Find the travel card that’s built for the way you explore

The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.

Citi^® Quick Lock

Safely and instantly lock and unlock your account if you ever misplace your card. You can protect your account without having to change account numbers or order a new card.

$0 Liability on Unauthorized Charges

As a Citi cardmember, you’re protected with $0 liability on unauthorized charges – which means you’re not responsible for charges you didn’t authorize. For additional information on this, please visit cardbenefits.citi.com for details. If you think any unauthorized transactions have been made, let us know right away by opening a dispute in the Citi Mobile^® App, Citi^® Online or by calling us.

Fraud Early Warning

If we notice suspicious activity, we will contact you to confirm activity on the account.

Account Alerts

We’ll provide you customizable alerts with information about your account via email or mobile phone at the frequency that works for you.

FICO^® Score

View your FICO^® Score anytime, with no impact to your score. It’s updated monthly and easy to find on the Citi Mobile^® App and Citibank^® Online. See the key factors affecting your score, your 6-month score history graph, information on how scores are determined and more.

Card Features

Billing Dispute Resolution

If you ever have a billing problem regarding merchandise you’ve charged, we’ll work closely with you and the merchant to help settle the dispute.

Citi Entertainment^®

Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences and more.

Digital Wallets

Shop with confidence at millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card.

Citi Mobile App

Access your account on the go from your smartphone or tablet. Activate your card, check your balances and transactions, make payments and set up notifications.

Paperless Statements and E-Communications

Reduce clutter and get organized by accessing new statements and statements within the last 12 months online. You will also receive an email reminder each month when your statement is ready.

Contactless Pay

Shop securely with a contactless-chip-enabled card. Just tap your card on the payment reader and go in seconds.

¹American Airlines AAdvantage^® MileUp^® Card Pricing and Other Information

*Pricing

For the AAdvantage MileUp^® Card: The standard variable APR for purchases is % to %, based on your creditworthiness. Balance transfers and Citi Flex Plan are also subject to the standard variable purchase APR. The standard variable APR for cash advances is %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge is $. Fee for Foreign Purchases — 3% of the U.S. dollar amount of each purchase. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater. Annual fee — none.

For the AAdvantage MileUp^℠ Card: The variable APR for purchases is % to %, based on your creditworthiness. Balance transfers where Citi pays the creditor directly and Citi Flex Plan are also subject to the variable APR of — %, based on your creditworthiness. For all other balance transfers, including those for which we send you a check or where we make a direct deposit into your bank account, a variable APR of % to %, based on your creditworthiness, applies. The variable APR for cash advances is %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge is $. Fee for Foreign Purchases — 3% of the U.S. dollar amount of each purchase. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater. Annual fee — none.

For the AAdvantage MileUp^℠ Card: The variable APR for purchases is % to %, based on your creditworthiness. Balance transfers where Citi pays the creditor directly are also subject to the variable APR of — %, based on your creditworthiness. For all other balance transfers, including those for which we send you a check or where we make a direct deposit into your bank account, a variable APR of % to %, based on your creditworthiness, applies. For Citi Flex Plans subject to an APR, the variable APR is % — %, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge is $. Fee for Foreign Purchases — 3% of the U.S. dollar amount of each purchase. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater. Annual fee — none.

The variable APR for purchases and balance transfers is % — %, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is % — %, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge is $. Fee for Foreign Purchases — 3% of the U.S. dollar amount of each purchase. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater. Annual fee — none. New card members only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.

**Offer Availability

American Airlines AAdvantage^® bonus miles are not available if you have received a new account bonus for a AAdvantage^® MileUp^® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a AAdvantage^® MileUp^® account. The card offer referenced in this communication is only available to individuals who reside in the United States and its territories, excluding Puerto Rico and U.S. Virgin Islands.

AAdvantage^® Bonus Miles

Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler's checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) are not purchases. American Airlines AAdvantage^® bonus miles typically will appear as a bonus in your AAdvantage^® account 8 to 10 weeks after you have met the purchase requirements. AAdvantage^® miles may be earned on purchases made by primary credit cardmembers and Authorized Users. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. AAdvantage^® miles earned will be posted to the primary credit cardmember's AAdvantage^® account.

1 AAdvantage^® mile

AAdvantage^® miles are earned on purchases, except balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler's checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions). 1 AAdvantage^® miles may be earned on purchases made by primary credit cardmembers and Authorized Users. 1 AAdvantage^® miles earned will be posted to the primary credit cardmember's AAdvantage^® account in 8 to 10 weeks.

2X AAdvantage^® Miles on American Airlines Purchases

Earn 1 AAdvantage^® base mile and 1 AAdvantage^® bonus mile, for a total of 2 AAdvantage^® miles on eligible American Airlines purchases. Eligible American Airlines purchases are items billed by American Airlines as the merchant of record. Products or services that do not qualify are car rentals and hotel reservations, purchase of AAdvantage^® status boost or renewal, and AA Cargo^™ products and services. AAdvantage^® miles earned will be posted to the primary credit cardmember’s AAdvantage^® account in 8-10 weeks.

2X AAdvantage^® Miles on Grocery Store Purchases

Earn 1 base AAdvantage^® mile and 1 AAdvantage^® bonus mile, for a total of 2 AAdvantage^® miles for each $1 spent on purchases at grocery stores. Grocery stores are classified as supermarkets, freezer/meat locker provisioners, dairy product stores, miscellaneous food/convenience stores, markets, specialty vendors, and bakeries.

Certain Non-Qualifying Purchases

You won't earn double AAdvantage^® miles for purchases at general merchandise/discount superstores, wholesale/warehouse clubs, candy/confectionery stores, cafes, bars, lounges, and fast food restaurants.

Merchant Classification for Rewards Categories

Merchants are assigned a merchant category code ("M C C"), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. Citi does not control the assignment of these codes and is not responsible for the codes used by merchants. When you use your card to make a purchase, Citi is provided an M C C for that purchase. Citi groups similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn't grouped into that category as recognized by Citi, your purchase. For example, you won't earn additional AAdvantage^® miles for purchases at a restaurant located within a retailer if the restaurant is assigned a "retailer" code instead of a "restaurant" code. Please also note - purchases made through mobile/wireless technology may not earn additional AAdvantage^® miles depending on how the technology is set up to process the purchase.

Citi reserves the right to determine which purchases qualify for this offer. AAdvantage^® miles may be earned on purchases made by primary credit cardmembers and Authorized Users. Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler's checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) do not earn AAdvantage^® miles. AAdvantage^® miles earned will be posted to the primary credit cardmember's AAdvantage^® account in 8 to 10 weeks.

25% Savings on Eligible Inflight Purchases

Citi^® / AAdvantage^® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their Citi^® / AAdvantage^® credit card. Savings do not apply to any other inflight purchases, such as wireless internet access. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines LLC, PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8 to 10 weeks after the transaction is posted to the credit cardmember's card account. Applicable terms and conditions are subject to change without notice.

American Airlines Vacations Leisure Discount Program

This discount is only available online via the designated American Airlines Vacations discount program website accessible through aavacations.com/citi. Accessing aavacations.com via any other source will not provide this discount. Our professional reservations representatives are available by phone but the discount only applies to online bookings made via the designated American Airlines Vacations discount program website. Any changes to a booking made by our reservations representatives will result in the loss of the discount. Cancellations are subject to all applicable penalties. All sales are subject to American Airlines Vacations normal cancellation and refund policies, which vary by destination. Once you have selected your destination and itinerary, you should review these policies by reading the Terms and Conditions, available on the payment page, before purchasing your travel arrangements.

