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Citi AA Advantage Milesup card effectively a 5% cash back on grocery (on AA flight)?

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Anonymous
Not applicable

Citi AA Advantage Milesup card effectively a 5% cash back on grocery (on AA flight)?

This no AF card gives 2miles per dollar at grocery stores. AA's mile worth about 2.5c per mile. Seems a good card for those who doesn't regularly fly on AA, but can use the award travel occasionally?

 

Any negative I didn't notice?

 

If all looks good, I may go for it in 2H of 19.

Message 1 of 7
6 REPLIES 6
imaximous
Valued Contributor

Re: Citi AA Advantage Milesup card effectively a 5% cash back on grocery (on AA flight)?


@Anonymous wrote:

This no AF card gives 2miles per dollar at grocery stores. AA's mile worth about 2.5c per mile. Seems a good card for those who doesn't regularly fly on AA, but can use the award travel occasionally?

 

Any negative I didn't notice?

 

If all looks good, I may go for it in 2H of 19.


The value depends on how you're planning to redeem those miles. On average, 2.5 is a little too generous, though. If you can find availability for premium class tickets, it's possible to get that kind of return or even better. But, you're going to need a ton of points and a ton of patience too.

Message 2 of 7
Anonymous
Not applicable

Re: Citi AA Advantage Milesup card effectively a 5% cash back on grocery (on AA flight)?


@Anonymous wrote:

This no AF card gives 2miles per dollar at grocery stores. AA's mile worth about 2.5c per mile. Seems a good card for those who doesn't regularly fly on AA, but can use the award travel occasionally?

 

Any negative I didn't notice?

 

If all looks good, I may go for it in 2H of 19.


Is 2.5cpp your estimate?   TPG has American as 1.4cents, making this a less impressive 2.8 on groceries.

Message 3 of 7
Anonymous
Not applicable

Re: Citi AA Advantage Milesup card effectively a 5% cash back on grocery (on AA flight)?


@Anonymous wrote:

@Anonymous wrote:

This no AF card gives 2miles per dollar at grocery stores. AA's mile worth about 2.5c per mile. Seems a good card for those who doesn't regularly fly on AA, but can use the award travel occasionally?

 

Any negative I didn't notice?

 

If all looks good, I may go for it in 2H of 19.


Is 2.5cpp your estimate?   TPG has American as 1.4cents, making this a less impressive 2.8 on groceries.


Maybe some flights are cheaper, lol, YMMV. I don't think TPG really have a good valuation, he kept talking about coming up with a formula, but he never did. Its all his guts atm.

 

On a second thought, all US airlines are devaluing the program values (delta being the worst). I may just stick to my Amex ED, it gives 2.2 points at grocery, which, if I transfer to BA Avios, does something close to 4.5-5% on AA flight (availability seems to suck a bit).

Message 4 of 7
Loquat
Moderator Emeritus

Re: Citi AA Advantage Milesup card effectively a 5% cash back on grocery (on AA flight)?

I agree that 5 cpp for AA miles are more than generous.  Heck, even getting 1.4cpp can be a stretch.  But I will say that I no longer have interest in any airlines program.  They are all kinda blah if your only earning comes from daily spend vs actual flights.  As the year comes to a close so does my interest in airline cards. 

 

I'll PC my AAdvantage Platinum to something else...I'll keep my Alaska Airlines as the annual companion ticket wells exceeds te $75 annual fee even with the $99+tax charge.  

 

With all the competition I find that traveling domestically isn't that expensive anyway.  First class isn't that great in domestic unless you're flying from a really big city as I'm in the Midwest and unless my destination is REALLY popular, it's going to be on a regional carrier anyway.  In my opinion, First Class on Alaskas' SkyWest isn't that much better than main cabin anyway.  JetBlue doesn't fly out of my city but that would be the only first class of interest to me with their new Mint Suite (and even that only has select destinations at the moment).  

 

I'm moving strictly towards hotel points...more specially Marriott.  With the combination between my wife and I we have the Amex Gold, Amex Platinum, Everyday Preferred, Blue Business Plus, SPG Luxury, and SPG Business.  This lineup covers every way we can possibly maximize our points for Marriott stays and transfer. 

