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

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.

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Updated January 19th, 2019
Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
17.99% to 24.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$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
35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
2x miles
18.24%, 22.24% or 25.24% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months.
1x points
None (Charge Card)
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new card to make $2,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$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
10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months.
1x miles
17.99% to 26.99% variable
$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
75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months.
2x points
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
1x points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1x points
16.99% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
2x points
16.99% variable
$995
Earn 2x points when redeemed for airfare through the Luxury rewards program.

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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.

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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