No Mileage Cap

There is no maximum number of American Airlines AAdvantage^® miles that you can accumulate through your Citi^® / AAdvantage^® credit card account.

Mileage Expiration

For primary AAdvantage^® credit cardholders, AAdvantage^® miles do not expire as long as the card account is open. For details, click here.

1 Loyalty Point per eligible AAdvantage^® mile

1 Loyalty Point accrues for every eligible AAdvantage^® mile earned on purchases, excluding balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions). Eligible AAdvantage^® miles include the AAdvantage^® base miles earned on purchases, and do not include any AAdvantage^® bonus miles or accelerators. Loyalty Points may be earned on AAdvantage^® miles on purchases made by primary credit cardmembers and Authorized Users. Loyalty Points earned will be posted to the primary credit cardmember’s AAdvantage^® account in 8 to 10 weeks.

If Citi sees evidence of fraud, misuse, abuse, or suspicious activity, as determined by Citi in its sole discretion, Citi reserves the right to take action against you and your credit card account. This may include, without limitation and without prior notice, declining your credit card account application, stopping you from earning American Airlines AAdvantage^® miles for purchases made with your card, suspending or closing your Citi^® / AAdvantage^® card account, and advising American Airlines of such activity. Citi may also take legal action against you to recover monetary losses, including litigation costs and damages. Examples of activities that may trigger such actions include, but are not limited to, the following: (1) application for a card account in an attempt to take advantage of a bonus offer that was not intended for you or for which you are not eligible per the terms of the offer; (2) repeated cancellation or conversion of your Citi card accounts within one year after account opening or conversion; (3) returns of purchases you made to satisfy all or a substantial portion of the purchase requirements for a bonus offer or excessive returns of purchases for which you have earned AAdvantage^® miles or (4) using your account other than for personal, family, or household purposes.

The Card Account is only available if you have an open AAdvantage^® program membership in your name. Citi reserves the right to cancel your Card Account if you or American Airlines terminates or deactivates your AAdvantage^® program membership.

²Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® Pricing and Other Information

*Pricing

For the Citi^® / AAdvantage^® Platinum Select^® card: The standard variable APR for purchases % — %, based on your creditworthiness. Balance transfers and Citi Flex Plan are also subject to the standard variable purchase APR. The standard variable APR for cash advances — %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. The annual fee for this card is . However, this fee is waived for the first 12 months. Minimum interest charge — $. Fee for foreign purchases — None. Cash advance fee — Either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater.

For the Citi^® / AAdvantage^® Platinum Select^® card: The variable APR for purchases is % — %, based on your creditworthiness. Balance transfers where Citi pays the creditor directly and Citi Flex Plan are also subject to a variable APR of % — %, based on your creditworthiness. For all other balance transfers, including those for which we send you a check or where we make a direct deposit into your bank account, a variable APR of % to %, based on your creditworthiness, applies. The variable APR for cash advances — %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. The annual fee for this card is . However, this fee is waived for the first 12 months. Minimum interest charge — $. Fee for foreign purchases — None. Cash advance fee — Either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater.

For the Citi^® / AAdvantage^® Platinum Select^® card: The variable APR for purchases is % — %, based on your creditworthiness. Balance transfers where Citi pays the creditor directly are also subject to a variable APR of % — %, based on your creditworthiness. For all other balance transfers, including those for which we send you a check or where we make a direct deposit into your bank account, a variable APR of % to %, based on your creditworthiness, applies. For Citi Flex Plans subject to an APR, the variable APR is % — %, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances — %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. The annual fee for this card is . However, this fee is waived for the first 12 months. Minimum interest charge — $. Fee for foreign purchases — None. Cash advance fee — Either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater.

The variable APR for purchases and balance transfers is % — %, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is % — %, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances — %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. The annual fee for this card is . However, this fee is waived for the first 12 months. Minimum interest charge — $. Fee for foreign purchases — None. Cash advance fee — Either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater. New card members only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.

**Offer Availability

American Airlines AAdvantage^® bonus miles are not available if you have received a new account bonus for a Citi^® / AAdvantage^® Platinum Select^® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi^® / AAdvantage^® Platinum Select^® account. The card offer referenced in this communication is only available to individuals who reside in the United States and its territories, excluding Puerto Rico and U.S. Virgin Islands.

AAdvantage^® Bonus Miles

1 AAdvantage® mile Per $1

AAdvantage^® miles are earned on purchases, except balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler's checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions). AAdvantage^® miles may be earned on purchases made by primary credit cardmembers and Authorized Users. AAdvantage^® miles earned will be posted to the primary credit cardmember's AAdvantage^® account in 8 to 10 weeks.

2X AAdvantage^® Miles on American Airlines Purchases

Earn 1 base AAdvantage^® mile and 1 bonus AAdvantage^® mile, for a total of 2 AAdvantage^® miles on eligible American Airlines purchases. Eligible American Airlines purchases are items billed by American Airlines as merchant of record booked through American Airlines channels aa.com, American Airlines reservations, American Airlines Admirals Club^®, American Airlines Vacations, and American Airlines airport and city ticket counters). Products or services that do not qualify are car rentals and hotel reservations, purchase of AAdvantage^® status boost or renewal, and AA Cargo^™ products and services. AAdvantage^® miles earned will be posted to the primary credit cardmember’s AAdvantage^® account in 8 to 10 weeks.

2X AAdvantage^® Miles at Restaurants and Gas Stations

Earn 1 base AAdvantage® mile and 1 bonus AAdvantage® mile, for a total of 2 AAdvantage^® miles for each $1 spent on purchases at restaurants (including cafes, bars, lounges, and fast food restaurants) and at gas stations. Food and beverage purchases made at the American Airlines Admirals Club. will be awarded 2 AAdvantage^® miles for each $1 spent as part of the Double AAdvantage^® miles on American Airlines purchases benefit.

Certain Non-Qualifying Purchases

Restaurant purchases not eligible to receive double AAdvantage^® miles include, but are not limited to, supercenters, warehouse clubs, discount stores, restaurants / cafes inside department stores, bowling alleys, public and private golf courses, country clubs, convenience stores, movie theaters, caterers and meal kit delivery services. Gas station purchases not eligible to receive double AAdvantage^® miles include, but are not limited to, purchases made at warehouse clubs that do not code gas station purchases under a gas station code, discount stores, department stores and convenience stores.

Merchant Classification for Rewards Categories

Merchants are assigned a merchant category code (“M C C”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. Citi does not control the assignment of these codes and is not responsible for the codes used by merchants. When you use your card to make a purchase, Citi is provided an M C C for that purchase. Citi groups similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category as recognized by Citi, your purchase will not qualify for additional AAdvantage^® miles. [For example, you won’t earn additional AAdvantage^® miles for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code.] Please also note — purchases made through mobile/wireless technology may not earn additional AAdvantage^® miles depending on how the technology is set up to process the purchase.

Citi reserves the right to determine which purchases qualify for this offer. AAdvantage^® miles may be earned on purchases made by primary credit cardmembers and Authorized Users. Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) do not earn AAdvantage^® miles. AAdvantage^® miles earned will be posted to the primary credit cardmember’s AAdvantage^® account in 8 to 10 weeks.

Preferred Boarding

For benefit to apply, the Citi^® / AAdvantage^® account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember's American Airlines AAdvantage^® number 7 days prior to air travel.
If you are checking in online for your flight to be eligible for preferred boarding on this trip, you must be a party to this reservation and apply and be approved for a Citi^® / AAdvantage^® credit card through the link on the checking bags page aa.com or mobile app during check-in. To access this link, you must have an active domestic flight reservation that departs within 24-hours or be eligible for check-in.

