This post explains my thought process of why I choose this card over others. As well as, how I plan to use this card in the future.
Let’s start with the advantages.
Advantages | Citi Advantage Credit Card Review
The reason I applied for the Citi Advantage credit card was to earn the rewards. By spending just $750 inside of four months, I was able to earn 30,000 miles. More than enough for a domestic round-trip flight.
Another plus, is that the miles hit my AA Advantage account fast. A few days after reaching $750 in charges, my miles showed up my AA Advantage account.
Disadvantages | Citi Advantage Credit Card Review
The four biggest disadvantages to using the Citi Advantage Card as your # 1 travel rewards card are:
- 3% foreign transaction fee.
- American Airlines doesn’t waive bag fees for cardholders.
- Annual fee of $50 after 12 months.
- Only 1 point per dollar spent (the Starwood’s Card by American Express earns more with the bonus transfer).
Citi Advantage Credit Card Review | Conclusion
Citibank’s AA Advantage credit card is great for earning rewards fast. Especially, since you only have to spend $750 inside of four months.
Once you earn the rewards, there’s very little incentive for using the Citi Advantage Card as your primary credit card.
They’re plenty of other cards that give better rewards. For example, the American Express Starwood’s Reward Card earns over 1 point per dollar spent if you use the bonus.