Citi · Mastercard · personal · American AAdvantage
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$99
annual fee · $0 intro annual fee the first year
0%
foreign txn fee
$38
credits/yr realistic ($125 face)
$1,320
sign-up bonus ≈ 80000 miles after $3,500/4mo
Earning
| American Airlines (Airfare (booked direct)) | 2x | 3.3% |
| Dining & restaurants | 2x | 3.3% |
| Gas stations | 2x | 3.3% |
| Everything else | 1x | 1.65% |
Right column: value per $ at travel valuation (1.65¢/pt). Conservative 1¢; TPG ~1.65¢.
Credits
- $125 American Airlines flight discount /anniversary · hard to use$125 flight discount after $20,000 spend in a card year
Benefits
- No foreign transaction fees
- First checked bag free on domestic itineraries (you + 4 companions)
- Preferred boarding
- 25% back on inflight purchases
- Loyalty Points toward AAdvantage status
Protections
| rental car | none |
Notes
WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/citi-aadvantage-platinum-select-world-elite-mastercard/: $99 waived first year, 2x AA/gas/restaurants, first bag free for 5, group 5 boarding, $125 flight discount after $20k, 80k after $3,500, no FTF (Bankrate, Sep 3 2026). Protections still from model knowledge.