If your credit card account is closed for any reason, this benefit will be cancelled. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. Up to four companions traveling with and listed in the same reservation as the Citi^® / AAdvantage^® primary credit cardmember are eligible to board at the same time as the primary credit cardmember. Applicable terms and conditions are subject to change without notice.
Eligible credit cardmembers will board after Priority boarding is complete, but before the rest of economy boarding. The boarding benefit will display on your American Airlines boarding pass as Group 5. This benefit applies on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle^® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines LLC, PSA Airlines, Inc., or Piedmont Airlines, Inc.

First Checked Bag Free

If you are checking in online for your flight to be eligible for first checked bag free on this trip, you must be a party to this reservation and apply and be approved for a Citi^® / AAdvantage^® credit card through the link on the checking bags page aa.com or mobile app during check-in. To access this link, you must have an active domestic flight reservation that departs within 24-hours or be eligible for check-in.

If your credit card account is closed for any reason, these benefits will be cancelled. Eligible Citi^® / AAdvantage^® primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines, or on itineraries marketed by American Airlines and operated as American Eagle^® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines LLC, PSA Airlines, Inc., or Piedmont Airlines, Inc. All flights on the itinerary must be domestic flights marketed by American Airlines and operated by American Airlines or American Eagle. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. For the Citi^® / AAdvantage^® credit card, up to four companions traveling with the eligible primary credit cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Waiver does not apply to overweight or oversized bags. This benefit cannot be combined with any existing AAdvantage^® program benefits, or with First or Business class benefits, including any waiver of baggage charges. Please see aa.com/baggage for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

25% Savings on Eligible Inflight Purchases

Citi^® / AAdvantage^® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their Citi^® / AAdvantage^® card. Savings do not apply to any other inflight purchases, such as wireless internet access. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines LLC, PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8 to 10 weeks after the transaction is posted to the credit cardmember's card account. Applicable terms and conditions are subject to change without notice.

$125 American Airlines Flight Discount

Earn a $125 American Airlines Flight Discount certificate (the "Flight Discount") after you spend $20,000 or more in purchases that post to your Citi^® / AAdvantage^® Platinum Select^® credit card billing statement during your credit cardmembership year (every 12 months from the billing cycle after your anniversary month through the billing cycle of your next anniversary month). With the exception of special account status or circumstances (e.g. Military relief programs), the anniversary month will coincide with the month in which the annual fee is billed. To receive the Flight Discount, your account must be open for one full billing cycle after your anniversary month. For your first year of credit cardmembership, purchases qualify as of the date of your account opening. The Flight Discount expires one year from date of issue of the certificate. The Flight Discount is redeemable toward the initial ticket purchase of air travel only on flights marketed or operated by American Airlines or American Airlines codeshare flights for itineraries originating in the U.S., Puerto Rico, or U.S. Virgin Islands. The Flight Discount is redeemable online at aa.com, or by calling American Airlines Reservations. A reservations services fee may apply for travel booked through American Airlines Reservations. The Flight Discount is redeemable only toward the purchase of the base airfare and directly associated taxes, fees and charges that are collected as part of the fare calculation for travel. The Flight Discount cannot be used to pay the taxes and charges on mileage redemption tickets where only taxes and fees are being collected. The Flight Discount may not be used for flight products and/or services that are sold separately or non-flight products and/or services sold by American Airlines. If the ticket price is greater than the value of the Flight Discount, the difference must be paid only with a credit, debit or charge card, or with American Airlines Gift Cards. Any unused balance can be applied towards eligible future travel until the stated expiration date. If travel booked with the Flight Discount is cancelled or changed by the credit cardmember, the Flight Discount will be forfeited and the credit cardmember will be responsible for any applicable fare difference and the applicable change fee. The Flight Discount will not be replaced for any reason. The Flight Discount is non-refundable, may not be sold and has no cash redemption value. After qualification, please allow 8-12 weeks for delivery of the Flight Discount.

American Airlines Vacations Leisure Discount Program

This offer provides a 10% discount on non-flight components of qualifying American Airlines Vacations travel packages. Discount will be applied to non-flight components (hotels, rental cars, theme park passes, sightseeing tours, etc.) when purchased via aavacations.com/citi. The discount is applied to prices provided throughout the booking path and is reflected in the price page. A maximum of 6 passengers can be listed in a single reservation for an American Airlines Vacations booking.
This discount is only available online via the designated American Airlines Vacations discount program website accessible through aavacations.com/citi. Accessing aavacations.com via any other source will not provide this discount. Our professional reservations representatives are available by phone but the discount only applies to online bookings made via the designated American Airlines Vacations discount program website. Any changes to a booking made by our reservations representatives will result in the loss of the discount. Cancellations are subject to all applicable penalties. All sales are subject to American Airlines Vacations normal cancellation and refund policies, which vary by destination. Once you have selected your destination and itinerary, you should review these policies by reading the Terms and Conditions, available on the payment page, before purchasing your travel arrangements.

No Mileage Cap

There is no maximum number of American Airlines AAdvantage^® miles that you can accumulate through your Citi^® / AAdvantage^® credit card account.

Mileage Expiration

For primary AAdvantage^® credit cardholders, AAdvantage^® miles do not expire as long as the card account is open. For details, click here.

1 Loyalty Point per eligible AAdvantage^® mile

³Citi^® / AAdvantage^® Executive Card Pricing and Other Information

*Pricing

For the Citi^® / AAdvantage^® Executive card: The standard variable APR for purchases is % - %, based on your creditworthiness, and applies to balance transfers and Citi Flex Plan. The standard variable APR for cash advances is %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. The annual fee is . Minimum interest charge is $. Fee for Foreign Purchases — None. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater.

For the Citi^® / AAdvantage^® Executive card: The variable APR for purchases is % — %, based on your creditworthiness. Balance transfers where Citi pays the creditor directly and Citi Flex Plan are also subject to the variable APR of % — %, based on your creditworthiness. For all other balance transfers, including those for which we send you a check or where we make a direct deposit into your bank account, a variable APR of % to %, based on your creditworthiness, applies. The variable APR for cash advances is %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. The annual fee is . Minimum interest charge is $. Fee for Foreign Purchases — None. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater.

For the Citi^® / AAdvantage^® Executive card: The variable APR for purchases is % — %, based on your creditworthiness. Balance transfers where Citi pays the creditor directly are also subject to the variable APR of % — %, based on your creditworthiness. For all other balance transfers, including those for which we send you a check or where we make a direct deposit into your bank account, a variable APR of % to %, based on your creditworthiness, applies. For Citi Flex Plans subject to an APR, the variable APR is % — %, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. The annual fee is . Minimum interest charge is $. Fee for Foreign Purchases — None. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater.

Variable APR for purchases, balance transfers, and Citi Flex Plans subject to an APR: % — % based on creditworthiness. Citi Flex Pay subject to Plan Fee: monthly fee up to % applies, based on Plan duration, APR that would otherwise apply to Transaction, & other factors. Cash advance variable APR %. Variable Penalty APR up to 29.99%. Annual fee: . Annual fee for Authorized Users: $ for up to Authorized Users and $ for each Authorized User thereafter. Minimum interest charge $. Fee for Foreign Purchases – None. Cash advance fee: % of each advance ($ minimum). Balance transfer fee: % of each transfer ($ minimum). New card members only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.

