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: 19.49% - 29.49%, based on creditworthiness. Cash advance variable APR 29.74%. Variable Penalty APR up to 29.99%. |
| Other Fees | Balance transfer fee: 5% of each transfer ($5 minimum). Fee for Foreign Purchases - None. Cash advance fee: 5% of each advance ($10 minimum). Minimum interest charge $0.50. 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. |
| Network | Mastercard |
About this card
The Citi® / AAdvantage® Globe™ card receives an overall rating of 3.1, placing it in the 'Good' category. This card presents a strong value proposition for a very specific segment of consumers: frequent American Airlines travelers who can fully utilize its extensive suite of benefits. Its rewards program is excellent, offering high earning rates on American Airlines purchases (3x miles), AAdvantage Hotels bookings (6x miles), dining, and select transportation (2x miles), complemented by a generous 60,000 AAdvantage® bonus miles sign-up offer. What truly elevates its appeal for its target audience are the substantial travel perks and statement credits, including Admirals Club® Globe™ Passes, Turo credits, inflight purchase credits, an annual 'Splurge Credit℠', and Global Entry/TSA PreCheck reimbursement. These benefits, coupled with no foreign transaction fees, are designed to significantly offset the high $350 annual fee for a cardholder who actively uses them, making the card compelling for its niche. However, the card is severely hampered by its uncompetitive fee and APR structure. The high annual fee, while potentially offset by benefits, is a significant barrier for those who may not fully maximize the perks. More critically, the variable APR for purchases and balance transfers, ranging from 19.49% to 29.49%, is exceptionally high, even for a card targeting 'Very Good' credit tiers, and there is no introductory APR period. This makes carrying any balance extremely costly and is a major drawback that affects its overall rating, regardless of the user's spending habits or creditworthiness. The high balance transfer and cash advance fees further diminish its flexibility and value for those needing such features. In summary, the card's strengths are its exceptional rewards program for American Airlines loyalists, generous sign-up bonus, and comprehensive travel benefits. Its weaknesses are the prohibitive annual fee (if not fully utilized), the extremely high APR, and other transactional fees. While outstanding for a niche user who maximizes its perks and always pays their balance in full, its high costs and lack of competitive APR prevent it from achieving an 'Excellent' rating for broader appeal.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on specific travel and dining categories
- No foreign transaction fees
- Lounge membership
- Airline travel perks (e.g., free checked bags, preferred boarding, companion certificate)
- Travel credits and protection benefits
Things to consider
- High annual fee
- No intro APR period
- High regular APR
- High balance transfer fee
- Rewards heavily focused on one airline and related travel
What this card offers
Sign-up bonuses
- Earn 60,000 AAdvantage® bonus miles after $4,000 in purchases in the first 3 months2
Rewards
- Earn 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases2
- Earn 6 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels™ bookings2
- Earn 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery2
- Earn 2 AAdvantage® miles for every $1 spent on eligible Rides and Rails™ purchases, including taxis, rideshares and public transit2
- Earn 1 AAdvantage® mile for every $1 spent on all other purchases2
Other features
- Admirals Club® Globe™ Passes (over $300 in value) Every calendar year, receive 4 Admirals Club® Globe™ Passes and enjoy access to nearly 50 Admirals Club® lounges. Relax and unwind with complimentary drinks and snacks, stay connected with free Wi-Fi and much more. To access the Admirals Club® lounge, present one of your digital lounge passes located in your AAdvantage® wallet.2
- Up to $240 back on Turo 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.2
- Up to $100 back on inflight purchases Every calendar year, earn up to $100 in statement credits on inflight purchases when you use your card on American Airlines flights.2
- Up to $100 Annual Splurge Credit℠ 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).2
- Additionally, up to $120 Global Entry® or TSA PreCheck® application fee credit Receive a statement credit, up to $120 every 4 years, as reimbursement for your application fee for Global Entry® or TSA Precheck®.2
- First checked bag free on domestic American Airlines itineraries
- Preferred boarding on American Airlines flights
- No foreign transaction fees[1]
- 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).2
- American Airlines Companion Certificate Earn an 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.2
- Add Authorized Users Earn AAdvantage® miles on purchases made by Authorized Users2 added to your account at no additional charge.[1]
- Travel and shopping protection benefits Help stay protected with 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.2
- No limit on the amount of miles you can earn There is no maximum number of American Airlines AAdvantage® miles that you can accumulate with your card.2
- Citi® Quick Lock Misplaced your card? Use Citi Quick Lock in the Citi Mobile® App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
- 24-hour fraud protection Citi will alert you if we see unusual activity on your account.
- Mastercard® ID Theft Protection The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
- Chip-based card technology Chip card technology keeps the same card number but provides you with security and global acceptance.
- Automatic account alerts Stay updated on balance, payments and credit limits via email or text.
- Choose your payment due date Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
- Paperless statements and e-communications Reduce clutter and get your statements and most legal notices online instead of in the mail.
- 24/7 Customer Service To save time and manage your account from anywhere, download the Citi Mobile® App. You can handle most of your banking needs right from your phone, 24/7.
- Citi Mobile® App Manage your money when you want, where you want and the way you want. It’s how Citi digital services help get the most out of your time and money.
- Contactless pay Shop safely with a contactless, chip-enabled card. Just tap your card on the payment reader and go in seconds.
- Digital wallets Digital wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets, you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.
- Access FICO® Score Receive free access to your FICO® Score online to review your credit history.
- Citi Entertainment® Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences. To learn more, visit citientertainment.com
- Citi® Flex Pay Buy now, pay later with Citi® Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.2
- No foreign transaction fees[1] Shop like a local wherever your travels take you.
- AAdvantage® miles Use your AAdvantage® miles for flights to nearly 1,100 destinations worldwide on American Airlines, oneworld® and partner airlines. Miles can also be redeemed for seat upgrades, car rentals, hotel stays, vacation packages and more.
- Loyalty Points Earn Loyalty Points toward status when you use your card for purchases. Status members have access to even more exclusive perks designed to enhance their travel experience. Enjoy complimentary premium cabin upgrades, complimentary Main Cabin Extra and Preferred Seats and same-day standby priority. Benefits vary by status tier.
- AAdvantage® miles Earn AAdvantage® miles on eligible purchases.
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases to reach AAdvantage® status faster2
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. New card members only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.