physixfan 2025-10-20 2025-10-20
Application Link
Benefits
- 90k offer: earn 90,000 AAdvantage Miles after spending $5,000 within the first 4 months.
- We value AA Miles at 1.5 cents/point (Airline Miles Value), so the 90k highest sign-up bonus is worth about $1,350! See A Beginner’s Guide to AA Miles to check for details about AA Miles.
- Earn 3x AAdvantage miles per $1 spent on eligible American Airlines purchases; earn 6x on eligible AAdvantage Hotels bookings; earn 2x at restaurants (including takeout and delivery) and on Rides and Rails purchases (including taxis, rideshares and public transit); 1x AAdvantage mile per $1 on other purchases.
- Earn 1 Loyalty Point (LP) for every 1 eligible AAdvantage mile earned from purchases to reach AAdvantage status faster.
- Every calendar year, receive 4 Admirals Club Globe Passes.
- Coupon book:
- $100 Splurge Credit: Every calendar year, earn up to $100 in statement credits on your choice of up to 2 of the following brands: 1stDibs, eligible AAdvantage Hotels bookings, Future Personal Training and Live Nation (exclusions apply).
- $240 Turo Credit: Earn up to $30 in statement credits for each eligible Turo trip completed, for a total of up to $240 in statement credits annually.
- $100 In Flight Purchases Credit: Every calendar year, earn up to $100 in statement credits on inflight purchases when you use your card on American Airlines flights.
- Flight Streak bonus: Earn a 5,000 Loyalty Point (LP) bonus after every 4 qualifying American Airlines flights (up to 15,000 additional Loyalty Points (LP) each status qualification year).
- First checked bag free on domestic American Airlines flights for you and up to 8 companions.
- American Airlines Companion Certificate: Earn an American Airlines Companion Certificate starting in your second cardmembership year as long as your cardmembership is renewed.
- Priority boarding on American Airlines flights.
- Global Entry credit.
- No foreign transaction fee.
Disadvantages
- $350 annual fee, NOT waived for the first year.
Recommended Application Time
- [8/65 Rule] You can apply for at most 1 Citi cards every 8 days, and at most 2 Citi cards every 65 days, no matter approved or not.
- [Updated] [1/48 Rule] The welcome bonus is not available if you have received a new account bonus for this card in the past 48 months.
- Citi values the number of recent hard pulls a lot, we recommend you apply when there’s less than 6 hard pulls in the past 6 months.
- We recommend you apply for this card after you have a credit history of at least one year.
Summary
This card is clearly positioned as the mid-tier counterpart to the UA and DL co-branded cards. Its main long-term perk is just the annual companion certificate. If it were easier to use one or two items from the coupon book, it might be slightly more appealing. For people who actually fly AA often, the four club passes barely move the needle. Overall, aside from the welcome bonus, there’s little competitive value here.
Related Credit Cards
| Cards | Citi AA MileUp | Citi AA Platinum | Citi AA Globe | Citi AA Executive | CitiBusiness AA Platinum |
|---|---|---|---|---|---|
| Annual Fee | 0 | $99 | $350 | $595 | $99 |
Recommended Downgrade Options
[2025.3 Update] It seems Citi no longer allows product change between AA cards and TYP cards, therefore if you would like to downgrade this card to a no fee card, your only options are Citi AA MileUp and Citi Costco.
After Applying
- Call 888-201-4523 to check Citi application status.
- Citi reconsideration backdoor number: 605-331-1698. This is a so called “Citi EO” (Executive Office) phone number. This phone number is not designed to make reconsiderations, but the representatives are really helpful.
Historical Offers Chart
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