**Offer Availability

American Airlines AAdvantage^® bonus miles are not available if you have received a new account bonus for a Citi^® / AAdvantage^® Executive account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi^® / AAdvantage^® Executive account. The card offer referenced in this communication is only available to individuals who reside in the United States and its territories, excluding Puerto Rico and U.S. Virgin Islands.

AAdvantage^® Bonus Miles

1 AAdvantage^® Mile Per $1

AAdvantage^® miles are earned on purchases, except balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler's checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions). AAdvantage^® miles may be earned on purchases made by primary credit cardmembers and Authorized Users. AAdvantage^® miles earned will be posted to the primary credit cardmember's AAdvantage^® account in 8 to 10 weeks.

4X AAdvantage^® Miles on American Airlines Purchases

Earn 1 AAdvantage^® base mile and 3 AAdvantage^® bonus miles, for a total of 4 AAdvantage^® miles, for each $1 spent on eligible American Airlines purchases using your Citi^® / AAdvantage^® Executive World Elite Mastercard. Upon reaching $150,000 in spend on your Citi^® / AAdvantage^® Executive World Elite Mastercard in a calendar year, earn 1 AAdvantage^® base mile and 4 AAdvantage^® bonus miles, for a total of 5 AAdvantage^® miles, for every $1 spent on eligible American Airlines purchases for the remainder of that calendar year. Purchases must post to your account by December 31st each calendar year to be eligible to earn a total of 5 AAdvantage^® miles for every $1 spent. The Primary credit cardmember and any Authorized Users on the credit card are eligible for this benefit.

Eligible American Airlines purchases are items billed by American Airlines as the merchant of record. Products or services that do not qualify are car rentals and hotel reservations, purchase of AAdvantage^® status boost or renewal, and AA Cargo^™ products and services. AAdvantage^® miles earned will be posted to the primary credit cardmember’s AAdvantage^® account in 8-10 weeks.

10X AAdvantage^® Miles on Hotels booked through aadvantagehotels.com

Earn 1 AAdvantage^® base mile and 9 AAdvantage^® bonus miles , for a total of 10 AAdvantage^® miles, for each $1 spent on hotel purchases using your Citi^® / AAdvantage^® Executive World Elite Mastercard, when an eligible booking is made on aadvantagehotels.com. For bookings made with a combination of AAdvantage^® miles and your Citi^® / AAdvantage^® Executive World Elite Mastercard, only the portion paid with your card will earn AAdvantage^® miles. Hotels booked through American Airlines Vacations and hotels booked under “Reserve Now, Pay Later” payment feature are not eligible to earn AAdvantage^® bonus miles. The Primary credit cardmember and any Authorized Users on the credit card are eligible for this benefit.

AAdvantage^® miles will apply to net purchases (purchases minus any credits or returns) only. Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. All purchases made outside of American Airlines channels such as hotel incidentals, upgrades, or other expenses, will not qualify. Eligible purchases do not include interest charges, cancellation fees, property fees or other similar fees, or any other hotel charges. AAdvantage^® miles earned will be posted to the Primary credit cardmember’s AAdvantage^® account in 8–10 weeks.

10X AAdvantage^® Miles on Car Rentals booked through aadvantagecars.com

Earn 1 AAdvantage^® base mile and 9 AAdvantage^® bonus miles, for a total of 10 AAdvantage^® miles, for each $1 spent on eligible car rental purchases using your Citi^® / AAdvantage^® Executive World Elite Mastercard, when an eligible booking is made on aadvantagecars.com and paid for using your Citi^® / AAdvantage^® Executive World Elite Mastercard. Beginning January 1, 2025, Eligible car rental bookings are car rental bookings with the United States, Mexico, and Canada as the point of sale (i.e. car rental bookings made in the United States, Canada and Mexico) for any location.

For bookings made with a combination of AAdvantage^® miles and your Citi^® / AAdvantage^® Executive World Elite Mastercard, only the portion paid with your card will earn AAdvantage^® miles. Payless car rentals will not qualify. Car rentals booked through American Airlines Vacations will not qualify. AAdvantage^® number must be included at time of booking or given to the agent at the counter to earn AAdvantage^® bonus miles. The Primary credit cardmember and any Authorized Users on the credit card are eligible for this benefit.

AAdvantage^® miles will apply to net purchases (purchases minus any credits or returns) only. Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. All purchases made outside of American Airlines channels such as upgrades, or other expenses, will not qualify. Eligible purchases do not include interest charges, cancellation fees, or other similar fees, or any other hotel or vehicles charges. Miles earned will be posted to the Primary credit cardmember’s AAdvantage^® account in 8–10 weeks.

Merchant Classification for Rewards Categories

Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. Citi does not control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, Citi is provided an MCC for that purchase. Citi groups similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category but, if the code assigned to the merchant wasn’t grouped into that category as recognized by Citi, your purchase will not qualify for additional AAdvantage^® miles. Please also note that purchases made through mobile/wireless technology may not earn additional AAdvantage^® miles depending on how the technology is set up to process the purchase.

Citi reserves the right to determine which purchases qualify for this offer. AAdvantage^® miles may be earned on purchases made by Primary credit cardmembers and Authorized Users. Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) are not purchases and do not earn miles. AAdvantage^® miles earned will be posted to the Primary credit cardmember’s AAdvantage^® account in 8–10 weeks.

First Checked Bag Free

Eligible Citi^® / AAdvantage^® primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines, or on domestic itineraries marketed by American Airlines and operated as American Eagle^® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines LLC, PSA Airlines, Inc., or Piedmont Airlines, Inc.. All flights on the itinerary must be domestic flights marketed by American Airlines and operated by American Airlines or American Eagle. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. For the Citi^® / AAdvantage^® card, up to eight companions traveling with the eligible primary credit cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Waiver does not apply to overweight or oversized bags. This benefit cannot be combined with any existing AAdvantage^® program benefits, or with First or Business class benefits, including any waiver of baggage charges. Please see: aa.com/baggage for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

Travel Protection Benefits

Certain terms, limitations, and exclusions apply. These benefits are included as a part of the Citi^® / AAdvantage^® Executive Card and are underwritten by Virginia Surety Company, Inc. Should you apply and be approved for the Citi^® / AAdvantage^® Executive Card, more information will be provided in the Guide to Protection Benefits you receive with your card.

Enhanced Airport Experience

For benefits to apply, the Citi^® / AAdvantage^® Executive World Elite Mastercard account must be open 7 days prior to air travel AND reservation must include the primary credit cardmember's American Airlines AAdvantage^® number 7 days prior to air travel. If your credit card account is closed for any reason, these benefits will be cancelled. Citi^® / AAdvantage^® Executive credit cardmembers will have the following benefits: priority check-in (where available), priority airport screening (where available), and priority boarding privileges. The priority boarding benefit will display on your American Airlines boarding pass as Group 4.

These benefits apply when traveling on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle^® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines LLC, PSA Airlines, Inc., or Piedmont Airlines, Inc. Up to eight companions traveling with the eligible primary credit cardmember will also get priority check-in (where available), priority airport screening (where available), and priority boarding privileges if they are listed in the same reservation. You may check in at any Business Class check-in position or First Class check-in when Business Class is not available, regardless of the class of service in which you are traveling on American Airlines.

These benefits will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. Exclusive lanes at security checkpoints are available, subject to TSA approval. Applicable terms and conditions are subject to change without notice.

