Citi® Platinum Select® / AAdvantage® World MasterCard® issued by Citibank
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Citi® Platinum Select® / AAdvantage® World MasterCard®, one of several Citi® AAdvantage® credit cards offered by Citibank, is designed for those with very good credit who travel regularly on American Airlines. Through the reward program, cardholders earn one mile for every dollar spent on the card. Miles can be redeemed for hotel stays, car rentals, and free travel via American Airlines and participating partners. The card has a maximum of 100,000 miles that can be accumulated each year; however, Advantage Executive Platinum®, AAdvantage® Platinum®, and AAdvantage® Gold® members are excluded from this limit. AAdvantage® miles may never expire. At first glance it may be difficult to distinguish between all of the Citi® AAdvantage® credit cards due to their close similarities. This platinum card has minor differences, such as offering 25,000 bonus miles for the first $750 in purchases made within four months. There is also no 'pre-set spending limit', which simply means that cardholders can occasionally exceed their credit limit based on their payment history and credit score. The APR for purchases is above average for a reward card. The annual fee of $85 is slightly high, but it is waived for the first year. In addition, there is a minimum cap of 19.99% for cash advances, so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap. However, cardholders can expect several platinum benefits including up to $1,000,000 in travel accident insurance, auto rental insurance, and lost and stolen card reporting. This card also offers travel to select destinations for reduced miles. Therefore, those who can afford to pay in full each month (to avoid finance charges), do not plan to spend more than $100,000 on the card a year (due to the yearly limit on miles), and will be able to earn a free ticket within a one-year period (due to the high annual fee after the initial free year) will benefit most from what the Citi® Platinum Select® / AAdvantage® World MasterCard® has to offer. Most Attractive Feature: Bonus miles; no pre-set spending limit; compatible with airline frequent flyer program. Least Attractive Feature: Slightly high annual fee; minimum APR cap for cash advances. Apply Now For Citi® Platinum Select® / AAdvantage® World MasterCard® Note: The review of this Citibank card was updated on 09/22/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Miscellaneous Rates and Terms
Credit Limits:	See Important Notations (Maximum) / See Important Notations (Minimum)
Purchases APR:	14.99%
Cash Advance APR:	19.99% There is a minimum APR on cash advances.
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days (Min.)
Fees Associated with this Card
Annual Fee:	$85** **The annual fee will be waived the first year.
Add. Cardholders:	$0
Late Payment Fee:	$15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
Over-the-Limit Fee:	None
Cash Advance Fee:	3%, $5 minimum
Balance Transfers:	A balance transfer fee applies with this offer* (see site for details).

The Rewards Program Highlights
Optional Reward:	No
Miles Per Dollar:	1 Mile
Additional Miles:	Earn 1 AAdvantage® mile for every $1 you spend on eligible purchases - up to 100,000 miles per year.
	Miles are redeemable for flights on over 25 partner airlines, car rentals, and stays at hundreds of hotels worldwide.
Miles Compatible with Frequent Flyer Program:	Yes
Expiration:	AAdvantage® miles may never expire.
Yearly Limit:	100,000 Miles (AAdvantage® Executive Platinum®, AAdvantage® Platinum®, and AAdvantage® Gold® members are excluded from this limit.)
Other Bonus:	25,000 Miles*
	*Earn 25,000 AAdvantage® bonus miles after $750 in purchases are made within four months of account opening.

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Access to reduced mileage awards. Identity theft solutions. Lost and stolen card reporting. Emergency cash replacement. Emergency card replacement. Automatic bill payments. Auto rental insurance. Year-end financial statement (upon request). Lost luggage assistance. Medical referral services. Legal referral services. Various travel and emergency assistance services. Up to $1,000,000 in travel accident insurance. See website for additional benefits. Important Notes Regarding This Offer The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources. Any amount that exceeds the credit limit must be paid in full. See website for complete terms and conditions of card usage and application disclosure.