5 Lesser-Known Benefits of the Citi AAdvantage Platinum Select Mastercard

Nov 13, 2017

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

For American Airlines flyers, the Citi / AAdvantage Platinum Select World Elite Mastercard is one of the best options out there. It provides benefits that can make flying American Airlines better — even if you’re flying in basic economy. It’s also a useful card for travelers that don’t fly on American much, since it provides an avenue to diversify the miles in your award travel portfolio. There are plenty of reasons to add this card to your wallet, including the card’s current sign-up bonus of 60,000 miles when you spend $3,000 in purchases within the first three months of account opening.

Aside from the sign-up bonus and the benefits directly related to flying on American Airlines, such as Preferred boarding in Group 5 and being able to check your first bag for free on domestic itineraries, the card features some perks that aren’t as widely advertised. Here are five of the Citi / AAdvantage Platinum Select Card’s other benefits that are worth knowing about.

In This Post

1. Purchase Protection

If you make a purchase with your Platinum Select Card, it’s covered under many circumstances. If the item is damaged or stolen within 90 days after purchase, Citi may repair the item or reimburse the cost of the item. The card covers up to $10,000 per incident and up to $50,000 per year, per Citi card account.

Citi considers the first 90 days to start when the new item is purchased or when it’s delivered — whichever comes first. You must have purchased the item at least in part with your Platinum Select Card in order for it to be eligible for the card’s coverage. If you didn’t pay for the item completely with your Platinum Select Card, the card’s protection will only cover up to the cost that was put on your Platinum Select Card.

Note that this coverage is secondary, so if you have other coverage you’ll need to file with that coverage first. Coverage doesn’t apply if the item wasn’t reasonably cared for the prevent the damage or theft; the item is used in a way that goes against the manufacturer’s instructions or warnings, or is altered from its designed purpose; the item is damaged because of a product defect or experiences normal wear and tear where no failure has occurred; the item is damaged because of an act of God; or the item was under the care and control of a third-party.

Purchases that aren’t eligible for this coverage include but are not limited to boats, cars, aircraft or any other motorized land, air or water vehicles and their original equipment; products that can spoil or be consumed; currency, cash, gift cards or traveler’s checks; tickets of any kind; items purchased for resale, professional or commercial use; advice or services for a purchased item; watches or jewelry; and fire arms or ammunition.

To file a claim, call 1-866-918-4670 as soon as possible after the incident. You’ll need to return all request documents within 180 days of the date of the incident. You may be asked to provide the damaged item for inspection; for stolen items you’ll need to provide a police report.

2. Worldwide Car Rental Insurance

With so many things that could go wrong when renting a car — from a scratch to a collision — it’s nice to know that your credit card has you covered. The Citi / AAdvantage Platinum Select Card does just that. If you experience an accident or theft involving your rental car, this insurance benefit will cover part — if not all — of the cost. Note that coverage is secondary in the US and primary abroad.

The car rental insurance protection covers up to $50,000 toward the cost of repairs or the cash value of the car — whichever amount is less. You’ll also be reimbursed reasonable towing expenses to the nearest collision repair facility. To be eligible for coverage, you must pay for the entire car rental with your Platinum Select card and/or AAdvantage miles and decline the rental company’s collision loss/damage insurance. You and any authorized driver designated or listed on the rental car agreement are covered as long as each driver has a valid driver’s license.

In order to take advantage of the worldwide car rental insurance, make sure that your rental period is no longer than 31 consecutive days and the rental car is a motor vehicle with at least four wheels that is designed to be driven on public roads. This insurance will only cover rental cars that are stolen or damaged by an accident, a natural disaster or vandalism. Coverage will not apply if the rental car was used in a way that goes against your rental car agreement or against clear instructions or warnings posted in the car; the rental car was used as a car for hire; you or an authorized driver doesn’t take responsible care of the rental car; or the car is rented through a a car sharing company that allows individuals to rent out their own vehicle.

To file a claim, call 1-866-918-4670 as soon as possible after your rental car is damaged or stolen. Take pictures of the damage if possible and return all requested documents within 180 days of the incident.