Admirals Club^® Membership and Authorized User Access

Only Citi^® / AAdvantage^® Executive World Elite Mastercard primary credit cardmembers who are eighteen years of age or older will receive full membership access privileges to Admirals Club^® lounges. An Authorized User of the Citi^® / AAdvantage^® Executive World Elite Mastercard who is eighteen years of age or older will receive access privileges to American Airlines Admirals Club^® lounges. Full Admirals Club^® membership privileges do not apply to a credit card Authorized User. An Admirals Club^® membership includes access to other airline lounges and clubs with which American Airlines may have reciprocal lounge or club access privileges. Membership also includes special pricing on conference rooms and other special offers that are available exclusively to Admirals Club^® members. Neither membership nor the credit card Authorized User access benefit provides access privileges to the Arrivals Lounge, International First Class Lounges, or Flagship^® Lounge facilities, including Flagship^® First Dining. Additionally, the credit card Authorized User access benefit does not provide: roman number one access privileges to other airline lounges or clubs with which American Airlines may have reciprocal lounge or club access privileges; or roman number two special pricing on conference rooms or other special offers. To locate a current list of Admirals Club^® lounges please visit aa.com/admiralsclub.

To access an Admirals Club^® lounge, primary credit cardmembers and credit card Authorized Users must present: roman number one their (a) active and valid Citi^® / AAdvantage^® Executive World Elite Mastercard or (b) with respect to primary credit cardmembers only, AAdvantage^® number; roman number two their current government-issued I.D.; and roman number three a boarding pass for same-day travel on an eligible flight, which includes any departing or arriving flight that is (1) marketed or operated by American Airlines, (2) marketed and operated by any oneworld^® carrier, or (3) marketed and operated by Alaska Airlines; and roman number four any additional documentation required by American Airlines. Either immediate family members (spouse or domestic partner and children under eighteen years of age) or up to two guests traveling with the primary credit cardmember or Authorized User may be admitted for free when accompanied by the primary credit cardmember or Authorized User. Family members and guests must present a same-day boarding pass for an eligible flight as defined above. All persons must be of valid drinking age, based on applicable law, to consume alcohol.

If the primary credit cardmember is an Admirals Club^® member on the date his or her Citi^® / AAdvantage^® Executive World Elite Mastercard credit card account is approved by Citi^® and has sixty or more days remaining on such current Admirals Club^® membership, he or she is eligible to receive a prorated refund from American Airlines for any unused portion of his or her current Admirals Club^® membership fee. The refund will be a prorated amount of the annual membership fee calculated based on the number of days remaining on such primary credit cardmember's current Admirals Club^® membership as of the date his or her Citi^® / AAdvantage^® Executive World Elite Mastercard credit card account is approved by Citi^®. Refunds will be automatically made in the original form of payment within twelve weeks of becoming a Citi^® / AAdvantage^® Executive World Elite Mastercard credit cardmember. Memberships redeemed with Business Extra AAdvantage Business™ points, and Lifetime Admirals Club^® members and AirPass members with Admirals Club^® privileges are not eligible for a refund.

Upon closure of the Citi^® / AAdvantage^® Executive World Elite Mastercard account, all Admirals Club^® benefits and access associated with the account will be immediately terminated, including, but not limited to, all benefits afforded to credit card Authorized Users. All Admirals Club^® membership rules, terms and conditions apply. AMERICAN AIRLINES RESERVES THE RIGHT TO MODIFY ANY OR ALL RULES, TERMS AND CONDITIONS AT ANY TIME WITHOUT NOTICE. SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY AND INCORPORATED INTO THIS AGREEMENT. BY ACCESSING ANY ADMIRALS CLUB^® LOUNGE YOU SHALL BE DEEMED TO HAVE ACCEPTED THE ADMIRALS CLUB^® TERMS AND CONDITIONS. To review the complete Admirals Club^® membership terms and conditions, visit aa.com/admiralsclub.

Global Entry or TSA PreCheck^® Application Fee Credit

Citi^® / AAdvantage^® Executive World Elite Mastercard credit cardmembers are eligible to receive one statement credit of up to $120 per account every four years for either the Global Entry or the TSA PreCheck^® program application fee. Credit cardmembers must charge the application fee to their Citi^® / AAdvantage^® Executive credit card to qualify for the statement credit. Credit cardmembers will receive a statement credit for the first program (either Global Entry or TSA PreCheck^®) to which they apply and pay for with their eligible card, regardless of whether they are approved for Global Entry or TSA PreCheck^®. Please allow 1-2 billing cycles after the qualifying Global Entry or TSA PreCheck^® fee is charged to the eligible account for the statement credit to be posted to the account. Only fees associated with either the Global Entry or the TSA PreCheck^® application fee will be eligible towards the statement credit.

For information on Global Entry, visit globalentry.gov. For information on TSA PreCheck^®, visit tsa.gov. Applications are made directly with these organizations, and this information is not shared with Citi, nor does Citi have access to Global Entry or TSA records. Citi does not share account information with Global Entry or TSA. Decisions to approve/deny applications are made solely by these organizations, and Citi has no influence over these decisions. Citi is not notified of approvals or denials of applications.

TSA PreCheck^® is a registered trademark of the Department of Homeland Security.

25% Savings on Eligible Inflight Purchases

No Mileage Cap

There is no maximum number of American Airlines AAdvantage^® miles that you can accumulate through your Citi^® / AAdvantage^® credit card account.

American Airlines Vacations Leisure Discount Program

Mileage Expiration

For primary AAdvantage^® credit cardholders, AAdvantage^® miles do not expire as long as the card account is open. For details, click here.

1 Loyalty Point per eligible AAdvantage^® mile

Up to 20,000 Additional Loyalty Points

The Primary credit cardmember will earn 10,000 additional Loyalty Points after earning 50,000 Loyalty Points each qualifying year. If in that same qualifying year, the Primary credit cardmember earns 90,000 Loyalty Points, the Primary credit cardmember will be awarded an additional 10,000 Loyalty Points. Total additional Loyalty Points that can be earned through this benefit is 20,000 in one qualifying year.

A Primary credit cardmember may earn up to 20,000 additional Loyalty Points only once each qualifying year, even if the credit cardmember has more than one Citi^® / AAdvantage^® Executive World Elite Mastercard account. Up to 20,000 additional Loyalty Points earned are in addition to any Loyalty Points earned for purchases made on the credit card. Purchases exclude returned goods or services, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions). Purchases made through additional credit cards on the Primary credit cardmember’s account (Authorized Users) will count toward the Primary credit cardmember’s qualifying spend.

Additional Loyalty Points earned as a result of this benefit will typically be posted to the Primary credit cardmember’s AAdvantage^® account 8-10 weeks after meeting either the Loyalty Points or spend requirements. Loyalty Points only count toward status qualification for the AAdvantage^® program. Loyalty Points earned through this benefit will not count toward AAdvantage^® Million Miler™ status. Loyalty Points cannot be redeemed for award travel, AAdvantage^® miles or any other AAdvantage^® program awards. AAdvantage^® program status requirements and balance are available at aa.com/newaadvantage.

Up to $120 in Lyft Credits

Citi^® / AAdvantage^® Executive World Elite Mastercard credit cardmembers may participate in Lyft and Mastercard's Take 3 Get $10 program ("Program"), by using their Citi^® / AAdvantage^® Executive World Elite Mastercard to pay for the full amount or partial amount of three (3) Eligible Rides in a calendar month. After taking 3 Eligible Rides in a calendar month, you will then receive a $10 Lyft credit ("Credit"). Citi^® / AAdvantage^® Executive World Elite Mastercard credit cardmembers are eligible to receive credits of up to $120 annually. All rides must be paid for with an eligible Citi^® / AAdvantage^® Executive World Elite Mastercard. Limit one Credit per calendar month per Lyft account. Citi^® / AAdvantage^® Executive World Elite Mastercard credit cardmembers are not eligible for any other Mastercard credit on the Lyft app. Rides paid for using Digital Wallets including, but not limited to, Apple Pay, Android Pay, etc., are not Eligible Rides and will not count towards receiving the $10 Lyft credit.

