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Review: Citi® / AAdvantage® Gold World Elite™ Mastercard®

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Please note: This card has been discontinued, and it is not available on our site.

Compare similar credit cards and find the best option for you.The Citi® / AAdvantage® Gold World Elite™ Mastercard® — offered by Citi, a finder.com advertising partner — is an airline miles credit card with a variety of travel rewards, including worldwide travel accident insurance, lost baggage protection, and travel and emergency assistance. Receive one AAdvantage mile for every dollar spent, and redeem the miles for domestic flights on American Airlines and American Eagle carriers. Plus, there are no blackout dates on award travel. You can also earn 25,000 bonus miles when you make $750 in purchases within the first three months of account opening.

The card does come with an annual fee of $50, which is waived for the first year.

Features of the Citi® / AAdvantage® Gold World Elite™ Mastercard®

  • Annual fee:
    As mentioned above, card members pay $50 annually, but the fee is waived for the first year.
  • Rewards:
    There are many beneficial rewards, including air travel bonus miles and savings on in-flight purchases. Card members get to enjoy various Citi / AAdvantage benefits through the AAdvantage program.
  • Security:
    All accounts are monitored to detect any fraudulent activities. Members also get protection for items purchased with the card.

Complimentary insurance policies

  • Automatic travel insurance:
    All Citi® / AAdvantage® Gold World Elite™ Mastercard® members get automatic travel insurance. The card’s coverage extends to the card member’s spouse and eligible children.
  • Car rental insurance:
    Also provided with the card is rental insurance, covering physical damage and theft for certain eligible rental cars. As long as you pay for a rental car using the card, you get the coverage. As is the case with all Citi cards, you must decline waivers provided by the rental company.
  • Lost luggage coverage:
    Lost luggage also gets insurance coverage, and this extends to luggage that has been damaged, stolen or permanently lost by the carrier. Personal items checked by a common carrier are covered as well.

Compare other cards with travel rewards

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
The Platinum Card® from American Express
100,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 15x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 15x points on flights will be capped on up to $500,000 annually (then 1x points).
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Marriott Bonvoy Brilliant™ American Express® Card
100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
$450
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get 5% back on purchases made through the Chase Travel Portal, making this a strong travel card as well as a solid everyday rewards card.
Citi Premier® Card
60,000 points after spending $4,000 in the first 3 months
3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
$95
Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
Luxury Card Mastercard® Black Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Delta SkyMiles® Gold American Express Card
35,000 miles after spending $1,000 in the first 3 months
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees
Hilton Honors American Express Card
80,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
Now earning 5% on Chase Travel Portal purchases, this card has become a worthy travel card pick. Also get up to 5% on other everyday purchases.
Grand Reserve™ World Mastercard®
50,000 points after spending $3,000 in the first 90 days
5x points at Grand Reserve Partners, 3x points at any winery, wine club, wine shop, restaurant or bar and 2x everywhere else. Plus an additional 2x points at the wine merchant you spend the most each month.
$149
Earn 5x points at Grand Reserve Partners, 3x points at any winery, wine club, or wine shop, and 2x everywhere else.
The World of Hyatt Credit Card
25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months
4x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
$95
Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.
Hilton Honors American Express Surpass® Card
130,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$95
With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees
Delta SkyMiles® Blue American Express Card
10,000 miles after spending $500 in the first 3 months
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
$0
Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Costco Anywhere Visa® Card by Citi
N/A
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
$0
Get 3% back on your travel and dining purchases with no foreign transaction fees and use the card for your Costco membership.
Luxury Card Mastercard® Gold Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
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How to apply for the Citi® / AAdvantage® Gold World Elite™ Mastercard®

Interested in applying for this card? Ensure that you meet the following key requirements:

  • 18 years or older:
    Card members must meet the minimum age requirement of at least 18 years.
  • Valid Social Security number:
    All applicants must provide a SSN with their application.

Below are the application requirements:

  • Personal information:
    This includes your email address, home address, primary phone number, residential information and full name.
  • Employment and financial information:
    You’ll need to give details on your annual salary and other sources of income, work phone numbers, monthly rent / mortgage payments and bank accounts.

This Citi® / AAdvantage® Gold World Elite™ Mastercard® can be a great option for frequent flyers who wish to enjoy savings and bonuses during trips, yet do not want to have to deal with high annual card fees.

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