each over 4 flights, he#8217;d spend $56.

With the 25% off, it only costs $42, saving him $14. Every little bit helps, and things like this go toward making the $95 annual fee a little more palatable.

Bottom Line: Mr. Kennedy can save on bags and in-flight purchases. A personal trip may save $50-$130+, while a family trip could save $600+!

Finally, let#8217;s not forget that Mr. Kennedy will get mileage rebates when he redeems. At a healthy 10%, for every 10,000 AAdvantage miles spent he will get 1,000 back.

This means for that 60,000-mile round trip international flight, he will get 6,000 miles back to use again.

If you calculate the value of the miles for that trip (54,000 miles net), a $1,200 economy ticket equivalent makes the miles worth $0.022 a piece, which isn’t bad at all!

Spending 100,000 miles gets the maximum amount back per year: 10,000 miles. This is worth at least a one-way domestic flight (

Bottom Line: The Mileage Rebate on the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® adds up to another

$150 in value if used in full each year!

Matrix mastercard reviews Once you start looking for opportunities where the card can save you money or earn you back some value, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® really starts to add up!

Summing it Up: The Value of the Citi AAdvantage Card

Let#8217;s add up all the potential savings and value that we discussed over the course of the math section.

1 one-way in business class or up to multiple round-trip domestic flights

$150 to $600+ depending on usage and elite status

If you travel in a similar fashion to Mr. Kennedy, you can easily pay for the annual fee and then some using this card!

Bottom Line: Hopefully it’s obvious from this Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® review that with the multitude of benefits, you likely won’t have trouble finding value in the card.

The Gritty Details: Everything Else You Need To Know

The card is pretty straightforward, although it has a lot of different perks that can be difficult to keep straight. We’ll list them all here so you have a complete idea of what the card offers.

Note that, like most cards, it may take 8-10 weeks for your sign-up bonus to post to your account after you#8217;ve met the minimum spend.

One thing to note is that to take advantage of these offers, you have to have had the account open for more than 7 days. So if you’re trying to quickly open and book a flight, make sure you leave yourself at least a week of slack.

First checked bag free – You must have purchased the flight with the card and used your AAdvantage number. Get up to 5 free checked bags for travel companions booked on the same flight (yourself and 4 others).

This benefit is available on AA flights, but not flights that are codeshared (AA miles are earned but operated by another airline).

Boarding privileges – Group 1 boarding privileges applies to AA flights and ensures you get on the plane first amongst non-status members. The advantage is finding overhead bag space so you don’t have to check them.

Double miles – To get the double miles for purchases through the airlines, you must book directly with the airlines or through any of their own portals.

Double points are not granted for hotel reservations, car rentals, vacation packages, purchased status boosts (or purchasing to maintain one), AA Cargo services, and duty free shops.

10% miles back – Your card account must be open and in good standing. You will get the 10% back within 6-8 weeks of the redemption, but you can only get 10,000 miles back each year, regardless of your redemptions.

So if you’re redeeming more than 100,000 miles in a year (which is really not that many if you consider an international one-way redemption can cost 30,000), be sure to calculate the value of the miles. If you have reached 100k, you may want to consider using another airline if you can find better value.

25% savings on eligible in-flight purchases – For the purchase of food, beverages, and headsets only. Unfortunately, you cannot get 25% off WiFi or DutyFree shopping, which is a bit disappointing.

Also, this is not an immediate discount; instead, you will be credited back within 6-8 weeks on your card.

Reduced mileage awards – Every other month, you can call into the AA help desk or simply walk up to an agent desk at the airport and book a reduced mile award flight.

It’s best when used for a round-trip (at 7,500 miles), although you can use it for one-way at half the value.

However, instead of the usual taxes of around $5-10, you will pay a $20 fee if you booked through a Travel Center, or $35 if you book through a gate agent. This fee is waived if you are Executive Platinum.

The rest of the benefits are general benefits available to most Citi credit card customers.

Apple Pay – The tap-to-pay service that is now widely-accepted around the country (and perhaps the world). Use your Apple device as an electronic wallet so you don’t have to carry your card if you don’t want to.

