Aviator Red World Elite Mastercard

Welcome Bonus

$70,000

Welcome Bonus Value

Spend $2,000 in the first 90 days

Rewards

Reward Type Miles

Base Rate 1x / 1%

Bonus Rate Up to 2x

Point Value ~0.01¢ each

Travel Portal 1x

Expiration Miles earned are AAdvantage miles and are subject to the terms and conditions of the American Airlines AAdvantage program. AAdvantage miles do not expire as long as you have qualifying activity at least once every 24 months.

Category	Rate	Type	Cap
American Airlines Purchases Eligible American Airlines purchases	2x	Miles	No cap
All Other Purchases All other purchases	1x	Miles	No cap

Benefits & Protections

No Foreign Fees

Travel Insurance

Cell Phone Protection

Purchase Protection

Extended Warranty

Lost Luggage Coverage

Concierge Service

Benefit	Category	Value / Coverage
Welcome Bonus Miles Earn 70,000 AAdvantage bonus miles after making your first purchase and paying the annual fee within the first 90 days of account opening.	Bonus	70,000 AAdvantage miles
World Elite Concierge Service Provides personalized assistance for travel planning, dining reservations, event tickets, and other lifestyle needs.	Lifestyle	24/7 personalized assistance
Cell Phone Protection Reimburses eligible cardholders for the cost to repair or replace their eligible cell phone in the event it is stolen or damaged. Coverage is secondary to other insurance. Requires paying your monthly cell phone bill with your eligible Mastercard.	Purchase Protection	Up to $600 per claim, maximum 2 claims per 12-month period. $50 deductible per claim. Up to $600
Extended Warranty Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible items purchased with the card. Applies to warranties of five years or less.	Purchase Protection	Up to $10,000 per claim, up to $50,000 per 12-month period Up to $10,000
Purchase Protection Reimburses for eligible items purchased with the card that are stolen or damaged within 90 days of purchase.	Purchase Protection	Up to $1,000 per claim, up to $5,000 per 12-month period Up to $1,000
Return Protection Reimburses for eligible items purchased with the card that the store won't take back within 60 days of purchase.	Purchase Protection	Up to $250 per claim, up to $1,000 per 12-month period Up to $250
American Airlines Purchase Rewards Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases.	Rewards	2X miles per $1
General Purchase Rewards Earn 1 AAdvantage mile for every $1 spent on all other purchases.	Rewards	1X mile per $1
Mastercard Global Service Provides emergency assistance services anytime, anywhere, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.	Security	24/7 emergency assistance
Mastercard ID Theft Protection Provides identity theft resolution services, including monitoring for suspicious activity, alerts, and assistance with identity restoration.	Security	Comprehensive identity theft resolution services
Auto Rental Collision Damage Waiver Provides secondary coverage for physical damage and theft of most rental vehicles when the eligible Mastercard is used to pay for the entire rental and the rental company's collision damage waiver is declined.	Travel Insurance	Coverage for physical damage and theft
Baggage Delay Insurance Reimburses for the emergency purchase of essential items when checked baggage is delayed by a common carrier for more than 4 hours.	Travel Insurance	Up to $100 per day for 3 days Up to $300
Hotel/Motel Burglary Insurance Reimburses for personal property stolen from your hotel or motel room when the room was paid for with your eligible Mastercard.	Travel Insurance	Up to $1,000 per occurrence Up to $1,000
Lost Luggage Insurance Reimburses for the replacement of lost or stolen checked or carry-on baggage and its contents when traveling on a common carrier.	Travel Insurance	Up to $3,000 per covered person Up to $3,000
Travel Accident Insurance Provides coverage for accidental death or dismemberment while traveling on a common carrier when the entire fare has been charged to the eligible Mastercard.	Travel Insurance	Up to $250,000 Up to $250,000
Trip Cancellation/Interruption Insurance Reimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons, such as illness or injury.	Travel Insurance	Up to $1,500 per covered person, up to $5,000 per trip Up to $5,000
Trip Delay Insurance Reimburses for reasonable additional expenses incurred when a common carrier trip is delayed for more than 6 hours or requires an overnight stay.	Travel Insurance	Up to $250 per covered person Up to $250
Annual Companion Certificate Earn an American Airlines Companion Certificate for one guest at $99 (plus taxes and fees) after spending $20,000 on eligible purchases during your cardmembership year and renewing your card.	Travel Perks	Companion ticket for $99 (plus taxes/fees)
Free First Checked Bag Receive your first checked bag free on eligible domestic American Airlines flights for the primary cardmember and up to 4 companions traveling on the same reservation.	Travel Perks	Free first checked bag
Inflight Food and Beverage Savings Get 25% savings as a statement credit on inflight food and beverage purchases on American Airlines operated flights.	Travel Perks	25% savings
No Foreign Transaction Fees Pay no foreign transaction fees on purchases made outside the U.S.	Travel Perks	0% foreign transaction fee
Preferred Boarding Enjoy Group 5 preferred boarding on American Airlines flights.	Travel Perks	Group 5 boarding

Interest Rates

Purchase APR 21.24%–29.24% Variable

Cash Advance APR 29.99%

Penalty APR 29.99%

Min. Interest Charge $2

Fees

Annual Fee $99

Authorized User Fee Free

Foreign Transaction Fee None

Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.

Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment Fee Up to $40

Returned Payment Fee Up to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor 580 Fair 670 Good 740 Very Good 800+ Exceptional

Approval Difficulty Difficult

Credit Profile Good

Approval Odds Very Good

Decision Time 1-3 days

Pre-Qualification Not available

Student Eligible No

Co-Applicant Not allowed

Business Eligible No

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 3 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (MS), high cumulative credit limit across Barclays accounts, frequent balance transfers without new spending, suspicious spending patterns (e.g., large round numbers, gift card purchases), not using the card after meeting the bonus, excessive credit seeking behavior.

Cliff Effect Rules

Eligibility for the sign-up bonus is typically tied to not having received a bonus for the specific Aviator Red World Elite Mastercard product within the last 24 months. While less common for Aviator cards, some Barclays products may have broader family rules preventing bonuses if any card in a specific product family was held or a bonus received recently.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

To be eligible for the Aviator Red World Elite Mastercard, applicants must generally possess good to excellent credit (typically FICO score 700+). Barclays enforces a strict application policy, including a '6/24 rule' (applicants cannot have opened more than 6 new credit card accounts across all issuers in the past 24 months) and a '2/24 rule' specific to Barclays cards (cannot have opened more than 2 new Barclays credit card accounts in the past 24 months). Eligibility for the sign-up bonus typically requires that the applicant has not received a bonus for this specific Aviator Red World Elite Mastercard product in the past 24 months. Meeting the minimum spend requirement within the specified interval is also mandatory for bonus fulfillment.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Barclays provides benefits and protections to eligible servicemembers and their dependents under the Servicemembers Civil Relief Act (SCRA). For more information, call 1-866-918-5219.