 

With the increased annual fee there is no need for us to keep the PRG turn Amex Gold as that is pure redundancy as a combination of SPG Business and EPD (we always hit the 30 transactions needed for the 50% bonus) covers dining and grocery.  In our situation we get much more value from Marriott points that we could ever get with airline miles or even transfer to partners.

 

My current situation breaks out as such:

 

EDP for grocery (while meeting the 30 transactions) nets 4.5x points

SPG Business nets 4x points or dining, fuel, and cell service

Blue Business Plus is 2x/dollar for all of our non category spend (redundant as well because it earn 2x the same as if I use any SPG card..only keep because no annual fee)

Platinum for domestic travel at 5x 

SPG Luxury only because the $300 annual credit and the 50k point award night more than covers the annual fee and that's even if we never spend a cent on the card.

 Chase Marriott Visa at 2x for all places that don't accept Amex.

 

 

All of this makes for a LOT of Marriott points and it's so much easier to land a nice hotel than it is to land a sweet point on an airline.  A lot of thought when into our strategy but we're thinking this will serve us well for the time being. 

Message 5 of 7
wasCB14
Super Contributor

Re: Citi AA Advantage Milesup card effectively a 5% cash back on grocery (on AA flight)?

Keep in mind there are many factors that can make two savvy people value miles differently:

 

Frequency of travel...more opportunities to redeem means you can be pickier about redemption values.

Status...award availability, upgrades, waived fees, perks

Comfort...lounge access, avoiding certain airlines or hotels

Getting 10% of miles refunded

Convenience and cost of ground transportation to different airports

Economy vs. luxury travel

Domestic vs. international

Non-stop vs. layover flights

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 6 of 7
mongstradamus
Super Contributor

Re: Citi AA Advantage Milesup card effectively a 5% cash back on grocery (on AA flight)?


@Loquat wrote:

I agree that 5 cpp for AA miles are more than generous.  Heck, even getting 1.4cpp can be a stretch.  But I will say that I no longer have interest in any airlines program.  They are all kinda blah if your only earning comes from daily spend vs actual flights.  As the year comes to a close so does my interest in airline cards. 

 

I'll PC my AAdvantage Platinum to something else...I'll keep my Alaska Airlines as the annual companion ticket wells exceeds te $75 annual fee even with the $99+tax charge.  

 

With all the competition I find that traveling domestically isn't that expensive anyway.  First class isn't that great in domestic unless you're flying from a really big city as I'm in the Midwest and unless my destination is REALLY popular, it's going to be on a regional carrier anyway.  In my opinion, First Class on Alaskas' SkyWest isn't that much better than main cabin anyway.  JetBlue doesn't fly out of my city but that would be the only first class of interest to me with their new Mint Suite (and even that only has select destinations at the moment).  

 

I'm moving strictly towards hotel points...more specially Marriott.  With the combination between my wife and I we have the Amex Gold, Amex Platinum, Everyday Preferred, Blue Business Plus, SPG Luxury, and SPG Business.  This lineup covers every way we can possibly maximize our points for Marriott stays and transfer. 

 

With the increased annual fee there is no need for us to keep the PRG turn Amex Gold as that is pure redundancy as a combination of SPG Business and EPD (we always hit the 30 transactions needed for the 50% bonus) covers dining and grocery.  In our situation we get much more value from Marriott points that we could ever get with airline miles or even transfer to partners.

 

My current situation breaks out as such:

 

EDP for grocery (while meeting the 30 transactions) nets 4.5x points

SPG Business nets 4x points or dining, fuel, and cell service

Blue Business Plus is 2x/dollar for all of our non category spend

Platinum for domestic travel at 5x 

SPG Luxury only because the $300 annual credit and the 50k point award night more than covers the annual fee and that's even if we never spend a cent on the card.

 

All of this makes for a LOT of Marriott points and it's so much easier to land a nice hotel than it is to land a sweet point on an airline.  A lot of thought when into our strategy but we're thinking this will serve us well for the time being. 


While we are at it I will throw in my current card set up . Gold for 4x restaurants groceries, ink unlimited for non category spend, and ink cash 5x for amazon gc and shell gc for gas. CIP for 3x travel and 3x on cell phone for the insurance. I will occasinally use my ink cash for 2x gas and restaurants if the place i go won't take amex. 



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