Extended warranty – Up to an extra year of warranty for warranties that total 5 years or less, or double the warranty for anything under a year. You can get $10,000 of repair, replacement, or refund.

The benefit is only available if the manufacturer has not paid you, and there are many exceptions to items you can get warranties for (high dollar items like cars and boats, extended warranties, etc.).

It can be difficult to track warranties, but if you have an item it may be worth using this benefit for, be sure to keep all the purchase and warranty information for when you need to make a claim.

Citi Price Rewind – You can register a product on their Price Rewind site, and the credit card issuer will track pricing changes on the item for the next 60 days. If a lower price is found, you have to go in and request the money to be sent to your card.

You can get up to $300 for any one item and $1200 per year. It takes a bit of work to track this, but if you have an item that is somewhat expensive, you may be able to get some great value out of this benefit!

Damage theft purchase protection – With a $50,000 per year maximum, you can get up to $1000 back for any item that is damaged or stolen within 120 days of purchase. Be sure to keep all your product information.

Also, this insurance is technically secondary, so if you have any other policies under which you could claim this, then you will not be able to use this insurance.

Travel and emergency assistance – Services are available 24/7 if you need help with emergency travel arrangements, have travel issues, or need medical and legal referrals.

Refer to your policy to see what other types of assistance can be provided. You#8217;ll find this very helpful if you don’t want to go through the hassle of finding someone to help in a foreign location, especially if they no one speaks English!

Worldwide travel accident insurance – This benefit offers up to $500,000 back to pay for any medical bills or other related costs in the case of a severe accident. It applies to travel itself, so the accident must be related to airlines, trains, etc.

Car rental insurance – Get up to $50,000 in coverage for any accidents when you are renting a car with the card. Like any insurance benefit, you must decline the other insurance offers to be eligible.

The coverage has some limitations based on what you rent.

Lost baggage insurance – Coverage for up to $3,000 per person, per trip (but only $2k for NY residents, sorry!) for any bag incidentals such as being lost, stolen, or damaged by the carrier. Make sure you know what’s in your bags!

Trip cancellation interruption protection – For trips where you have to cancel or get interrupted for a reason outside your control, you can get up to $1,500 per person for any non-refundable travel expenses.

There are limitations such as trip length of 60 days or less, you must attempt to get reimbursed by the carrier, and you must have an accepted reason:

  • Personal illness, whether yourself or someone in the family
  • A natural disaster hits
  • Travel is prevented due to natural disasters or severe weather for 24+ hours

Don’t try to get reimbursed for trips you simply missed a flight for!

Photo Credits/Credit/Copyright Attribution:
Executive in Airport: toocanimages/Shutterstock

Friends Enjoying Dinner: Monkey Business Images/Shutterstock

Receiving Gift: o.drozdenko/Shutterstock

Airport Hotel: PathDoc/Shutterstock

Starwood Preferred Guest#174; Credit Card from American Express

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    Is the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® worth it? What are the Citi Platinum benefits?

    There are definitely advantages to this card (no pun intended!). The card offers decent earning of points for purchases, but it also offers you some good fringe benefits.

    Without being an elite status member, you get a free checked bag for yourself and up to 4 others, as well as boarding privileges on flights.

    You also save 25% on in-flight food and beverage purchases, which helps save a little time when traveling if you don#8217;t want to eat at the airport.

    One of the bigger benefits, however, is getting a 10% rebate for all your redeemed miles (up to 100k per year). That means you can potentially save 10k miles per year to use on future rewards.

    On top of that, you get access to reduced mileage rewards, which enable you to spend even less when you DO redeem.

    You#8217;ll also get card benefits such as Apple Pay, extended warranty, Citi Price Rewind, and damage/theft purchase protection, plus insurances for travel, accidents, car rentals, lost baggage, and trip cancellation.

    Not bad for a card that costs $95 per year!

    Are there other Citi / AAdvantage credit cards?

    What is the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® login?

    The login is the same place you would log in to any other Citi accounts. There, you can access your purchases and calculate your points earned.

