Santander AAdvantage Mastercard Black
Earn American Airlines AAdvantage miles directly in your program, with no conversion steps.
Overview
The Santander AAdvantage Black is a premium co-branded credit card on the Mastercard Black network that credits American Airlines AAdvantage miles directly to the cardholder's account. For every dollar spent, the holder earns 2 AAdvantage miles, with additional bonuses on international purchases and direct purchases with American Airlines, reaching up to 5 miles per dollar. It combines the travel and assistance benefits of Mastercard Black with native airline mileage earning, making it attractive for those who prioritize flying American and oneworld partners.
Who it's for
Aimed at frequent travelers who fly American Airlines and oneworld partners and want to earn AAdvantage miles directly, without going through Livelo, Esfera or other points programs.
Points earning
Earn 2 AAdvantage miles per dollar on domestic purchases. Foreign-currency purchases earn 1 extra mile per dollar, and direct purchases with American Airlines earn double miles, with the total reaching up to 5 miles per dollar.
Points program and transfers
Co-branded card: miles are credited DIRECTLY to the American Airlines AAdvantage program, with no Livelo, Esfera or any intermediate points-transfer step. Just register your AAdvantage number.
Related promotions and news
Transfer bonuses and updates from the programs linked to this card, updated live.
Transfer promotions
Miles news
Annual fee and waiver rules
Santander Select clients or those with high investments can obtain up to a 50% discount on the annual fee. Promotional fee-waiver campaigns may occur. Confirm the current rules at the time of application.
How to apply
Applications are made through official Santander channels (website, app or branch). Credit analysis is required and, generally, a high-income or investment relationship with the bank.
Income or net worth range
High income/investments required. Sources differ: some cite income from around R$ 20,000 per month, others mention a requirement aimed at clients with high investments (in the order of R$ 1 million). Confirm current conditions directly with Santander.
Typical requirements
- Be a Santander account holder or open an account
- Pass credit analysis
- Prove the required high income or investment volume
- Keep an active account in good standing to retain benefits
Ways to obtain
- Access the official card page on the Santander website
- Start the application online or via the app
- Submit documents and proof of income/investments
- Await credit analysis
- Register your AAdvantage number to receive the miles
VIP lounges
Offers 4 free accesses per year to LoungeKey network VIP lounges (Mastercard Airport Experiences), plus access to the Mastercard Black VIP lounge at Guarulhos Airport. From 2026, lounge use requires an active card in good standing and a minimum average monthly spend.
Network benefits
- Mastercard Airport Experiences (LoungeKey)
- Mastercard Black concierge
- Priceless Cities experiences
- Corkage fee waiver at partner restaurants
- Mastercard benefits and cashback program
Insurance
- Masterassist Black (travel medical assistance)
- Baggage and travel inconvenience insurance
- Purchase protection and extended warranty insurance
- Coverage against theft/coerced ATM withdrawal
Travel protections
- Masterassist Black international medical assistance
- Baggage delay and loss coverage
- Travel assistance through the Mastercard network
Airline benefits
- Double AAdvantage miles on direct purchases with American Airlines
- Native earning in the AAdvantage program, useful for American and oneworld partner flights
Hotel benefits
- Priceless Cities experiences and offers at partner hotels and destinations
Car rental benefits
- Damage protection insurance for car rentals (Master Rental)
✅ Advantages
- Direct AAdvantage mileage earning, with no conversion step
- Bonus miles on international and American Airlines purchases
- Mastercard Black network with concierge and experiences
- Access to LoungeKey lounges and the Mastercard lounge in Guarulhos
⚠️ Disadvantages
- High annual fee
- High income/investment requirement
- Only 4 free LoungeKey lounge accesses per year
- New minimum monthly spend rules to use VIP lounges
History of relevant changes
- Card resulting from the co-branded partnership between Santander Brazil and American Airlines AAdvantage, aimed at the high-income segment.
- In 2025/2026 the VIP lounge access rules were updated, requiring an active card and a minimum average monthly spend.
Frequently asked questions
Does the card earn miles directly with American Airlines?
Yes. It is a co-branded card and credits AAdvantage miles directly to your American Airlines program, with no Livelo, Esfera or transfer steps.
How many miles does the card earn per dollar?
2 AAdvantage miles per dollar on domestic purchases, with a bonus on international purchases and double miles on direct American Airlines purchases, reaching up to 5 miles per dollar.
What is the Santander AAdvantage Black annual fee?
About R$ 1,632 per year, usually in 12 installments of R$ 136, with a possible 50% discount for Select clients or those with high investments.
Does the card provide VIP lounge access?
Yes. It offers 4 free accesses per year to LoungeKey lounges, plus the Mastercard Black lounge in Guarulhos, subject to current eligibility rules.
What is the minimum income required?
Sources differ: some cite income from around R$ 20,000 per month and others a requirement aimed at clients with high investments. Confirm with Santander.
Sources consulted
Information gathered from official and specialized sources in 2026-07. Annual fee, income and rules change — always confirm on the issuer's official website.