Citi / AAdvantage Gold World Elite Mastercard Review | finder.com

Review: Citi® / AAdvantage® Gold World Elite™ Mastercard® – July 2018

We know that everyone's situation is unique and we aim to help you find the right product for you. We may receive compensation when you visit our partners' sites or are approved for their products. You can read more about how we maintain editorial independence and how we make money here.

The Citi® / AAdvantage® Gold World Elite™ Mastercard® allows frequent flyers to earn and redeem miles with their travel, as well as earn points with various purchases.

Product NameCiti® / AAdvantage® Gold World Elite™ Mastercard®
Card TypeMastercard
Annual Fee$0 annual fee for the first year ($50 thereafter)
APR (Annual Percentage Rate) for Purchases17.74% to 25.74% variable
Balance Transfer Fee3% or $5 (whichever is greater)
Cash Advance Rate26.99% variable
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Foreign Transaction Fee3% of the transaction amount
Interest Free PeriodUp to 23 days
Minimum Interest$0.5
Late Payment Fee$35
Returned Payment Fee$35
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome BonusEarn 25,000 points after your first purchase
Reward Value per Dollarpoints
Rewards Points ExpiryNever

The Citi® / AAdvantage® Gold World Elite™ Mastercard® 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 Citi credit cards

Updated July 20th, 2018
Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
15.24% to 25.24% variable
0% for the first 18 months (then 15.24% to 25.24% variable)
$0
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
15.24% to 25.24% variable
0% for the first 15 months (then 15.24% to 25.24% variable)
$0
Enjoy our low intro APR for 15 months on purchases and balance transfers.
24.24% variable
$0
Start building credit for tomorrow with a secured credit card.
15.74% to 24.74% variable
$0
Get rewarded for purchases you're already making with the AT&T Access Card, a top rewards credit card from Citi. Apply for the AT&T credit card today and start earning ThankYou® Points redeemable for gift cards, travel rewards electronics and much more.
15.74% to 25.74% variable
0% for the first 18 months (then 15.74% to 25.74% variable)
$0
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
17.49% to 25.49% variable
$450
Complimentary 4th night stay at any hotel of your choice after a minimum 4-consecutive night booking through ThankYou.com
16.99% variable
$0
Earn Costco cash rewards everywhere Visa® is accepted.
14.74% to 24.74% variable
0% for the first 21 months (then 14.74% to 24.74% variable)
$0
Lowest intro APR for 21 months plus VIP Access.
17.49% to 25.49% variable
$450
Earn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
17.74% to 25.74% variable
$0 annual fee for the first year ($99 thereafter)
Earn 60,000 AAdvantage® bonus miles after you spend $3,000 in the first 3 months.
16.24% to 26.24% variable
$0
Earn 2,500 bonus points after spending $500 within the first 3 months of account opening.
17.74% to 25.74% variable
$0 annual fee for the first year ($50 thereafter)
Earn 25,000 American Airlines AAdvantage® bonus miles after you spend $750 in purchases within the first 3 months of account opening.
16.24% to 25.24% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy Great Rewards and Earn ThankYou® Points on Dining, Entertainment, Travel and more

Compare up to 4 providers

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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Go to site