| Category | Rate | Type | Cap |
|---|---|---|---|
|
American Airlines Purchases
Earn 2 AAdvantage miles per $1 spent on eligible American Airlines purchases.
|
2x | Miles | No cap |
|
Dining
Earn 2 AAdvantage miles per $1 spent at restaurants, including takeout.
|
2x | Miles | No cap |
|
Gas Stations
Earn 2 AAdvantage miles per $1 spent at gas stations.
|
2x | Miles | No cap |
|
All Other Purchases
Earn 1 AAdvantage mile per $1 spent on all other purchases.
|
1x | Miles | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Turo Statement Credit
Cardmembers can earn up to $30 in statement credits per eligible Turo trip completed between October 19, 2025 and October 18, 2026, for a total of up to $180 in statement credits. Card must be linked to a Turo account and used to pay for the trip.
|
Credits |
Up to $180 ($30 per trip)
Up to $180
|
|
Annual Fee Waived First Year
The $99 annual fee is waived for the first 12 months of card membership.
|
Financial |
$99 waived
Up to $99
|
|
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. Rewards continue to be earned as normal.
|
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
|
|
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 authorized users to the account and earn AAdvantage miles on all purchases made by those users.
|
Other | Complimentary |
|
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 while maintaining full card benefits.
|
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 |
|
1x Miles on All Other Purchases
Earn 1 AAdvantage mile for every $1 spent on all other purchases with no mileage cap.
|
Rewards | 1x miles |
|
2x Miles at Gas Stations
Earn 2 AAdvantage miles for every $1 spent at gas stations with no annual cap.
|
Rewards | 2x miles |
|
2x Miles at Restaurants
Earn 2 AAdvantage miles for every $1 spent at restaurants, including takeout, with no annual cap.
|
Rewards | 2x miles |
|
2x Miles on American Airlines Purchases
Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases with no annual cap.
|
Rewards | 2x miles |
|
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 |
|
No Mileage Earning Cap
There is no limit on the number of AAdvantage miles that can be earned through card purchases.
|
Rewards | Unlimited |
|
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 and available at mastercardidps.idprotectiononline.com.
|
Security | Complimentary |
|
$125 American Airlines Flight Discount
Cardmembers earn a $125 American Airlines flight discount after spending $20,000 or more in purchases during a cardmembership year and renewing the card.
|
Travel |
$125
Up to $125
|
|
25% Inflight Food & Beverage Savings
Cardmembers receive 25% savings on inflight food and beverage purchases on American Airlines flights when paying with this card.
|
Travel | 25% savings |
|
First Checked Bag Free
The primary cardmember and up to 4 companions on the same domestic American Airlines reservation each receive their first checked bag free. This benefit can save up to $400 per round trip for a group of 5.
|
Travel | Up to $400 per round trip (group of 5) |
|
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.
|
Travel | Complimentary |
|
Preferred Boarding
Cardmember and up to 4 companions listed on the same reservation enjoy preferred boarding on American Airlines flights, providing earlier access to overhead bin space.
|
Travel | Complimentary |
