Loyalty Program: AAdvantage

  • 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.24% – 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO Score online.
  • With Citi Entertainment, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
Annual Fee
  • Primary card $0
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates 17.24 %
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • All SpendingMile
  • GroceriesMile
  • GasMile
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
  • Earn 2x AAdvantage miles on eligible American Airlines purchases
  • No Foreign Transaction Fees
  • First Checked Bag Free
Learn More
  • Earn 80,000 American Airlines AAdvantage bonus miles after spending $3,500 in purchases within the first 4 months of account opening.
  • Earn 2 AAdvantage miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases
  • No Foreign Transaction Fees
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
Annual Fee
  • Primary card $99
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates 20.24 %
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • Gas2Miles
  • Dining and Food delivery2Miles
  • All Spending1Mile
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
  • Earn 2x AAdvantage miles per dollar spent on eligible American Airlines purchases
  • No Foreign Transaction Fees
  • Admirals Club Membership
Learn More
  • For a limited time, earn 100,000 American Airlines AAdvantage bonus miles after spending $10,000 within the first 3 months of account opening.
  • Admirals Club membership for you and access for up to two guests or immediate family members traveling with you
  • No Foreign Transaction Fees on purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
Annual Fee
  • Primary card $446
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates 20.24 %
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • All Spending1Mile
  • Groceries1Mile
  • Gas1Mile
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
  • Earn 2x AAdvantage miles on eligible American Airlines purchases
  • First Checked Bag Free
  • American Airlines Companion Certificate
Learn More
  • Designed for businesses
  • Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
  • 25% savings on American Airlines inflight Wi-Fi when you use your card
  • Enjoy preferred boarding on American Airlines flights
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
  • Earn 1 AAdvantage® mile per $1 spent on other purchases
  • Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
  • No Foreign Transaction Fees
Annual Fee
  • Primary card $99
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • %
Interest Rates
  • Purchase Rates 20.24 %
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • Gas2Miles
  • Telecom/Internet2Miles
  • All Spending1Mile
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • AAdvantage

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • Earn 2x AAdvantage miles per dollar spent on eligible American Airlines purchases
  • Earn 2x AAdvantage miles per dollar spent on grocery store purchases
Learn More
  • Earn 15,000 American Airlines AAdvantage bonus miles after making $1,000 in purchases within the first 3 months of account opening.
  • 0% Intro APR for 15 months from date of account opening for balance transfers only. After that the variable APR will be 20.24% – 29.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • Balance transfer fee of either $5 or 5% of the amount of each credit card balance transfer, whichever is greater. Balance Transfers must be completed within 4 months of account opening.
  • No Annual Fee
  • Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
Annual Fee
  • Primary card $0
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 3 %
Interest Rates
  • Purchase Rates 20.24 %
  • Cash Advance Rates
  • Balance Transfer Rates
Earning Rate
  • Groceries2Miles
  • All Spending1Mile
  • Gas1Mile
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration

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