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Citi

Citi® / AAdvantage® Globe™ card

TravelAirlineDiningNo Foreign Transaction FeesIntro OfferLuxuryGood CreditExcellent Credit

Key Features

Annual Fee$350.00
Regular APR
Variable APR 19.49% - 29.49% on purchases and balance transfers based on your creditworthiness
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
Either $5 or 5% of the amount of each transfer, whichever is greater
Minimum interest charge $0.50.
Fee for Foreign Purchases - None.
Cash advance fee: 5% of each advance ($10 minimum).
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.
NetworkMastercard
Read the full review
Best for those with
Good Credit

About this card

The Citi® / AAdvantage® Globe™ card presents a mixed bag of features, resulting in an overall rating of 2.6. Its strengths lie in the rewards program, which offers elevated earning rates on American Airlines purchases, AAdvantage Hotels, dining, and select transportation, coupled with a substantial sign-up bonus. These elements contribute positively to its value proposition for frequent American Airlines travelers. However, the card is significantly weighed down by its high annual fee of $350 and a high APR range (19.49%-29.49%). The elevated annual fee necessitates careful consideration of spending habits to justify the card's ongoing cost. The strengths of the card include a generous signup bonus and elevated rewards rate on travel and dining. The card's weaknesses include its high annual fee, high APR, and balance transfer fees.

2.6
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • High rewards rate on select travel and dining purchases
  • No foreign transaction fees
  • Lounge membership
  • Automatic elite status
  • Statement credits for select travel and lifestyle purchases
  • First checked bag free and preferred boarding on American Airlines flights

Things to consider

  • High annual fee
  • High regular APR
  • Balance transfer fee applies

What this card offers

Sign-up bonuses

  • Earn 90,000 AAdvantage® bonus miles
  • after $5,000 in purchases in the first 4 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

  • Every calendar year, receive 4 Admirals Club® Globe™ Passes and enjoy access to nearly 50 Admirals Club® lounges.
  • 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
  • Every calendar year, earn up to $100 in statement credits on inflight purchases when you use your card on American Airlines flights.2
  • 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
  • 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
  • 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
  • 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
  • Earn AAdvantage® miles on purchases made by Authorized Users2 added to your account at no additional charge.
  • 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
  • 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 Questions about your Citi® card account? Just call the number on the back of your credit card. Just say "representative" to access fast, live help from a friendly Customer Service representative ready to help with virtually every aspect of your cardmembership (including technical assistance) — 24 hours a day, 365 days a year.
  • 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
  • Earn AAdvantage® miles on eligible purchases.
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases to reach AAdvantage® status faster2.
  • 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.
  • 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.

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 or converted another Citi credit card account to a Citi® / AAdvantage® Globe™ account in the past 48 months.

Ratings

3.5
3.5
3.8
1.5
1.8