3. Baggage Delay Protection

If you’re traveling with a common carrier, such as a plane, train, ferry or cruise ship, and your checked baggage is delayed by more than six hours, you could be reimbursed for necessary personal and business items that you need in the meantime. The card’s protection benefit covers up to $100 per covered traveler per trip.

You must have paid for your ticket at least in part with your Platinum Select Card and/or AAdvantage miles. You and your family members are protected by this coverage, even if you aren’t traveling with your family members.

The benefit covers personal and business items that may be needed while baggage is delayed, such as toiletries and a change of clothes. The benefit doesn’t cover any items not contained in the checked baggage, traveler’s checks, tickets of any kind, passport, visas, negotiable instruments, bullion, rare or previous metals, stamps and coins, or currency. Plus, there’s no coverage when baggage is delayed while returning to the traveler’s primary residence.

Be sure to notify the airline or other common carrier before leaving the airport or station, and keep a copy of any report provided. To file a claim, call 1-866-918-4670 within 60 days of the bags being delayed. You’ll need to return all required documents within 180 days of the bags being delayed or as soon as reasonably possible.

4. Trip Cancellation & Interruption Protection

This protection covers costs if your trip is canceled, interrupted or extended due to sickness, injury, death of the covered travelers and weather issues. You may be reimbursed up to $5,000 per trip or the actual amount charged to your Citi Platinum Select Card (including AAdvantage miles), whichever is lesser.

You must have purchased your trip at least in part with your Platinum Select Card and/or AAdvantage miles. Citi defines covered travelers as the primary cardholder and the primary cardholder’s family members that are traveling on the trip. Even if the primary cardholder isn’t traveling, their family members are still eligible for the benefit as long as part of the trip was purchased using the primary cardholder’s Platinum Select Car or AAdvantage miles.

The protection doesn’t cover the costs if the traveler simply chose to change plans, has a work conflict, is not feeling well but is still able to travel, preferred lodging isn’t available or the traveler can reach their destination but decides not to travel. Plus, coverage is secondary so you’ll need to file with the common carrier and any other source first.

Covered expenses include but aren’t limited to the value of the covered traveler’s unused transportation tickets or forfeited deposits, minus any refund or credit received from the airline or other travel suppliers; change fees charged by the airline or other travel suppliers; a credit/voucher that is not used by its expiration date or within 12 months of the issuance date, whichever is sooner; other unused, nonrefundable travel expenses such as lodging, tour fees or activity fees; additional costs to get the covered traveler home if the trip is interrupted; additional fare or tickets needed to rejoin the trip that has been interrupted; reasonable expenses for similar accommodations and meals that are incurred because of an interruption or reasonable extension of the trip due to a covered reason; fees charged by a travel supplier if one person cancels the trip for a covered reason and another person continues with the trip alone; and reasonable costs to return the covered travelers vehicle to their residence if they need to get home another way.

There are many exclusions and complex details regarding this coverage (which are all detailed in your Guide to Benefits). If you believe you might be eligible for this coverage, call 1-866-918-4670 as soon as possible — and certainly within 60 days of cancellation, interruption or reasonable extension of the trip.

5. Extended Warranty

The Platinum Select Card’s warranty coverage will extend the manufacturer’s warranty on an item for an additional 24 months. In the event of a covered failure from the manufacturer’s warranty, Citi’s extended warranty coverage will repair or place the item or reimburse you up to the amount charged on your Platinum Select card or $10,000 — whichever is less.

If you purchase an extended warranty from the merchant, Citi’s coverage will add an additional 24 months onto the end of that. However, no total coverage will exceed 84 months from the purchase date. Also note that Citi will only extend the warranty on an item paid at least in part with your Platinum Select Card. If you only paid for part of the item with your card, Citi will only reimburse you for up to that amount charged.

The amount of coverage is limited to the lesser of the following: the cost to repair or replace the item; the purchase price of the item; the amount charged to the Platinum Select card; or $10,000 per item. In addition, Citi will determine if an item will be repaired or replaced.

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

Disclaimer: The responses below 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.