Specifics

• Introductory Rate: No Introductory Rate Available
• Applied Towards: None
• APR (Purchases): 14.99% The APR for purchases is based on the Prime Rate.
• APR (Cash Advances): 19.99% There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
• Finance Configuration: Average Daily Balance (including new purchases)
• Annual Fee: None
• Additional Cardholders: $0
• Grace Period: 20 Days (Min.)
• Minimum Credit Limit: $500
• Maximum Credit Limit: n/a
• 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: n/a
• Cash Advance Fee: 3%, $5 minimum
• Balance Transfer Fee: A balance transfer fee applies with this offer* (see site for details).

Reward Program Details

• Points per Dollar: n/app
• Additional Points: n/app
• Point Details: n/app
• Expiration: AAdvantage® miles may never expire. (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
• Yearly Limit: 25,000 Miles (AAdvantage® Executive Platinum®, AAdvantage® Platinum®, and AAdvantage® Gold® members are excluded from this limit.)

Review

The Citi® Bronze® / AAdvantage® World 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 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 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® World MasterCard® has to offer. Last Modified Date: 9/22/2008 12:00:00 AM

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.
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Important Notations

See website for complete terms and conditions of card usage and application disclosure.