Citi® Gold/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® Gold/AAdvantage® World MasterCard®, one of several Citi® AAdvantage® credit cards offered by Citibank, is designed for those with good credit who travel with 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 flights via American Airlines and its participating partners. There is a maximum of 60,000 miles that can be accumulated each year, and 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. The gold card differs, because it offers 15,000 bonus miles after $750 are made within four months of account opening and it has a no 'pre-set spending limit' policy, which simply means that cardholders can occasionally exceed their credit limit based on their credit and payment history. The fact that the annual fee for the gold card is waived for the first year and is $50 thereafter, which is lower than that of the platinum card, may prove to be a better option for those who do not plan on spending more than $60,000 per year on the card. The APR for purchases is above average for a reward card. There is also 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 common gold benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, and a year-end financial statement. Therefore, those who can afford to pay in full each month (to avoid finance charges), do not plan to spend more than $60,000 on the card a year (due to the yearly limit on miles), and will be able to earn a free ticket within a three-year period (due to the annual fee) will benefit most from what the Citi® Gold/AAdvantage® World MasterCard® has to offer. Most Attractive Feature: Bonus miles; no pre-set spending limit. Least Attractive Feature: Yearly limit on rewards miles earned; minimum APR cap for cash advances; annual fee. Apply Now For Citi® Gold/AAdvantage® World MasterCard® Note: The review of this Citibank card was updated on 05/28/2008 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:	$50** **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
	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:	60,000 Miles (AAdvantage® Executive Platinum®, AAdvantage® Platinum®, and AAdvantage® Gold® members are excluded from this limit.)
Other Bonus:	15,000 Miles*
	*Earn 15,000 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. Fraud and security protection services. Automatic bill payments. Up to $1,000,000 in travel accident insurance. Auto rental insurance. No liability for unauthorized transactions. Year-end financial statement (upon request). 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.