    To access your AAdvantage benefits and current miles balance, you must log in to your AAdvantage account.

    What are AAdvantage reduced mileage awards?

    These specials will cost 3,750 AAdvantage miles less each way, or save you 7,500 round-trip. To book them, however, you must either call in or purchase it from the ticket agent at the airport.

    What is the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® foreign transaction fee?

    The foreign transaction fee on this card is 3%.

    What is the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® travel insurance?

    With the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®, you get access to a variety of travel insurances.

    The first is travel and emergency assistance. This is a 24/7 hotline to be used if you need help with travel arrangements, medical and legal referrals, or other issues in case of emergency while on travel.

    Next is worldwide travel accident insurance. This covers you for up to $500,000 in case of a severe accident by a carrier. This can cover medical bills and other related costs.

    Third is lost baggage insurance. If your bags are ever lost, you get coverage for up to $3,000 per person each trip.

    You#8217;ll get trip cancellation and interruption protection as well. If you have to cancel for any reason outside of your control, you can get up to $1,500 back per person for purchases that are non-refundable.

    Finally, you get car rental insurance up to to $50,000.

    Does the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® have a 0% APR offer?

    No. At this time there is no 0% APR offer for this card.

    When do points expire on the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®?

    When do Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® miles post to your account?

    According to their card agreement, miles can take 8-10 weeks to post into your account.

    What is the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® annual fee?

    When does AAdvantage elite status expire?

    Your elite status is good from the moment you earn it through the end of that year, then the next full year PLUS through February of the year after. For instance, status earned in March 2016 is good through the rest of 2016, all of 2017, and January-February of 2018.

    How do I get priority check-in on American Airlines?


    Review of the Walmart® Credit Card and Walmart® MasterCard

    Mar 20, 2015 | Updated Feb 07, 2017

    Although Credit Card Insider does receive compensation from some card issuers as advertisers, this does not in any way influence our overall judgement of a card. Walmart has not endorsed this content in any way.

    Walmart offers two credit cards for general consumers: the Walmart® Credit Card and the Walmart MasterCard ® .

    These cards offer special financing for large purchases, as well as cash back at Walmart and Sam#8217;s Club.

    If you#8217;re a frequent shopper of one of these superstores, you may want to check these cards out to see what kind of discounts and benefits you could be getting.

    Where Can I Use My Walmart Credit Card?

    The Walmart Credit Card can only be used at Walmart and Sam#8217;s Club. This includes their associated gas stations and websites. You can also pay off your card balance at either of these two stores.

    The Walmart MasterCard can be used anywhere MasterCard is accepted.

    For People with

    • Annual Fee: $0
    • Interest Rate: 23.15% *Variable
    • No annual fee
    • Fraud protection
    • Free FICO credit score
    • 3% cash back at Walmart and Sam's Club
    • 2% cash back at Walmart and Murphy USA gas stations
    • 1% cash back everywwhere else
    • Special financing offers for 6 or 12 months

    For People with

    • Annual Fee: $0
    • Interest Rate: 17.15%, 20.15%, or 23.15% *Variable
    • No annual fee
    • Fraud protection
    • Free FICO credit score
    • 3% cash back at Walmart and Sam's Club
    • 2% cash back at Walmart and Murphy USA gas stations
    • 1% cash back everywwhere else
    • Special financing offers for 6 or 12 months

    The rewards offered by these cards are the exact same:

    • 10% discount on a Walmart purchase on the day you#8217;re approved (up to $250)
    • 3% cash back at Walmart, Sam#8217;s Club, and their websites
    • 2% cash back on fuel at Walmart gas stations and Murphy USA gas stations (excluding Murphy Express)
    • 1% cash back everywhere else

    Your rewards can be redeemed as statement credits to reduce your balance.

    These cards come with almost the same benefits. The only difference is that the MasterCard version may come with a range of extra benefits provided by MasterCard

    Check your Guide to Benefits for details on the specific benefits you have access to.

