Citi
Citi / AAdvantage Globe card
Key Features
| Annual Fee | $350.00 |
| Sign-up Bonus | 60,000 AAdvantage bonus miles |
| Rewards Rate | 1x-6x AAdvantage miles |
| Regular APR | Variable APR for purchases, balance transfers, and Citi Flex Plans subject to an APR: 19.74% - 29.74%, based on creditworthiness. Cash advance variable APR 29.99%. Variable Penalty APR up to 29.99%. |
| Other Fees | Either $5 or 5% of the amount of each transfer, whichever is greater Cash advance fee: 5% of each advance ($10 minimum). Minimum interest charge $0.50. Fee for Foreign Purchases - None. Citi Flex Pay subject to Plan Fee: monthly fee up to 1.72% applies, based on Plan duration, APR that would otherwise apply to Transaction, & other factors. Redeeming the certificate costs $99 for the ticketing fee, plus taxes and fees based on the intinerary. |
| Network | Mastercard |
About this card
The Citi / AAdvantage Globe card earns a 'Good' overall rating of 3.8 out of 5.0. This card presents a strong value proposition for a very specific segment of consumers: frequent American Airlines flyers who are disciplined about paying their balances in full. For this target audience, the card is highly rewarding and the high annual fee is largely offset by a comprehensive suite of travel and lifestyle benefits. **Strengths:** The Rewards Rating of 4.6 is excellent, driven by generous earning rates on American Airlines purchases, AAdvantage Hotels, dining, and transit, alongside a competitive sign-up bonus. The card's fee structure (rated 4.5) is also very strong for a premium travel card, as its $350 annual fee is substantially mitigated by over $600 in potential statement credits (Turo, inflight, choice brands, Global Entry/TSA Precheck) and valuable perks like Admirals Club passes, free checked bags, and no foreign transaction fees. This makes the card a powerhouse for maximizing value within the American Airlines ecosystem. **Weaknesses:** The most significant drawback, and what prevents a higher overall rating, is the extremely poor APR (rated 1.5). With regular APRs ranging from 19.74% to a staggering 29.74% and no introductory APR offer, this card becomes exceptionally expensive for anyone who carries a balance. For a premium card targeting users with 'Very Good' credit, such high interest rates are uncompetitive and significantly diminish the card's overall value proposition if not managed carefully. The high balance transfer and cash advance fees further compound this issue. **Overall Assessment:** For a dedicated American Airlines loyalist who consistently pays their statement in full and can fully utilize the extensive travel credits and benefits, this card offers an exceptional return and can easily justify its annual fee. However, the severe weakness in its APR structure introduces significant risk and cost for any cardholder who carries a balance, even occasionally. Therefore, while it excels in rewards and benefits for its niche, the high potential cost of interest pulls its overall appeal down to a solid 'Good', rather than 'Excellent' or 'Exceptional'.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on specific categories and travel
- Lounge membership access included
- No foreign transaction fees
- Significant travel and lifestyle statement credits
- Airline travel benefits like free checked bag and preferred boarding
Things to consider
- High annual fee
- High regular APR
- No intro APR period
- High balance transfer fee
- High cash advance fee
What this card offers
Sign-up bonuses
- Earn 60,000 AAdvantage bonus miles after $4,000 in purchases in the first 3 months
Rewards
- Earn 3 AAdvantage miles for every $1 spent on eligible American Airlines purchases
- Earn 6 AAdvantage miles for every $1 spent on eligible AAdvantage Hotels bookings
- Earn 2 AAdvantage miles for every $1 spent at restaurants, including takeout and delivery
- Earn 2 AAdvantage miles for every $1 spent on eligible Rides and Rails purchases, including taxis, rideshares and public transit
- Earn 1 AAdvantage mile for every $1 spent on all other purchases
Other features
- Every calendar year, receive 4 Admirals Club Globe Passes and enjoy access to nearly 50 Admirals Club lounges. To access the Admirals Club lounge, present one of your digital lounge passes located in your AAdvantage wallet.
- Earn up to $30 in statement credits for each eligible Turo trip completed, for a total of up to $240 in statement credits annually. To qualify, you must link your card to your Turo account on Turo.com/Globe and pay for the trip with your card.
- Every calendar year, earn up to $100 in statement credits on inflight purchases when you use your card on American Airlines flights.
- Every calendar year, earn up to $100 in statement credits on your choice of up to 2 of the following brands: 1stDibs, eligible AAdvantage Hotels bookings, Future Personal Training and Live Nation (exclusions apply).
- Receive a statement credit, up to $120 every 4 years, as reimbursement for your application fee for Global Entry or TSA Precheck.
- First checked bag free on domestic American Airlines itineraries
- Preferred boarding on American Airlines flights
- No foreign transaction fees
- Flight Streak bonus: Earn a 5,000 Loyalty Point bonus after every 4 qualifying American Airlines flights (up to 15,000 additional Loyalty Points each status qualification year).
- American Airlines Companion Certificate starting in your second cardmembership year as long as your cardmembership is renewed. Companion certificate is good for a single qualifying round-trip main cabin domestic flight. Redeeming the certificate costs $99 for the ticketing fee, plus taxes and fees based on the intinerary.
- Add Authorized Users: Earn AAdvantage miles on purchases made by Authorized Users added to your account at no additional charge.
- Travel and shopping protection benefits: Enhanced Trip Cancellation Interruption, Lost or Damaged Luggage, MasterRental Coverage (Car Rental), Trip Delay, Extended Warranty and Purchase Assurance Plus.
- No limit on the amount of miles you can earn
- Citi Quick Lock: instantly block new charges while allowing recurring transactions to continue.
- 24-hour fraud protection
- Mastercard ID Theft Protection
- Chip-based card technology
- Automatic account alerts
- Choose your payment due date
- Paperless statements and e-communications
- 24/7 Customer Service
- Citi Mobile App
- Contactless pay
- Digital wallets
- Access FICO Score
- Citi Entertainment
- Citi Flex Pay
Additional Notes
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. American Airlines AAdvantage new cardmember bonus offer not available if you have received a new account bonus for a Citi / AAdvantage Globe account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi / AAdvantage Globe account.