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Citi credit card

Citi® / AAdvantage® Globe™ Mastercard®

$350 a year. 60,000 AAdvantage® miles after you spend $4,000 in 3 months. Purchase APR 19.74–29.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Citi’s terms

Welcome offer

60,000 miles

After you spend $4,000 on purchases in your first 3 months.

Spending it takes
$1,333 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

New cardmembers only. Subject to credit approval. The bonus is not available if you have received a new account bonus for a Citi® / AAdvantage® Globe™ account in the past 48 months or converted another Citi credit card account on which you earned a new account bonus in the last 48 months.

Who can get it: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

“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.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender−$220−$220
Typical spender$585−$15
Heavy spender$1,235$635
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.

−$220a year

The same in the first year and after.

Rewards and credits$130

−$220 after the fee−$350 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.

−$15a year

$585 the first year, with the welcome bonus.

Rewards and credits$335

−$15 after the fee−$350 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.

$635a year

$1,235 the first year, with the welcome bonus.

Rewards and credits$985

You keep $635−$350 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Other miles cards with fees over $300

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

American Airlines AAdvantage®

How you earn

6×
eligible AAdvantage Hotels™ bookings
3×
eligible American Airlines purchases
2×
restaurants, including takeout and deliveryeligible Rides and Rails™ purchases, including taxis, rideshares and public transit
1×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Benefits

  • Turo statement credit: $30 other
  • American Airlines inflight purchase statement credit: $100 annual
  • Annual Splurge Credit®: $100 annual
  • Global Entry® or TSA PreCheck® application fee credit: $120 every 4 years
  • First checked bag free on domestic American Airlines itineraries for the cardmember and up to 8 companions on the same reservation
All 25 benefits
  • Up to $120 every 4 years for a Global Entry® or TSA PreCheck® application fee
  • 4 Admirals Club® Globe™ Passes every calendar year, providing access to nearly 50 Admirals Club® lounges
  • Preferred boarding on American Airlines flights for the cardmember and up to 8 companions on the same reservation
  • Flight Streak™ bonus: 5,000 Loyalty Points after every 4 qualifying American Airlines flights, up to 15,000 additional Loyalty Points each status qualification year
  • American Airlines Companion Certificate starting in the second cardmembership year when the cardmembership is renewed; valid for a single qualifying round-trip main cabin domestic flight, with a $99 ticketing fee plus taxes and fees
  • Earn 1 AAdvantage® Loyalty Point toward status for every 1 eligible AAdvantage® mile earned from purchases
  • No foreign transaction fees
  • No limit on the amount of AAdvantage® miles that can be earned
  • AAdvantage® miles can be redeemed for flights, seat upgrades, car rentals, hotel stays, vacation packages and more
  • Citi Entertainment® special access to ticket purchases, including presale tickets and exclusive experiences
  • Citi® Flex Pay available on eligible purchases of $75 or more
  • Free access to FICO® Score online
  • Citi Quick Lock, automatic account alerts, digital wallets, contactless payment and 24/7 customer service
  • Trip cancellation
  • Baggage
  • Rental car
  • Trip delay
  • Extended warranty
  • Purchase protection
  • Other

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

Questions

What is the annual fee?
$350 · Reported to the CFPB, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · citi.com, since Sep 29, 2026
What is the purchase APR?
19.74–29.74% APR · citi.com, since Oct 7, 2026
Is there a welcome bonus?
60,000 AAdvantage miles after $4,000 in purchases in 3 months. · citi.com, since Oct 11, 2026
See it on citi.com

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