Citi® / AAdvantage® Gold MasterCard® Review

There aren’t many travel benefits attached to the Citi® / AAdvantage® Gold MasterCard®.

Top Ten Reviews Verdict

The Citi® / AAdvantage® Gold MasterCard® falls short on travel benefits, but it does have a few nice qualities.


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    The annual fee on this air miles card is waived for the first year.


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    This card doesn't offer priority boarding or a handful of other travel benefits.

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There aren’t many travel benefits attached to the Citi® / AAdvantage® Gold MasterCard®. Of the travel benefits that this air miles credit card does include, the best is the concierge service, which can prove very helpful to you if you're a frequent traveler and you're often unfamiliar with your destination cities. Like the best frequent flyer credit cards, you won’t run into blackout dates when booking travel with the frequent flyer miles you earn on this card and you're able to redeem miles for international flights.

This card’s sign-up offer is quite generous and almost makes up for the lack of travel benefits. If you spend $750 with the card in the first three months, you receive 25,000 bonus miles. When you use your card to purchase your travel fare, you're automatically enrolled in a number of key features with this card. For instance, when you purchase a flight, you receive travel accident insurance and are eligible for lost luggage reimbursement, and when you rent a car, you receive rental car insurance (if applicable). This card also includes extended product warranty and purchase protection when you use your card on certain purchases.

You won’t get an introductory annual percentage rate offer with this card; however, its standard APR is impressively low already. For purchases and balance transfer transactions that you make with this card, you can expect a 13.99% to 21.99% Variable APR. If you plan to use this card for any cash advance transactions, the APR you can expect is 25.24% Variable. This card's penalty APR is 29.99%.

This frequent flyer miles card gives you a $0 annual fee for the first year. Following the introductory period, you can expect to pay a $50 annual fee. Aside from its annual fee, this air miles card's fee are standard to those that accompany most credit cards. You pay a minimum $10 or 5% fee for any cash advances you make with the card and a minimum $5 or 3% fee for any balance transfer transactions. Additionally, if you travel abroad, a 3% fee is attached to every purchase you make.

When you need to customer support, you can contact Citi by phone. It lists several phone numbers on its website, so you can choose the department that can best provide you with the type of member support you need. Additionally, Citi provides a list of frequently asked questions on its website that you can reference if you have general inquiries about your account.

The Citi® / AAdvantage® Gold MasterCard® has a few nice travel benefits and features, but it falls short in many areas. However, this card has a lower APR than many of the other mileage credit cards we reviewed, and the annual fee is waived for the first year.

Disclaimer: The Annual Percentage Rate or APR is reflective of the date this review was last updated.

Eli McCormick

An SEO specialist and a former Senior Finance writer on Top Ten Reviews, Eli loves giving advice on finance and debt. He holds a Masters degree in Creative Writing from Chatham University, and currently resides in Utah. You'll see his bylines across a whole host of Top Ten Reviews' money features, especially those concerning loans and debt.