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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
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $1,000. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
American Express® Gold Card
35,000 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 4x points at restaurants worldwide. 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
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Hilton Honors American Express Card
75,000 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
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. 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
Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.
Delta SkyMiles® Gold American Express Card
50,000 miles after spending $2,000 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)
Earn 50,000 miles after spending $2,000 in the first 3 months. 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
This no-annual-fee cashback card is one of the most valuable on the market. It boasts a huge signup bonus and up to 5% cashback in multiple purchase categories.
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
Earn a huge signup bonus for a no annual fee card with rewards of up to 5% cash back on popular everyday categories.
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.
Southwest Rapid Rewards® Priority Credit Card
40,000 points after spending $1,000 in the first 3 months
2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases
$149
Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.
Marriott Bonvoy Boundless™ Credit Card
100,000 points after spending $3,000 in the first 3 months
6x points at Marriott Bonvoy hotels and 2x points on all other purchases
$95
Earn 100,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
United℠ Explorer Card
60,000 miles after spending $3,000 in the first 3 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.
Hilton Honors American Express Surpass® Card
125,000 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
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. 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 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
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.
Marriott Bonvoy Bold™ credit card
50,000 points after spending $1,000 in the first 3 months
3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases
$0
50,000 bonus points after you spend $1,000 on purchases in your first 3 months from your account opening.
IHG® Rewards Club Traveler Credit Card
75,000 points after spending $2,000 in the first 3 months
15x total points at IHG hotels, 2x points at gas stations, grocery stores and restaurants and 1x points on all other purchases
$0
Earn 75,000 points after spending $2,000 in the first 3 months from account opening.
Southwest Rapid Rewards® Plus Credit Card
40,000 points after spending $1,000 in the first 3 months
2x points on Southwest Airlines and 1x points on all other purchases
$69
Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open.
Delta SkyMiles® Platinum American Express Card
60,000 miles and 5,000 MQMs after spending $3,000 in the first 3 months
3x miles on Delta and direct hotel purchases, 2x miles at restaurants and US supermarkets and 1x miles for all other purchases
$250
Earn 60,000 miles and 5,000 MQMs after spending $3,000 in the first 3 months. Rates & fees
Delta SkyMiles® Reserve American Express Card
40,000 miles and 10,000 MQMs after spending $3,000 in the first 3 months
3x miles on direct Delta purchases and 1x miles on all other purchases
$550
Earn 40,000 miles and 10,000 MQMs after spending $3,000 in the first 3 months. Rates & fees
British Airways Visa Signature® Card
50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year
3x Avios on British Airways and partner airlines, 2x on hotels and 1x on all other purchases
$95
50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year
Southwest Rapid Rewards® Premier Credit Card
40,000 points after spending $1,000 in the first 3 months
2x points on Southwest Airlines and 1x points on all other purchases
$99
Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months.
IHG® Rewards Club Premier Credit Card
125,000 points after spending $3,000 in the first 3 months
25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases
$89
125,000 points after spending $3,000 in the first 3 months.
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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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