Citi Aadvantage Patinum Credit Card

The Citi AAdvantage Platinum offers a comprehensive package of benefits that goes beyond bonus miles. With perks like free baggage, priority boarding, and the opportunity to earn 2 miles per dollar on various categories, this card is ideal for maximizing your purchasing power and obtaining valuable rewards. 

Citi Aadvantage Patinum – Benefits

2 MILES PER DOLLAR: Earn 2 miles for every dollar spent on dining, gas stations, and eligible American Airlines purchases.

PURCHASE DISCOUNT: Receive a $125 discount on American Airlines purchases after spending $20,000 in a membership year.

NO FOREIGN TRANSACTION FEES: Enjoy the absence of fees on international transactions.

Citi Aadvantage Patinum – Fees and commissions

ANNUAL FEE: Enjoy a $0 annual fee for the first year, then $99 annually thereafter, maximizing your savings while benefiting from the card’s features.

INTEREST RATE: Benefit from a variable interest rate ranging between 21.24% and 29.99%, tailored to your credit score, ensuring flexibility and competitiveness in your financial transactions.

LATE FEE: In case of delayed payments, a late fee of up to $40 may apply, highlighting the importance of timely payments to avoid additional charges.

CASH ADVANCE FEE: Obtain cash advances with a fee calculated as the greater of $10 or 5% of the amount, providing access to funds when needed with transparent fee structures.


Citi Aadvantage Patinum – Card limit

The card’s credit limit varies based on the applicant’s credit analysis, potentially offering a substantial amount depending on their financial profile. 

This flexibility ensures individuals can access an appropriate credit limit tailored to their needs and repayment capabilities, enabling responsible financial management while enjoying card benefits. 

Additionally, the credit limit may be periodically reviewed and adjusted based on the cardholder’s credit behavior, providing opportunities for increased limits as their creditworthiness improves.

Positive points

    Earn 50,000 bonus miles when you meet specified spending requirements within a designated timeframe. These miles significantly boost your balance for exciting travel rewards like flights, hotel stays, and car rentals.
    Enjoy exclusive perks to enhance travel comfort and convenience, including complimentary checked baggage.
    Maximize mileage accumulation with 2 miles for every dollar spent on eligible purchases, such as dining, gas stations, and select airline purchases.

Negative points

    While the first year is fee-free, subsequent years incur a $99 annual fee. However, by leveraging the card’s benefits and rewards, cardholders can often offset this fee and gain value.
    The card’s variable interest rate, reaching up to 29.99%, requires cardholders to be vigilant. Paying off balances in full monthly is crucial to avoid accruing high-interest charges.
    To qualify for the $125 discount on American Airlines purchases, cardholders must spend $20,000 within a specified timeframe. While it may seem daunting, it’s attainable for those who use the card for everyday expenses and travel bookings.

How to apply for – Citi Aadvantage Patinum

  1. Visit the official Citi website.
  2. Click on the “Apply Now” button.
  3. Fill out the form with your personal and financial information, ensuring accuracy and completeness.
  4. Review all the provided details to confirm they are correct.
  5. Submit your application securely online.
  6. Await the processing and approval of your application, which will be communicated to you via email or mail.

By following these steps, you can easily apply for the Citi AAdvantage Platinum  and start enjoying its benefits and rewards.


You will be redirected to the card website

How to contact  – Citi

For assistance, reach out to customer service team at 1-800-950-5114.

Alternatively, visit the Citi website for additional support options, such as live chat, email inquiries, or FAQs.