Pros & Cons
When you make purchases with American Airlines or everyday purchases made with the card, you can earn miles. Your miles can be redeemed against flights with the airline and their partners, and you can get discounts on in-flight purchases. There is no annual fee for the first year of membership with Citi/ AAdvantage Gold MasterCard but every subsequent year is $50. There are foreign transaction fees of 3% but there is also a sign-up bonus.
$0 Annual Fee First Year
Foreign Transaction Fees
14.49% – 22.49%
As the consumer division of Citigroup, Citibank offers customers services in checking and savings accounts, loans, wealth management advice, and small business options. In 2014, the bank received 1,320 complaints with a 100% of all complaints addressed – 77% of these complaints were resolved with customer satisfaction. Citigroup is based in New York City, though Citibank has a presence all across the US.