An “Eligible Ride” is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft’s sole discretion. Credits expire 30 days after application. By participating in the Program, you agree to these terms and Lyft’s Terms of Service (https://www.lyft.com/terms), and you agree that Lyft and Mastercard may share your information for the purpose of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to 2 days to be applied to your Lyft account.

Up to $120 Grubhub Statement Credit

Citi^® / AAdvantage^® Executive World Elite Mastercard credit cardmembers are eligible to receive a statement credit of up to $10 per monthly billing statement (for a total of up to $120 every 12 monthly billing statements) on eligible purchases made at Grubhub. There is no minimum purchase requirement to earn the statement credit(s). Eligible purchases include transactions, tips, taxes, and fees charged directly on grubhub.com, seamless.com and the Grubhub and Seamless mobile applications. Orders placed using the campus dining feature on Grubhub and gift card purchases are not eligible. Duplicate, fraudulent, canceled, refunded purchases and purchases made in violation of either Merchant or Citi terms of use, as determined by Merchant or Citi, as applicable, are not eligible.

Statement credit(s) will appear on your Citi^® / AAdvantage^® Executive World Elite Mastercard monthly billing statement within 8-10 weeks from when the transaction was posted on your card account. One credit per monthly billing statement per card account. Applicable terms and conditions are subject to change without notice. To be eligible for this benefit, your Citi^® / AAdvantage^® Executive World Elite Mastercard card must be open and in good standing at the time of statement credit fulfillment.

Merchant Classification Codes

Up to $120 Avis^® or Budget Prepaid Car Rental Statement Credit

Citi^® / AAdvantage^® Executive World Elite Mastercard credit cardmembers are eligible to receive a statement credit of up to $120 every calendar year on Eligible Rentals with Avis^® or Budget. Eligible Rentals means a prepaid booking that is made directly with Avis^® or Budget via www.Avis.com or www.Budget.com. For clarity, pay later bookings or any bookings that are made through travel agencies, discount travel sites, vacation clubs, tour operators, or as part of a package offered by merchants, such as cruise lines and railways, will not qualify. The purpose of the car rental must be for driver and passenger transportation. Merchants that provide RV rentals or vehicle rentals for the purpose of hauling are not included in this category. Duplicate, fraudulent, canceled, refunded purchases and purchases made in violation of either Merchant or Citi terms of use, as determined by Merchant or Citi, as applicable, are not eligible.

The credit will be awarded on car rental spend that is inclusive of time and mileage, taxes, purchases, and other fees.

Statement credit(s) will appear on your Citi^® / AAdvantage^® Executive World Elite Mastercard monthly billing statement from Citi within 8-10 weeks from when the transaction was posted on your card account. One credit per card account. Applicable terms and conditions are subject to change without notice. To be eligible for this benefit, your Citi^® / AAdvantage^® Executive World Elite Mastercard card must be open and in good standing at the time of statement credit fulfillment.

Merchant Classification Codes

⁴Citi^® / AAdvantage Business^™ Card Pricing and Other Information

*Pricing

Citi^® / AAdvantage Business^™ Card: The standard variable APR for purchases is % - %, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is % - %, based on creditworthiness. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The standard variable APR for cash advances is %. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. The annual fee for this card is . However, this fee is waived for the first 12 months. Minimum interest charge — $. Fee for Foreign Purchases — None. Cash advance fee — either $ or % of the amount of each cash advance, whichever is greater.

**Offer Availability

American Airlines AAdvantage^® bonus miles are not available if you have received a new account bonus for a CitiBusiness^® / AAdvantage^® Platinum Select^® or Citi^® / AAdvantage Business^™ Mastercard^® account in the past 48 months. The card offer referenced in this communication is only available to individuals who reside in the United States and its territories, excluding Puerto Rico and U.S. Virgin Islands.

AAdvantage Business^™ Membership

You must be enrolled in the American Airlines AAdvantage Business^™ program, which is managed by American Airlines. American Airlines may, in its sole discretion, change the AAdvantage Business^™ program rules, regulations, travel awards and special offers at any time. For complete details about the AAdvantage Business^™ program, visit aa.com/aadvantagebusiness.

If you are not an AAdvantage Business^™ member, you consent to enrollment in the AAdvantage Business^™ program, which is governed by the AAdvantage Business^™ terms and conditions available at aa.com/aadvantagebusiness, on behalf of yourself and the business.

Primary Cardmember

The primary cardmember must have or open an AAdvantage^® account in their own name. AAdvantage^® miles earned on the primary cardmember’s credit card will be allocated to the AAdvantage Business^™ account. Loyalty Points earned by the primary cardmember will be posted to the AAdvantage^® account of the primary cardmember. Loyalty Points and AAdvantage^® miles earned by primary cardmember on any other Citi^® / AAdvantage^® credit cards where they are the primary cardmember will post to their individual AAdvantage^® account.

Authorized User

An Authorized User is an employee or contractor of the Business added to the Card Account with a Card provided with that person’s name. Authorized Users must have or open an AAdvantage^® account in their own name. Authorized Users must accept the AAdvantage Business^™ terms & conditions to earn Loyalty Points. By making a qualifying purchase with their card, Authorized Users accept the AAdvantage Business^™ terms and conditions. AAdvantage^® miles earned on an Authorized User’s credit card will be allocated to the AAdvantage Business^™ account. Loyalty Points earned by Authorized Users will be posted to the AAdvantage^® account of the Authorized User. You must pay us for all charges made or allowed by Authorized Users. Authorized Users are able to get account information. Authorized Users must be employees or contractors of your business. The primary cardmember needs the Authorized User's permission to give us any information about them that we request and to allow us to share information about them as allowed by applicable law. This includes information we may get from you, any Authorized User and others. It also includes information about their transactions on the account. Loyalty Points and AAdvantage^® miles earned by Authorized Users on any other Citi^® / AAdvantage^® credit cards where they are the primary cardmember will post to their individual AAdvantage^® account.

AAdvantage^® Bonus Miles

Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler's checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) are not purchases. American Airlines AAdvantage^® bonus miles typically will appear as a bonus in your AAdvantage Business^™ account 8 to 10 weeks after you have met the purchase requirements. AAdvantage^® miles may be earned on purchases made by primary credit cardmember and Authorized Users. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. The Business for whom a Citi^® / AAdvantage Business^™ Mastercard^® account was opened must have an AAdvantage Business^™ account. AAdvantage^® miles earned will be posted to the AAdvantage Business^™ account.

1 AAdvantage^® Mile Per $1

AAdvantage^® miles are earned on purchases, except balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler's checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions). AAdvantage^® miles may be earned on purchases made by the primary credit cardmember and Authorized Users. AAdvantage^® miles earned will be posted to the AAdvantage Business^™ account in 8 to 10 weeks.

Double AAdvantage^® Miles on American Airlines Purchases

Double AAdvantage^® Miles on Purchases in Select Business Categories

Earn 2 AAdvantage^® miles per $1 spent on purchases at certain telecommunications merchants, car rental merchants, cable and satellite providers, and at gas stations. Telecommunications merchants are classified as merchants that sell telecommunications equipment such as telephones, fax machines, pagers, and cellular phones, along with providers of telecommunications services including local and long-distance telephone calls and fax services. Car rental merchants are classified as providers of short-term or long-term rentals of cars, trucks, or vans. Cable and satellite providers are classified as merchants that provide the connection and ongoing delivery of television, internet (computer network, information services, email website hosting services) telephone and radio programming via cable or satellite on a subscription or fee basis. Gas stations are classified as merchants that sell fuel primarily for consumer use and may or may not be attended.

