For American Airlines flyers: a free first checked bag on domestic flights and 2x miles on AA, dining and gas.
Rates, fees and offers
- Regular APR
- 19.74%–29.74% variable
- Annual fee
- $99
- Promo offers
- $0 annual fee the first year, then $99.
- Balance transfer fee
- See Citi's terms
- Rewards
- 2x AAdvantage miles on American Airlines purchases, at restaurants and at gas stations; 1x everything else. First checked bag free on domestic American flights.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Citi is now the only issuer of American Airlines cards (Barclays AAdvantage cards were converted in 2026).
Paying and contacting Citi
- Pay online
- online.citi.com
- Customer service
- 1-800-842-6596 · 24/7 (lost/stolen line)
- Lost, stolen or fraud
- 1-800-950-5114
- Pay by mail
-
CITI CARDS
P.O. Box 70166
Philadelphia, PA 19176-0166Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
- Billing disputes
- Citi Cards
P.O. Box 6500
Sioux Falls, SD 57117
See all Citi cards → · Search all cards
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