| Category | Rate | Type | Cap |
|---|---|---|---|
|
AAdvantage Hotels and AAdvantage Cars Bookings
Earn 10 AAdvantage miles per $1 spent on eligible hotel bookings through aadvantagehotels.com and eligible car rentals booked through aa.com/cars with no annual cap.
|
10x | Miles | No cap |
|
American Airlines Purchases — Miles Booster (Post $150K Spend)
Earn 5 AAdvantage miles per $1 spent on eligible American Airlines purchases for the remainder of the calendar year after reaching $150,000 in total card purchases in that calendar year.
|
5x | Miles | No cap |
|
American Airlines Purchases
Earn 4 AAdvantage miles per $1 spent on eligible American Airlines purchases; after spending $150,000 in purchases in a calendar year, the rate increases to 5 miles per $1 for the remainder of the year.
|
4x | Miles | No cap |
|
All Other Purchases
Earn 1 AAdvantage mile per $1 spent on all other purchases with no mileage cap.
|
1x | Miles | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Avis and Budget Car Rental Statement Credit
Earn up to $120 in statement credits every calendar year when eligible prepaid car rentals are booked directly on avis.com or budget.com.
|
Credits |
Up to $120/year
Up to $120
|
|
Global Entry or TSA PreCheck Application Fee Credit
Cardmembers receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry or TSA PreCheck.
|
Credits |
Up to $120 every 4 years
Up to $120
|
|
Grubhub Monthly Statement Credit
Earn a statement credit of up to $10 per monthly billing statement on eligible Grubhub purchases, for a total of up to $120 every 12 billing statements.
|
Credits |
Up to $120/year ($10/billing cycle)
Up to $120
|
|
Lyft Credits
After taking 3 eligible Lyft rides in a calendar month, earn a $10 Lyft credit, for a total of up to $120 in Lyft credits annually.
|
Credits |
Up to $120/year ($10/month)
Up to $120
|
|
Citi Flex Pay
Eligible purchases of $75 or more can be split into fixed monthly payments using Citi Flex Pay with no application or credit check required while continuing to earn miles on purchases.
|
Financial | Complimentary |
|
Flexible Payment Due Date
Cardmembers can choose their billing due date from available dates at the beginning, middle, or end of the month.
|
Financial | Complimentary |
|
No Foreign Transaction Fees
Cardmembers pay no foreign transaction fees on purchases made outside the United States.
|
Financial |
$0
Up to $0
|
|
Common Carrier Trip Cancellation and Interruption Protection
Provides reimbursement for non-refundable trip expenses when a common carrier trip is cancelled or interrupted due to a covered event such as illness, severe weather, or other qualifying circumstances.
|
Insurance | Complimentary |
|
Lost or Damaged Luggage Protection
Covers luggage that is lost, stolen, or damaged by a common carrier when the trip is paid for with the card.
|
Insurance | Complimentary |
|
MasterRental Car Rental Coverage
Provides coverage for damage or theft of eligible rental vehicles when the rental is paid with the card and the cardholder declines the rental agency's collision damage waiver.
|
Insurance | Complimentary |
|
Trip Delay Protection
Reimburses cardmembers for reasonable out-of-pocket expenses such as meals and lodging when a common carrier trip is delayed by a qualifying number of hours and the trip was purchased with the card.
|
Insurance | Complimentary |
|
Citi Entertainment Access
Cardmembers get special access to purchase tickets to thousands of events including presale tickets and exclusive experiences for concerts, sporting events, and arts and culture through Citi Entertainment.
|
Lifestyle | Complimentary |
|
24/7 Customer Service
Live customer service representatives are available 24 hours a day, 365 days a year by calling the number on the back of the card.
|
Other | Complimentary |
|
Authorized User Miles Earning
Cardmembers can add up to 3 authorized users for a combined annual fee, with additional users available for an extra fee per user; miles earned on all authorized user purchases are credited to the primary cardmember's AAdvantage account.
|
Other | $175 for up to 3 users, then $175 per additional user |
|
Automatic Account Alerts
Cardmembers can opt into automatic alerts via email or text for balance updates, payment reminders, and credit limit notifications.