Certain Non-Qualifying Purchases

Car rental purchases not eligible to receive double AAdvantage^® miles include purchases at merchants that rent motor homes or other recreational vehicles and purchases made through travel agencies, tour operators, and online third party travel sites and charges paid on car rental redemptions through Rocketmiles. Gas station purchases not eligible to receive double AAdvantage^® miles include, but are not limited to, purchases made at warehouse clubs that do not code gas station purchases under a gas station code, discount stores, department stores, and convenience stores.

Merchant Classification for Rewards Categories

Merchants are assigned a merchant category code (“M C C”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. Citi does not control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, Citi is provided an M C C for that purchase. Citi groups similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category as recognized by Citi, your purchase will not qualify for additional AAdvantage^® miles. [For example, you won’t earn additional AAdvantage^® miles for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code.] Please also note — purchases made through mobile/wireless technology may not earn additional AAdvantage^® miles depending on how the technology is set up to process the purchase.

Citi reserves the right to determine which purchases qualify for this offer. AAdvantage^® miles may be earned on purchases made by primary credit cardmembers and Authorized Users. Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) account do not earn AAdvantage^® miles. AAdvantage^® miles earned will be posted to the AAdvantage Business^™ account in 8 to 10 weeks.

Preferred Boarding

For benefit to apply, the Citi^® / AAdvantage^® account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember’s American Airlines AAdvantage^® number 7 days prior to air travel. If you are checking in online for your flight to be eligible for preferred boarding on this trip, you must be a party to this reservation and apply and be approved for a Citi^® / AAdvantage^® credit card through the link on the checking bags page aa.com or mobile app during check-in. To access this link, you must have an active domestic flight reservation that departs within 24-hours or be eligible for check-in.

If your credit card account is closed for any reason, this benefit will be cancelled. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. Up to four companions traveling with and listed in the same reservation as the Citi^® / AAdvantage^® primary credit cardmember are eligible to board at the same time as the primary credit cardmember. Applicable terms and conditions are subject to change without notice. Eligible credit cardmembers will board after Priority boarding is complete, but before the rest of economy boarding. The boarding benefit will display on your American Airlines boarding pass as Group 5. This benefit applies on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle^® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines LLC, PSA Airlines, Inc., or Piedmont Airlines, Inc.

First Checked Bag Free

25% Savings on Inflight WI-FI Purchases

Receive a 25% savings when you use your Citi^® / AAdvantage Business^™ Mastercard^® credit card for the purchase of inflight Wi-Fi service from American Airline's Wi-Fi merchants Gogo, Viasat, or Panasonic, and on American Airlines' Wi-Fi Subscription Plan. This benefit applies to flights marketed and operated by American Airlines or on flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines LLC, PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Savings will appear as a statement credit 8 to 10 weeks after the transaction is posted to the credit cardmember's card account. Applicable terms and conditions are subject to change without notice.

25% Savings on Eligible Inflight Purchases

Citi^® / AAdvantage Business^™ Mastercard^® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their Citi^® / AAdvantage Business^™ Mastercard^® card. Savings do not apply to any other inflight purchases. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines LLC, PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8 to 10 weeks after the transaction is posted to the credit cardmember's card account. Applicable terms and conditions are subject to change without notice.

American Airlines Companion Certificate

The primary credit cardmember will earn a $99 domestic economy fare American Airlines Companion Certificate after you spend $30,000 or more in purchases that post to your Citi^® / AAdvantage Business^™ Mastercard^® credit card billing statement during your credit cardmembership year (every 12 months from the billing cycle after your anniversary month through the billing cycle of your next anniversary month). With the exception of special account status or circumstances (e.g. Military relief programs) the anniversary month will coincide with the month in which the annual fee is billed. To receive the Companion Certificate, your account must be open for one full billing cycle after your anniversary month. For your first year of credit cardmembership, purchases qualify as of the date of your account opening. After these conditions are met, please allow at least 8 to 10 weeks for availability of the Companion Certificate. You must have an open AAdvantage^® account for the Companion Certificate to be awarded to your account and to redeem the certificate. When used according to its terms, the primary credit cardmember will pay a $99 companion ticket fee plus any applicable government taxes and fees billed by American Airlines, depending on itinerary, for one round trip qualifying domestic economy fare ticket for a companion when an individual round trip qualifying domestic Main Cabin fare ticket is purchased and redeemed through American Airlines Meeting Services. Travel must be booked and purchased in select Main Cabin inventory. The certificate must be redeemed and all travel completed by midnight CST of the Travel Expiration Date shown on the certificate. Valid for travel on flights within the 48 contiguous United States on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle^® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Air Wisconsin Airlines LLC, PSA Airlines, Inc., or Piedmont Airlines, Inc. For residents of Alaska and Hawaii, the companion certificate is also valid for round-trip travel originating in either of those two states and continuing to the 48 contiguous United States. For residents of the U.S. Virgin Islands and Puerto Rico, companion certificate eligible travel is also defined as round-trip travel originating in either of those two territories and continuing to the 48 contiguous United States. The Companion Certificate is not redeemable for air travel on any oneworld^® carrier or on an American Airlines codeshare flight. Applicable terms and conditions are subject to change without notice. Details, terms and conditions, certain restrictions, and restricted dates apply and will be disclosed on the certificate.

American Airlines Vacations Leisure Discount Program

No Mileage Cap

There is no maximum number of American Airlines AAdvantage^® miles that you can accumulate through your Citi^® / AAdvantage Business^™ Mastercard^® credit card account.

Mileage Expiration

AAdvantage Business^™ miles do not expire as long as the card account is open. For details, click here.

Mastercard ID Theft Protection

Services are provided for by Mastercard through Generali Global Assistance Inc. ("G G A"), a third party service provider. To activate the ID Theft Protection benefit, offered by Mastercard, you must go to G G A's site to sign up with your Citibank Mastercard card number. Your eligibility will be verified by your card number at the time of enrollment. For more information about the ID Theft Protection benefit, click below to be directed to the ID Theft protection site or call 1.866.987.1007 (Speech/hearing impaired: 711 or other Relay Service). Citi is providing this link as a convenience to you, is not responsible for products and services offered on this website, and makes no guarantees or warranties regarding the website content, privacy policies, or security. G G A may have a privacy policy and security practices that differ from Citi standards. We recommend that you read the terms of service, terms & conditions, and the privacy policy of the linked site at https://mastercardidps.idprotectiononline.com. Certain terms, conditions, and exclusions apply.

1 Loyalty Point per $1

Loyalty Points may be earned by the primary credit cardmember and Authorized Users on purchases. 1 Loyalty Point accrues for every $1 on purchases, excluding balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions). Loyalty Points earned by the primary credit cardmember will be posted to the primary credit cardmember’s AAdvantage^® account and Loyalty Points earned by an Authorized User will be posted to the Authorized User’s AAdvantage^® account. Loyalty Points earned will be posted to the applicable AAdvantage^® account in 8 to 10 weeks. Loyalty Points earned by primary cardmember and Authorized Users on any other Citi^® / AAdvantage^® credit cards where they are the primary cardmember will post to their individual AAdvantage^® account.

