Review of the Citi Gold AAdvantage

The Citi Gold AAdvantage World Mastercard was last reviewed on 27th June 2006

citi gold aadvantage world mastercard
Summary - We recommend the Citi Gold AAdvantage World Mastercard to frequent flyer of American Airlines. This card allows the AAdvantage frequent flyer to earn points. Find out more about this card.

Reward Formula - The Citi Gold AAdvantage allows the cardholder to earn one AAdvantage mile for every dollar you spend on purchases on the card. As a sign-in bonus, new cardholders get 12,500 miles after your first purchase. You can earn up to 60,000 miles in one calender year, but Executive Platinum, Platinum and Gold members can earn unlimited miles.

Annual Fee and APR - The first year annual fee is waived. Thereafter, the annual fee becomes $50.00. The apr is at prime rate plus 9.99%, which appears to be the standard rate for all airline credit cards. Citibank uses the average daily balance method to calculate monthly balances.

Key AAdvantage Highlights - Here are a few key features of the AAdvantage program.

1. AAdvantage members face no blackout dates for AAdvantage award travel on American Airlines, American Eagle & AmericanConnection carriers

2. American Airlines partners with over 25 of the world�s top airlines, major car rental companies and hundreds of luxurious hotels worldwide

3. Gold Card members enjoy Reduced Mileage Awards � 7,500 fewer AAdvantage miles to select destinations

4. Small business related articles and advice and even personal business assistant.

Conclusion - There are three versions of the AAdvantage card that Citibank markets, the Bronz version, the Gold version and the Platinum Select Version. The bronz version has no annual fee, but cardholders can only earn one mile for every two dollars spent on the card. The Platinum Select version is very similar to the Gold version in that it also allows you to earn one mile for every dollar spent (no double miles). The only area where it differs is that you get more bonus miles when you sign up and 7,500 reduced miles award instead of 5,000. Plus the annual fee is higher.

It is for these reason that we recommend the Citi� Gold/AAdvantage� World MasterCard� among the three versions availble to the AAdvantage frequent flyer.

  • 12,500 bonus miles
  • First year annual fee waived
  • 5,000 reduced miles offered every year

Citi Gold Select/AAdvantage World Mastercard
Miles Benefits
Sign-on Bonus 10,000 miles after first purchase
Miles Accumulation 1 mile for every $1 spent on purchases
Earn 5 miles per $1 spent on stays at selected partners hotels
Earn up to 10 miles per $1 spent at partner restaurants
Anniversary Bonus 3rd Quarter Reduced Miles Award allows cardmembers to use less miles (save as much as 5000 miles) if redeemed in 3rd quater on specific offers
Free Luggage Express travel benefit - one free door to door luggage delivery service is available per year for each valid account, up to 2 bags or 70 pound total for a one-way, 2 day delivery, from and to locations within domestic USA. A 10% discount is given if service is used less than 12 months after last one
Miles Expiration no expiration if account is active within 36 months
Caps on miles 60,000 - Aadvantage Executive Platinum, AAdvantage Platinum and AAdvantage Gold members can earn unlimited miles
Credit Limits no preset spending limits
Travel and Insurance Benefits
Up to $1,000,000 Travel Insurance
Luggage insurance
Auto rental insurance
Travel and Emergency assistance
Other Benefits
Purchase liability protection
No blackout dates
Cost/Fees/Interest rates
Introductory rate none
Annual Fees $50.00
Purchase APR Prime Rate plus 9.99%
Balance Transfer APR Prime Rate plus 9.99%
Cash Advance APR Prime Rate plus 14.99% min 19.99%
Penalty/Default Rate Prime Rate plu 23.99%, min 25.99%
Overdraft Advance Rate 13.99% fixed (not available in some states>
Min Finance Charge $1.00
Grace Period 20 days
Balance Calculation Method Average Daily Balance
Balance Transfer Fee n.a
Convenience checks fee n.a
ATM Cash Advance fee 3% min $5.00
Other Cash Advance fee 3% min $5.00
Foreign Currency Conversion fee 2%
Over-the-credit-limit fee none
Late Payment fee $15.00 up to but less than $100
$29.00 from $100-$1000
$39.00 for more than $1000

Apply for the Citi� Gold/AAdvantage� World MasterCard�

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