Citi / AAdvantage MileUp Card
Annual fee
$—
Foreign txn fee
—
(Direct link to issuer does not currently earn a commission on this card.)
Transfer to airline & hotel partners
Points earned with this card transfer to 3 partner programs via American AAdvantage.
| From | Ratio | Notes |
|---|---|---|
| Citi ThankYou Rewards | 1:1 from Citi Strata Premier, Strata Elite, and Prestige (premium cards); 1:0.7 from no-annual-fee Citi cards | Added July 27, 2025 — Citi ThankYou is now a major flexible-currency program that transfers to AAdvantage, making it AA's most strategic on-ramp. Premium-card holders get 1:1; no-annual-fee Citi cardholders transfer at a worse 1:0.7 ratio. Typically near-instant transfer. No federal excise tax pass-through. |
| Bilt Rewards | 1:1 | Direct, typically near-instant transfer. No federal excise tax pass-through. |
| Marriott Bonvoy | 3:1 with 5K bonus per 60K block (effective 2.4:1 in 60K increments) | Hotel-to-airline transfer; Marriott absorbs the federal excise tax, no fee passed through. Transfer in exact 60K blocks to capture the 5K bonus. Posts in 2-7 days, not instant. |