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American Airlines launches new credit card--with these travel perks

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  Published in Travel and Leisure on Monday, October 20th 2025 at 19:00 GMT by Newsweek
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American Airlines Unveils a Fresh Co‑Branded Credit Card Packed with Travel Perks

American Airlines has announced the launch of a brand‑new co‑branded credit card, designed to reward frequent flyers with a suite of valuable travel benefits. The new card, which comes through American Express, targets both casual and seasoned travelers who are already part of the airline’s AAdvantage loyalty program. Below is a detailed breakdown of the card’s key features, the incentives it offers, and why it’s positioned to become a favorite among jet‑setters.

1. Card Overview & Eligibility

• Name: American Airlines AAdvantage® Explorer Card
• Issuer: American Express
• Eligibility: Must hold an AAdvantage® membership or be willing to join before applying.
• Annual Fee: $99 (waived for the first year if you sign up within the launch window).
• Credit Score Requirement: Average to good (roughly 680+).

The card is tailored to travelers who fly with American Airlines frequently. It also offers a sign‑up bonus that encourages a rapid accumulation of miles.

2. Sign‑Up Bonus & Earning Structure

• Sign‑Up Bonus: 35,000 AAdvantage® miles after spending $3,000 in the first 3 months.
• Earning Rates:
  • 2× miles on every dollar spent on American Airlines purchases (including flights, in‑flight meals, and baggage fees).
  • 2× miles on all other travel purchases (hotels, car rentals, cruises).
  • 1× mile on all other purchases.

With a steady travel budget, you can quickly rack up miles that can be redeemed for free flights, seat upgrades, or other AAdvantage rewards.

3. Core Travel Perks

These benefits collectively make the Explorer Card a compelling option for travelers who value convenience, cost savings, and a smoother flight experience.

4. Insurance & Protection

The card offers a robust suite of travel insurance, including:

• Trip Interruption Insurance: Covers non‑refundable travel costs if a trip is canceled or cut short due to sickness or severe weather.
• Baggage Insurance: Compensation for lost, stolen, or damaged luggage up to $1,000 per item.
• Travel Accident Insurance: Coverage for accidental death or dismemberment during travel.
• Rental Car Collision Coverage: Adds an extra layer of protection when you rent a vehicle while traveling.

These features reduce out‑of‑pocket costs and give cardholders peace of mind while on the road.

5. How to Apply

The application process is straightforward:

1. Visit the American Airlines website: The dedicated card page displays a “Apply Now” button linked to the American Express portal.
2. Enter Personal and Financial Information: You’ll be prompted to provide details such as income, employment, and credit history.
3. Submit & Await Decision: Most applicants receive a decision within 24–48 hours.

Once approved, you’ll receive the card in the mail and can immediately start enjoying the perks.

6. Insider Insight: What the Card’s Launch Means for American Airlines

By adding this new card to its portfolio, American Airlines is aiming to deepen engagement with its travel community. The airline’s strategy appears focused on:

• Increasing AAdvantage Membership: A credit card serves as a funnel for new members, expanding the airline’s base.
• Boosting Revenue Streams: Annual fees and transaction processing fees contribute to the airline’s ancillary income.
• Differentiating from Competitors: While competitors like Delta and United offer comparable co‑branded cards, the Explorer Card’s generous free baggage allowance and companion certificate are unique selling points.

In a landscape where airline loyalty is increasingly tied to holistic travel experiences, the Explorer Card offers a one‑stop solution that balances everyday spending with targeted airline benefits.

7. Final Thoughts

American Airlines’ new co‑branded credit card brings together a compelling mix of travel perks, generous earning rates, and valuable insurance coverage. The 35,000‑mile sign‑up bonus and 1,500 elite status credits, combined with free checked bags and lounge access, make it a potent tool for anyone who flies with the carrier. While the $99 annual fee is modest, it is offset by the tangible savings and convenience it delivers—especially for frequent flyers who already enjoy the AAdvantage program.

For travelers looking to maximize the value of their airline loyalty, the American Airlines AAdvantage® Explorer Card is a solid investment that promises a smoother, more rewarding journey.