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Credit Card Rewards Wizard: Discover the Best Credit Card Reward Deals

Note: The default US Consumer Monthly Expenditure Amount refer to Consumer Expenditure Survey (CE) program

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Total you spend per month:	$	Gas Stations:	$
Restaurants:	$	Supermarkets and Drug Stores:	$
Convenience Stores:	$	Warehouse Clubs or Featured Stores:	$
Utilities (including TV):	$	Phone and Internet:	$
Wireless Phone Services:	$	Home Improvement Stores:	$
Airlines, Hotels, Cruises, and Tours:	$	Auto/Vehicle Rentals:	$
Book/Music/Video Stores, Movies:	$	Office Supply Stores:	$
Tax, Accounting, and Legal Services:	$	Web Advertising and Hosting:	$
Computer and Electronics Stores:	$	U.S. Postal Services:	$

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Citi® Gold/AAdvantage® World MasterCard® Rewards Earning Details

Estimated Monthly Spent Summary:

U.S. Postal Services: $12
Auto/Vehicle Rentals: $157.5
Phone and Internet: $78.7
Utilities (including TV): $154.4
Supermarkets and Drug Stores: $242.2
Restaurants: $166.5
Gas Stations: $165.2
Total you spend per month: $1284.95

Annually Spent in Total: $15419.4

Gas Rewards

$1,982.40 * 1.00 point(s) = $1,982

Total Other Points Earning in 12 month(s): 1,982 mile(s)

Restaurant Rewards

$1,998.00 * 1.00 point(s) = $1,998

Total Other Points Earning in 12 month(s): 1,998 mile(s)

Foodndrug Rewards

$2,906.40 * 1.00 point(s) = $2,906

Total Other Points Earning in 12 month(s): 2,906 mile(s)

Utility Rewards

$1,852.80 * 1.00 point(s) = $1,853

Total Other Points Earning in 12 month(s): 1,853 mile(s)

Telecom Rewards

$944.40 * 1.00 point(s) = $944

Total Other Points Earning in 12 month(s): 944 mile(s)

Autorental Rewards

$1,890.00 * 1.00 point(s) = $1,890

Total Other Points Earning in 12 month(s): 1,890 mile(s)

Postal Rewards

$144.00 * 1.00 point(s) = $144

Total Other Points Earning in 12 month(s): 144 mile(s)

Other Rewards

$3,701.40 * 1.00 point(s) = $3,701

Total Other Points Earning in 12 month(s): 3,701 mile(s)

Bonus: 12500 bonus mile(s) when the first time using the Card

Total Estimated Points Earnings Annually: 27,919 mile(s)

Citi® Gold/AAdvantage® World MasterCard® Review:

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 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 gold card differs, because it offers 15,000 AAdvantage® bonus miles after you make $750 in purchases within 4 months and 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.

(Review Updated: May 05, 2008)

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