If Citi sees evidence of fraud, misuse, abuse, or suspicious activity, as determined by Citi in its sole discretion, Citi reserves the right to take action against you and your credit card account. This may include, without limitation and without prior notice, declining your credit card account application, stopping you from earning American Airlines AAdvantage^® miles for purchases made with your card, suspending or closing your Citi^® / AAdvantage Business^™ Mastercard^® card account, and advising American Airlines of such activity. Citi may also take legal action against you to recover monetary losses, including litigation costs and damages. Examples of activities that may trigger such actions include, but are not limited to, the following: (1) application for a card account in an attempt to take advantage of a bonus offer that was not intended for you or for which you are not eligible per the terms of the offer; (2) repeated cancellation or conversion of your Citi card accounts within one year after account opening or conversion; (3) returns of purchases you made to satisfy all or a substantial portion of the purchase requirements for a bonus offer or excessive returns of purchases for which you have earned AAdvantage^® miles or (4) using the account other than for business purposes.

The Card Account is only available if the Business has an open and current AAdvantage Business^™ membership in its name. The primary cardmember and each Authorized User must also have an open AAdvantage^® program membership in their name. Citi reserves the right to cancel your Card Account if you or American Airlines terminates or deactivates your AAdvantage Business^™ membership. Citi reserves the right to cancel the primary cardmember Card Account if you or American Airlines terminates or deactivates your AAdvantage^® program membership. If an Authorized User or American Airlines terminates or deactivates the Authorized User’s AAdvantage^® program membership, Citi may cancel the Authorized User’s credit card.

For complete details about the AAdvantage^® program, visit aa.com/aadvantage .

For complete details about the AAdvantage Business^™ program, visit aa.com/aadvantagebusiness

AMERICAN AIRLINES AADVANTAGE® MILEUP® CARD

Earn American Airlines AAdvantage® bonus miles after $ in purchases within the first months of account opening.**

CITI® / AADVANTAGE® PLATINUM SELECT® WORLD ELITE MASTERCARD®

Earn American Airlines AAdvantage® bonus miles after spending $ in purchases within the first months of account opening.**

CITI® / AADVANTAGE® EXECUTIVE WORLD ELITE MASTERCARD®

Earn American Airlines AAdvantage® bonus miles after $ in purchases within the first months of account opening.**

CITI® / AADVANTAGE BUSINESS™ WORLD ELITE MASTERCARD®

For a limited time, earn American Airlines AAdvantage® bonus miles after $ in purchases within the first months of account opening.**

Security Benefits

Mastercard ID Theft Protection

Citi® Quick Lock

$0 Liability on Unauthorized Charges

Fraud Early Warning

Account Alerts

FICO® Score

Card Features

Billing Dispute Resolution

Citi Entertainment®

Digital Wallets

Citi Mobile App

Paperless Statements and E-Communications

Contactless Pay

1American Airlines AAdvantage® MileUp® Card Pricing and Other Information

*Pricing

**Offer Availability

AAdvantage® Bonus Miles

1 AAdvantage® mile

2X AAdvantage® Miles on American Airlines Purchases

2X AAdvantage® Miles on Grocery Store Purchases

Certain Non-Qualifying Purchases

Merchant Classification for Rewards Categories

25% Savings on Eligible Inflight Purchases

American Airlines Vacations Leisure Discount Program

No Mileage Cap

Mileage Expiration

1 Loyalty Point per eligible AAdvantage® mile

2Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Pricing and Other Information

*Pricing

**Offer Availability

AAdvantage® Bonus Miles

1 AAdvantage® mile Per $1

2X AAdvantage® Miles on American Airlines Purchases

2X AAdvantage® Miles at Restaurants and Gas Stations

Certain Non-Qualifying Purchases

Merchant Classification for Rewards Categories

Preferred Boarding

First Checked Bag Free

25% Savings on Eligible Inflight Purchases

$125 American Airlines Flight Discount

American Airlines Vacations Leisure Discount Program

No Mileage Cap

Mileage Expiration

1 Loyalty Point per eligible AAdvantage® mile

3Citi® / AAdvantage® Executive Card Pricing and Other Information

*Pricing

**Offer Availability

AAdvantage® Bonus Miles

1 AAdvantage® Mile Per $1

4X AAdvantage® Miles on American Airlines Purchases

10X AAdvantage® Miles on Hotels booked through aadvantagehotels.com

10X AAdvantage® Miles on Car Rentals booked through aadvantagecars.com

Merchant Classification for Rewards Categories

First Checked Bag Free

Travel Protection Benefits

Enhanced Airport Experience

Admirals Club® Membership and Authorized User Access

Global Entry or TSA PreCheck® Application Fee Credit

25% Savings on Eligible Inflight Purchases

No Mileage Cap

American Airlines Vacations Leisure Discount Program

Mileage Expiration

1 Loyalty Point per eligible AAdvantage® mile

Up to 20,000 Additional Loyalty Points

Up to $120 in Lyft Credits

Up to $120 Grubhub Statement Credit

Merchant Classification Codes

Up to $120 Avis® or Budget Prepaid Car Rental Statement Credit

Merchant Classification Codes

4Citi® / AAdvantage Business™ Card Pricing and Other Information

*Pricing

Earn American Airlines AAdvantage^® bonus miles after $ in purchases within the first months of account opening.**

CITI^® / AADVANTAGE^® PLATINUM SELECT^® WORLD ELITE MASTERCARD^®

Earn American Airlines AAdvantage^® bonus miles after spending $ in purchases within the first months of account opening.**

CITI^® / AADVANTAGE^® EXECUTIVE WORLD ELITE MASTERCARD^®

Earn American Airlines AAdvantage^® bonus miles after $ in purchases within the first months of account opening.**

CITI^® / AADVANTAGE BUSINESS^™ WORLD ELITE MASTERCARD^®

For a limited time, earn American Airlines AAdvantage^® bonus miles after $ in purchases within the first months of account opening.**

Citi^® Quick Lock

FICO^® Score

Citi Entertainment^®

¹American Airlines AAdvantage^® MileUp^® Card Pricing and Other Information

AAdvantage^® Bonus Miles

1 AAdvantage^® mile

2X AAdvantage^® Miles on American Airlines Purchases

2X AAdvantage^® Miles on Grocery Store Purchases

1 Loyalty Point per eligible AAdvantage^® mile

²Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® Pricing and Other Information

AAdvantage^® Bonus Miles

2X AAdvantage^® Miles on American Airlines Purchases

2X AAdvantage^® Miles at Restaurants and Gas Stations

1 Loyalty Point per eligible AAdvantage^® mile

³Citi^® / AAdvantage^® Executive Card Pricing and Other Information

AAdvantage^® Bonus Miles

1 AAdvantage^® Mile Per $1

4X AAdvantage^® Miles on American Airlines Purchases

10X AAdvantage^® Miles on Hotels booked through aadvantagehotels.com

10X AAdvantage^® Miles on Car Rentals booked through aadvantagecars.com

Admirals Club^® Membership and Authorized User Access

Global Entry or TSA PreCheck^® Application Fee Credit

1 Loyalty Point per eligible AAdvantage^® mile

Up to $120 Avis^® or Budget Prepaid Car Rental Statement Credit

⁴Citi^® / AAdvantage Business^™ Card Pricing and Other Information

AAdvantage Business^™ Membership

AAdvantage^® Bonus Miles

1 AAdvantage^® Mile Per $1

Double AAdvantage^® Miles on American Airlines Purchases

Double AAdvantage^® Miles on Purchases in Select Business Categories

Enjoy your5% cash backoffer*for the second quarter

APRIL – MAY – JUNE 2025

Citi Travel® Site**

Grocery Stores

Citi Travel^® Site**