Who it's for
Airline loyalty
Bag fee savings often exceed the $99 fee on a single round trip with two travelers. Solid entry-level AA card especially for occasional American flyers.
Airline loyalty
| Category | Rate | Typical spend |
|---|---|---|
| Dining | 2x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 1.4x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 2x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Points, 1 transfer partner
American AAdvantage