    Walmart offers two financing plans for large purchases made with each card. No interest is paid as long as the entire purchase is paid off in full by the due date. Take note that if you fail to pay off the entire balance by the due date, you#8217;ll be charged interest going all the way back to the date of purchase. This can be a very costly mistake.

    There are 2 financing tiers for purchases of different amounts:

    Access your credit score online at any time.

  • Add additional family members at no cost.

  • 6 or 12-month special financing offers #8211; see table above.

  • MasterCard Benefits (Walmart MasterCard only)

    This card comes with MasterCard benefits. You will be provided with a list of benefits available to you once you get approved for your card.

  • You will not be held responsible for unauthorized charges made on your card.

    Like other store cards, the Walmart Credit Card and Walmart MasterCard are best suited for frequent shoppers of the store in question, in this case Walmart. Each of these cards will have a high APR, so you#8217;ll want to avoid revolving a balance from month to month.

    These cards could come in very handy for making and paying off large purchases for no interest, as long as you can pay off the entire balance before the due date. Failing to do so will be costly, negating all of the possible benefits of the cards.

    Customer service for this card is lacking. It seems impossible to get additional information about the card ahead of time from a customer service representative; to access their help line you need to be a cardholder already, but if you#8217;re not a cardholder you won#8217;t be able to speak to anyone. Be aware of the little things like this when considering credit cards.

    Apply for the Walmart Credit Card or MasterCard

    Want to apply for or learn more about one of these cards? Just click the card#8217;s name below.

    For People with

    • Annual Fee: $0
    • Interest Rate: 23.15% *Variable
    • No annual fee
    • Fraud protection
    • Free FICO credit score
    • 3% cash back at Walmart and Sam's Club
    • 2% cash back at Walmart and Murphy USA gas stations
    • 1% cash back everywwhere else
    • Special financing offers for 6 or 12 months

    For People with

    • Annual Fee: $0
    • Interest Rate: 17.15%, 20.15%, or 23.15% *Variable
    • No annual fee
    • Fraud protection
    • Free FICO credit score
    • 3% cash back at Walmart and Sam's Club
    • 2% cash back at Walmart and Murphy USA gas stations
    • 1% cash back everywwhere else
    • Special financing offers for 6 or 12 months

    If you use one of these credit cards, how do you like it? Leave your own review of the Walmart Credit Card or the Walmart MasterCard, we#8217;d love to hear from you!

    Looking for a rewards credit card you can use anywhere?

    Browse rewards credit cards on our partner#8217;s site below.

    • Earn rewards with your everyday spend, and get a little closer to your next vacation.
    • Use rewards to book hotels, air travel, gift cards, or to cover travel expenses like Uber.
    • Loyalty pays off — earn additional rewards when you use your card to book a qualifying trip with your favorite hotel or airline.
    • Enjoy additional travel perks like travel insurance, waived foreign transaction fees, and airport lounge access.
    • Terms vary by partner offer. Please see each bank#8217;s application for terms and conditions.
    • Clicking Apply Now will take you to CreditCards.com where you can compare Travel Rewards cards from participating partners.

    It#8217;s like GE Capitol, screws a nice rewards; proprietary CC! These bishes, do it, by design; via the pour! BASTARDS! Go pimp Wal-Mart!

    Yeah now, it#8217;s easier, to send dinero; to Mexico. Now WE HAVE THE FIAT CURRENCY NIGHTMARE; WHILE THEY GET MUCHO PLATTUS!

    I want a shade grown coffee farm, in Gautama-la. Who the F, is with me?

    Not sure what you meant when you said neither of the cards is the best option for an educated consumer. As a young adult I am trying to build my credit and have done some research on how to best go about it.

    Good question. To clarify, it seems to me that the Walmart credit cards appeal initially to Walmart shoppers because of the marketing directed toward new applicants, but there are much better cards out there for folks like you who are trying to be careful and smart.

    I would recommend any one of these before the Walmart card:

    Chase Freedom, which also has the 5%/1% cash back structure and has a nice $100 bonus offer right now #8211; http://www.creditcardinsider.com/credit-cards/chase/freedom-visa/

    All of these cards are good for people building credit, and they are all much more versatile and generous than the Walmart cards. Walmart, by the way, is currently offering a $25 bonus after $75 in qualified purchases, so I wouldn#8217;t rule it out completely. It#8217;s just not a card I#8217;d rely on for regular use.

