Citi AAdvantage Globe Mastercard Credit Card Review
Key Takeaways
This card fills a need for the airline as a midrange option for those who fly on American Airlines regularly, but not more than 3 or 4 times per year. It has great first year value with a high 90,000 mile welcome offer (most likely elevated since the card came out in October 2025). The annual fee is $350, so right in the middle of other American card offerings. Whether or not you keep it after the first year depends on how much you value the four Admiral’s Club passes, $99 Companion Certificate, and other various perks and credits available with the card.
Why This Card Could Be Right For You
This is a new, midrange card offered by American Airlines, and it’s good for those who fly American at least a few times per year but not more than that. It has a strong 90,000 points signup bonus after $5000 in purchases within the first 4 months (note that this signup bonus is most likely elevated since the card recently debuted - we don’t yet know what the regular bonus will be). The annual fee is $350, and the card tries to offset that fee with a number of benefits and perks:
- Four Admirals Club Globe Passes per calendar year (up to 3 children under 18 can accompany an adult on the same pass)
- $99 Companion Certificate good for a single, round-trip main cabin domestic flight (cannot be used on basic economy fares)
- First checked bag free for cardmember and up to 8 traveling companions
- Preferred boarding for cardmember and up to 8 traveling companions
- $120 credit every four years for Global Entry or TSA Precheck
- Up to $100 in statement credits on your choice of up to two of the following brands:
- 1st Dibs, eligible AA Hotels bookings, Future Personal Training, and Live Nation
- Up to $240 back on Turo ($30 in statement credits for each eligible Turo trip up to 8 times per year)
- Up to $100 back on inflight purchases
- 3x miles on eligible American Airlines purchases, 6x miles on eligible hotel stays through AAdvantage Hotel bookings, 2x miles on restaurants, and 2x miles on eligible transit purchases
- Earn 5000 Loyalty Points bonus after every 4 qualifying American Airlines flights (up to 15,000 additional Loyalty Points each status qualification year)
When The Usual Advice Doesn't Apply
Here are some exceptions where the card might not be good for you:
- You only fly American once per year, so a lower level card is better for you
- You fly American more than 4-5 times per year so the Executive World Elite works better for you
What to Know About American Airlines Miles
American Airlines is a great utility point system.
- Points are relatively easy to collect, though we don’t love the bank partners or transfer options as much.
- We love direct flights, and American can be a good option for finding those with points.
- Rewards flights start at 7500 miles each way.
- You can use AA miles to travel with eligible Oneworld partner airlines worldwide.
How The Citi AAdvantage Globe Mastercard Credit Card Fits In The American Airlines Miles Ecosystem
This card fills a necessary gap for American Airlines travelers. It’s the only midrange card available between the no-fee AAdvantage Mileup Card (which we don’t recommend), the $99 annual fee AAdvantage Platinum World Elite Mastercard, and the $595 annual fee AAdvantage Executive World Elite Mastercard.
The Platinum is best for those who fly on American, but only once or twice per year. The $99 annual fee is waived the first year, and the signup bonus is a respectable 50,000 miles. You receive a free first checked bag and priority boarding, but no lounge access. The Executive card comes with a hefty $595 annual fee and a 70,000 mile signup bonus. It also has a host of benefits for those who travel with the airline regularly throughout the year, like full Admirals Club membership for the cardmember and his or her immediate family or up to 2 guests. There are also four different $120 credits (Lyft, Grubhub, Avis or Budget, and Global Entry/TSA Precheck). You also receive a free checked bag and priority boarding.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 90,000 | $5,000 | 1.4 ¢ | $340 | $350 |
$1220
|
| Differentiating Perks | Rules |
|---|---|
| Four annual Admiral's Club passes and an annual $99 Companion Certificate | Citi 2/65 , Citi 1/8 , Citi 6/6 , Citi 5 Day Rule , 48 From Bonus , No 5/24 |
Award System
Current Offer
$5,000 spend.
Spend Categories
3X points
4.2¢ Per Dollar Spent
6X points
8.4¢ Per Dollar Spent
2X points
2.8¢ Per Dollar Spent
2X points
2.8¢ Per Dollar Spent
Card Benefits
Point Transfer Options
Transfer To Spouse/Partner Yes - $$
Transfer To Friends Yes - $$
Travel Partner Transfers
Outside Point System American Airlines Miles
Transfers In From
1:1 88% value retained
5:1 47% value retained
3:1 67% value retained
5:2 33% value retained
Citi AAdvantage Globe Mastercard Application Rules
You'll be declined if you apply for a third Citi card within 65 days
You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days
You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months
You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank).
You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months.
Card approval not subject to 5-personal-cards-in-24-months rule
