Credit Card Review: Citi® Gold/AAdvantage® World MasterCard®

#1 Online Credit Card Consulting

Apply for a credit card | Credit card education | Credit card blog

In-Depth Credit Card Review:

Estimate Reward Earnings

Your good credit score can do more for you than just get you a good credit card. With a Citi® Gold/AAdvantage® World MasterCard®, a credit card designed for people with a good credit history, your good credit can take you places. By using this card, which is issued by Citibank, you can earn rewards that can buy you flights, pay for your accommodations when you get where you want to go, and then take you home when you're ready.

When you use your Citi® Gold/AAdvantage® World MasterCard®, you will automatically earn one mile for every single dollar that you spend. These miles can then be redeemed for your hotel accommodations on a vacation, your auto rentals, and, most importantly, the flight that gets you there. Earn enough points, and you can redeem them for a free flight on with American Airlines and any of its participating partners.

When you sign up for this card, you will automatically receive 15,000 AAdvantage® bonus miles after you make $750 in purchases within 4 months. Though there is a limit on the number of miles that you can earn each year, you don't have to worry that they will disappear before you can use them. They won't expire as long as there is activity on your account at least once every three years. You can only earn 60,000 miles per year, so you'll get the best use out of this card if you aren't planning on exceeding $60,000 in spending.

This card has no pre-set spending limit, meaning that you can occasionally exceed your credit limit, based upon your credit and payment history. The annual fee on this card is waived for you first year, and is only $50 per year after that. The APR on this card is slightly above average for a rewards card, and there is a minimum cap of 19.99% for cash advances, making them a bit costly.

However, as a Citi® Gold/AAdvantage® World MasterCard® user you will be covered by up to $1,000,000 in travel accident insurance, receive auto rental insurance on any cars you rent using your card, and receive a year-end financial statements. Though it can be costly to carry a balance on this card, it offers excellent travel benefits and earning potential for any card users who plan on doing a lot of spending, without carrying a balance.

(Review Updated: May 05, 2008)

Estimate Reward Earnings

n/a Intro APR (* see notes for details)
14.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances

First Year Free, then $50 Annual Fee
20 days Grace Period

Finance Configuration: Average daily balance. This includes new purchases.

Additional Cardholders: $0

Late Payment Fee: $15 on balances up to $100, $29 on balances of $100 up to $250, $39 on balances of $250 and over

Over-The-Limit Fee: n/a

Cash Advance Fee: 3% of each cash advance; $5 minimum.

Balance Transfer Fee: 3% of each balance transfer; $5 minimum.

Minimum Credit Limit: n/a

Maximum Credit Limit: n/a

Type of Reward: Mile

Miles per Dollar: 1.00

Bonus Miles Other: n/a

Expiration: 3 Years (Miles do not expire as long as the account is active during a 3-year period.)

Yearly Limit: 60,000 Miles (AAdvantage Executive Platinum®, AAdvantage Platinum®, and AAdvantage Gold® members are excluded from this limit.)

Additional Features for Citi® Gold/AAdvantage® World MasterCard®:

Various Internet account related services.
Access to reduced mileage awards.
Identity theft solutions.
Lost and stolen card reporting.
Emergency cash replacement.
Emergency card replacement.
Fraud and security protection services.
Automatic bill payments.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
No liability for unauthorized transactions.
Year-end financial statement (upon request).
See website for additional benefits.

Important Notes for Citi® Gold/AAdvantage® World MasterCard®:

The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources.
Any amount that exceeds the credit limit must be paid in full.
See website for complete terms and conditions of card usage and application disclosure.

Look for Similar Credit Cards by Category

Home » Apply for a Credit Card » Special Interests » Frequent Flyer Miles, Airline Miles Rewards

What is a FICO score?

Notes: The review on Citi® Gold/AAdvantage® World MasterCard® was updated on May 05, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.