    Good luck in your research!

    Did you really say walmart cards appeal to walmart shopper? No shit captain odvious, wow u r smart for a dumb arse

    For getting Walmart Discover how long history should I have, I#8217;ve just opened cap1 secured card with 500 CLI and it has 3 months history, everything paid off full #8211; credit score is 738

    With a credit score of 738, you#8217;re in good shape to apply for this card. But the answer is that all credit card issuers keep their criteria somewhat secret. Their stock response is to apply and see what happens.

    Walmart advertises that you get a $25 credit for a $75 purchase made the same day. I opened one to get the credit and made the purchase the same day. When I got my statement no credit was given. Called the bank and was told Walmart gave them information that I opened the account 11/27 but didn#8217;t make the purchase until 12/2. I looked up my order history and in black and white it says that my order was made on 11/27. It is wrong that they would make a customer pursue the promo that is promised to them and seems completely fraudulent to give false information to the bank in order to avoid giving the promo.

    Thanks for sharing, Laura.

    That sounds strange, perhaps there was a delay in processing somewhere. Did you try showing the bank proof of your purchase on 11/27?

    Hi Laura, I just had success with getting my $25 credit. I called Walmart at this number 1 866 611 1148. The customer service rep Margo said she#8217;ll tell someone else in another department (maybe someone in a higher up position) to manually put the credit in.

    My info isn#8217;t falsified like yours is, so it may or not work for you. Although you called Sychrony bank and I called walmart so that might be why I had success.

    Good Luck and pay it forward by passing this info on.

    If I had a walmart credit card for 1 year how can I switch to a walmart master card

    @disqus_sMEQyengqq:disqus Thanks for your question. I would first try calling the customer service number on the back of your card, and asking if you can switch your account over to the WalMart MasterCard.

    If they can#8217;t do that for you, you#8217;ll need to apply for the Walmart MasterCard directly, as you normally would.

    It says that the special financing can only be used only in store but they don#8217;t carry what I#8217;m looking at in store so how can u get the financing ??

    I applied for a WM- Master Card and they sent a regular blue credit card which I already have, but in my log in, It shows I have a Master card and shows the last 4 numbers on my account, the only thing I am missing is my 3 number pin, whats the deal ? I need a master card#8230;

    I just received walmart credit card and am very confused.

    When I got approved for my credit, with a $500 limit, I made a big purchase of $450. The credited me $35. Now, each month will I be paying interest? Even if I am paying for it each month, on time? I don#8217;t understand what it tells me on the walmart website. Any information is much appreciated.

    Hi @disqus_XzIXjnVGRK:disqus, I#8217;m not sure I fully understand your question and what you mean by #8220;credited me $35.#8221; For most credit cards, as long as there is no introductory 0% APR or something like that, you will pay interest on anything you haven#8217;t paid off in full. So if you bought something for $450 and only paid $35 back by the due date for that statement, you#8217;ll get charged interest on the rest.

    I have s wal-mart credit card but I need to know how do I find out my Fico score each month it doesn#8217;t show me on my profile how to do that anyone know..I called customer service she gave me equal fax number to call why would I have to do that each month call them they said they will send it to you with your monthly bill..is anybody else going through my situation.or can someone tell me how will I check my Fico score each month its not showing up in my profile each monthwhere do I check in at each month I don#8217;t know where to go to check my Fico score every month and it#8217;s supposed to be free where is @ each month

    Let me start by saying that I would absolutely NOT recommend getting a credit card through Walmart. It#8217;s not the card itself (though the interest rate is high, even with good credit); it#8217;s the customer service that you#8217;re obligated to speak to when something goes wrong with your account. After being in customer service for over 10 years myself, I will, without hesitation, state that Walmart has the WORST customer service representatives and supervisors I#8217;ve ever worked with in my entire life. When I first received my Walmart credit card, I attempted to use my card to pay for my groceries. They charged the single charge to my card twice, which took two weeks and speaking with managers several times to get this duplicate charge removed. It was clear no one was eager to assist me and have this duplicate charge resolved. If I had not stayed on top of it, they would have had me pay for the charge twice in a heartbeat.

