The Citi AAdvantage MasterCard is one of several credit cards that are offered by Citibank and is designed for cardholders with average credit and frequently travel on American Airlines.

With the use of the rewards program, cardholders earn one mile for every two dollars that is spent on the card. In addition, 5,000 bonus miles are awarded after the first purchase with the card. The accumulated miles can be redeemed for flights on over 25 American Airlines partner airlines, car rentals, and hotel stays. A maximum of 25,000 miles can be accumulated annually except for except for Executive Platinum and Gold customers who are exempt. The points do not expire as long as the cardholder uses his account at least once every three years.

The bronze Citi AAdvantage MasterCard is different from the other AAdvantage credit cards in that it has no annual fee and doesnt offer much in the way of benefits other than the reward program. Keep in mind that though there is no annual fee, the miles awarded are about half of what other airline reward cards give. The APR is higher than most reward cards at 17.99% variable based on prime rate, and cash advances have a minimum interest rate of 19.99%. There is no balance transfer fee, but there is a cash advance fee of 3% with a $5 minimum being assessed.

Those likely to derive the most benefits from this card are those who are looking for a rewards card with no annual fee and do not plan to spend more than $50,000 a year on the card.

Some of the benefits a cardholder is likely to receive from the use of this card include the following:

Online access to account information

No liability to the cardholder for unauthorized transactions

Protection from fraud

Solutions to identity theft

Reporting of lost and stolen cards

Emergency cash and card replacement

Automatic payment of bills

Financial statement at years end if requested

Travel accident insurance

Car rental insurance