Citi® Bronze®/AAdvantage® MasterCard®

No Annual Fee for the Card Earn 5,000 AAdvantage Bonus Miles after the First Purchase with the Card Earn One AAdvantage® Mile for Every Two Dollars Spent on Eligible Purchases No Blackout Dates

Review: The Citi® Bronze®/AAdvantage® MasterCard®, one of several Citi® AAdvantage® credit cards offered by Citibank, is designed for those with average credit who travel regularly on American Airlines. Through the reward program, cardholders earn one mile for every two dollars spent on the card. Cardholders also receive 5,000 bonus miles after the first purchase is made with the card. Miles are redeemable for flights on over 25 partner airlines, car rentals, and stays at hundreds of hotels worldwide. There is a maximum of 25,000 miles that can be accumulated each year (AAdvantage Executive Platinum®, AAdvantage Platinum®, and AAdvantage Gold® members are excluded from this limit.), and points have no expiration as long as there is account activity at least once every three years. At first glance, it may be difficult to distinguish between all of the Citi® AAdvantage® credit cards due to their close similarities. The Bronze card differs from the others as it has no annual fee and offers no extraordinary benefits or services to cardholders aside from the reward program. It is important to note that although the card has no annual fee, the mileage awarded is about half of what is normally provided by an airline reward 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. Aside from the reward program, cardholders can expect several standard benefits that include travel accident insurance, no liability for unauthorized transactions, and various Internet account related services. Therefore, those who would like an airline reward card with no annual fee and do not plan to spend more than $50,000 on the card in a year (due to the yearly limit on miles) will benefit most from what the Citi® Bronze®/AAdvantage® MasterCard® has to offer.

Date of Review: 2006-04-06 00:00:00

Notes: The minimum APR for cash advances is 19.99%. See website for complete terms and conditions of card usage and application disclosure.

Additional Perks: Various Internet account related services. No liability for unauthorized transactions. Fraud and security protection services. Identity theft solutions. Lost and stolen card reporting. Emergency card replacement. Emergency cash replacement. Automatic bill payment. Year-end financial statement (upon request). Travel accident insurance. Auto rental insurance. See website for additional benefits.