    I recently attempted to make two charges to my card on the same day (because I needed two separate receipts) and the second transaction was declined. I called customer service to see why this was the case, as there was more than enough balance on the card to make the payment. My account had been frozen and I was unable to verify who I was because I had changed phone numbers and no longer had access to the number I originally signed up with. I had already update my new phone number on my online account (as well as removed the old one), but Walmart never updated that in their system. They would not accept personal information, such as social security number- they specifically needed me to call from the old number, which I no longer had access to. Because I was unable to #8220;prove#8221; who I was by calling from the old number, I was asked my a condescending customer service manager, Anna Reeds, to mail over a copy of my ID/drivers license and paperwork from my phone carrier with my new phone number. I specifically explained to Anna that neither my ID nor paperwork had my current address (which I had also updated on my online account). She said that this did not matter; that they only wanted to see my name on both the ID and paperwork, as well as the new number. When I asked her how long it would take for them to verify this information, she told me anywhere from 14-21 days. I asked her if I would be called when the information was received and she said no. When I asked if that meant I would just have to keep calling them back, she sarcastically responded with, #8220;yup, I guess so.#8221; At one point, after I had attempted to give my social security information, address, etc.- Anna even made the comment, #8220;well, we didn#8217;t ask you for all your personal information#8230;#8221; in a manner that implied that if anything were to happen with my personal information- it#8217;s on me for dishing it out.

    That day, I sent the paperwork Anna Reeds had requested with the reference number, copy of drivers license, paperwork and a note explaining the situation. I called three weeks later to ensure they received my paperwork, so, I could access my account and make a timely payment, as I always have. After speaking with a customer service representative who quickly told me that my paperwork was declined due to the address on my phone bill not matching my current address, I immediately asked to speak to a supervisor. This supervisor (Ria, who told me they can no longer give out their last names) told me, #8220;sorry about the incontinence- what we can do is send a complaint to Anna for giving you false information,#8221; but that I#8217;d still have to resend all the documentation with an updated address. Basically, I had to go out of my way to get this paperwork printed out from my phone carrier as told by the rude, condescending original supervisor, Anna Reeds, mail it and wait three weeks for it to be declined. Because their is a flaw in the Walmart credit card system, they have no other way of verifying who you are as EVERY other credit card service does.

    After these two awful experiences with Walmart#8217;s customer service supervisors, as soon as this issue is resolved, I will be paying off the balance on the card, and cancelling my card. Never again will I use them, again, solely because of their absurd policy and extremely poor customer service. My advice to anyone considering getting a card with them- do NOT do it. If you ever run into any issues (which I ran into two huge ones within one year), you will have to jump through hoops to have it resolved.

    If anyone#8217;s not getting the $25 credit when they have the promotion -spend $75 and get $25 credit I just had success with getting my $25 credit. I called Walmart at this

    number 1 866 611 1148. The customer service rep Margo said she#8217;ll tell

    someone else in another department (maybe someone in a higher up

    position) to manually put the credit in.

    I received my walmart mastercard and been using it purchasing online. yesterday i went out shopping at wm store,,upon using my walmart mastercard at the register, the machine was asking for a PIN, which i am unaware of. I ended up using my debit card on all my purchases. Can you help me so i wont have any problem next time i go to any wm store,,thanks!

    I recommend you call the phone number on the back of your card. Since we#8217;re a website that reviews credit cards and educates about credit I don#8217;t have any way to help you with your specific account.

    Does it cost me out of the pocket to get a Walmart credit card

    There is no annual fee and no up front cost to get either Walmart card, but you may have to pay fees or interest depending on how you use the card. If you are new to credit cards I recommend you read this guide: https://www.creditcardinsider.com/learn/definitive-guide-how-to-build-credit-with-credit-cards/

    Can I use my walmart credit card at Murphy gas stations?