|
Other | Complimentary |
|
Contactless Pay
The chip-enabled card supports tap-to-pay at contactless payment terminals for faster and more convenient in-store transactions.
|
Other | Complimentary |
|
Digital Wallet Compatibility
The card is compatible with major digital wallets enabling contactless payments online, in-app, and in stores.
|
Other | Complimentary |
|
Free FICO Score Access
Cardmembers receive complimentary online access to their FICO Score to help monitor and understand their credit history.
|
Other | Complimentary |
|
Paperless Statements
Cardmembers can opt into paperless statements and electronic communications to receive statements and most legal notices online.
|
Other | Complimentary |
|
10,000 Loyalty Point Bonus at 50,000 Loyalty Points
Earn a 10,000 Loyalty Point bonus after reaching 50,000 Loyalty Points in a status qualification year, helping accelerate AAdvantage elite status qualification.
|
Rewards | 10,000 bonus Loyalty Points |
|
10,000 Loyalty Point Bonus at 90,000 Loyalty Points
Earn an additional 10,000 Loyalty Point bonus after reaching 90,000 Loyalty Points in the same status qualification year, for a total potential bonus of 20,000 Loyalty Points per year.
|
Rewards | 10,000 bonus Loyalty Points |
|
10x Miles on AAdvantage Hotels and AAdvantage Cars
Earn 10 AAdvantage miles per $1 spent on eligible hotel bookings through aadvantagehotels.com and eligible car rentals booked through aa.com/cars with no annual cap.
|
Rewards | 10x miles |
|
1x Miles on All Other Purchases
Earn 1 AAdvantage mile per $1 spent on all other purchases with no mileage cap.
|
Rewards | 1x miles |
|
4x Miles on American Airlines Purchases
Earn 4 AAdvantage miles per $1 spent on eligible American Airlines purchases, with the rate increasing to 5 miles per $1 for the remainder of the calendar year after spending $150,000 in total purchases.
|
Rewards | 4x miles (5x after $150K spend) |
|
AAdvantage Loyalty Points
Earn 1 Loyalty Point for every 1 eligible AAdvantage mile earned from card purchases, helping cardmembers qualify for AAdvantage elite status faster.
|
Rewards | 1 Loyalty Point per mile earned |
|
24-Hour Fraud Protection
Citi monitors the account around the clock and alerts cardmembers if unusual activity is detected.
|
Security | Complimentary |
|
Citi Quick Lock
Cardmembers can instantly block new charges on a misplaced card via the Citi Mobile App or citi.com while allowing existing recurring transactions to continue.
|
Security | Complimentary |
|
EMV Chip Technology
The card includes chip-based technology for enhanced security and global acceptance at chip-enabled terminals.
|
Security | Complimentary |
|
Mastercard ID Theft Protection
Mastercard's ID Theft Protection program monitors personal information chosen by the cardmember and sends alerts if suspicious activity is found. Enrollment is free at mastercardidps.idprotectiononline.com.
|
Security | Complimentary |
|
25% Inflight Food and Beverage Savings
Cardmembers receive 25% savings on inflight food and beverage purchases on American Airlines flights when paying with this card.
|
Travel | 25% savings |
|
Admirals Club Access for Authorized Users
Authorized users added to the account receive complimentary Admirals Club lounge access when traveling on a same-day American Airlines-marketed flight.
|
Travel | Complimentary |
|
Complimentary Admirals Club Membership
Primary cardmembers receive complimentary annual Admirals Club membership (valued at up to $850), granting access to more than 100 Admirals Club lounges and partner lounges worldwide, including complimentary drinks, snacks, and Wi-Fi. Up to 2 guests may accompany the primary cardmember.
|
Travel |
Up to $850/year
Up to $850
|
|
First Checked Bag Free
The primary cardmember and up to 8 companions listed on the same domestic American Airlines reservation each receive their first checked bag free, saving up to $35 per person each way.
|
Travel | Complimentary |
|
No Blackout Dates on Award Travel
AAdvantage miles can be redeemed for flights with no blackout dates, giving cardmembers full flexibility when booking award travel on American Airlines and partner airlines.
|
Travel | Complimentary |
|
No Mileage Earning Cap
There is no limit on the number of AAdvantage miles that can be earned through card purchases.
|
Travel | Unlimited |
