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

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

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

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.

Specifications and Benchmarks


Standard APR*
13.99% - 21.99% Variable
Cash Advance APR*
25.24% Variable
Balance Transfer APR*
13.99% - 21.99% Variable
Penalty APR*
29.99% Variable
Introductory APR*
Introductory Period

Fees & Penalties

Annual Fee
$0 first year, then $50
Late Fee
Up to $35
International Purchase Fee
Cash Advance Fee
$10 or 5%
Balance Transfer Fee
$5 or 3%
Returned Payment Fee
Up to $35
Grace Period
23 Days

Travel Benefits

Miles/Points to Dollars Spent Ratio
1 Mile/1 Dollar Spent
Sign-Up Offer
25,000 bonus miles after $750 spent in first 3 months
No Blackout Dates
International Flights
Earn Double Miles or Points
Free Bag Check
Priority Boarding
VIP Lounge Access
In-Flight Purchase Discounts
Annual Bonus Miles or Points
Concierge Service

Member Support

Phone 24/7
Emergency Card Replacement
Live Chat

Key Features

Travel Accident Insurance
Rental Car Insurance
Lost Luggage Reimbursement
24/7 Roadside Assistance
Zero Liability
Miles/Points Don't Expire
No Cap on Miles/Points
Extended Product Warranty
Purchase Protection
Return Protection