Citi® / AAdvantage® Government World Elite Mastercard® Overview (2025.12 Replace: 100k Supply)

2025.12 Replace: The 100k provide has come again.

2025.5 Replace: The 100k provide has come again.

2024.5 Replace: The 100k provide has come again.

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Advantages

1. 100k Supply: earn 100,000 AA Miles after spending $10,000 in first 3 months. That is the very best provide on this card.
2. We worth AA Miles at 1.5 cents/level (Airline Miles Value), so the 100k sign-up bonus is price about $1,500! See A Beginner’s Guide to AA Miles to examine for particulars about AA Miles.
3. Earn 4 AA miles per $1 spent on American Airways, 1 AA mile per $1 on different purchases. Earn 5x on AA after spending $150,000 in a calendar 12 months. Earn 10 AA miles for each $1 spent on eligible resorts booked by means of aa.com/resorts and on eligible automotive leases booked by means of aa.com/automobiles.
4. Complimentary Admirals Membership membership ($500/12 months for buy), which permits cardholder and two company to enter Admirals Membership at no cost.
5. [New] Coupon Guide:
   • $120 Avis/Funds credit score per calendar 12 months
   • $120 Grubhub credit score: $10 per month-to-month billing assertion
   • $120 Lyft credit score: $10 Lyft credit score after 3 taking 3 eligible rides in a calendar month
6. [New] Earn 1 Loyalty Level for each 1 eligible AAdvantage® mile earned from purchases.
7. [New] Loyalty Factors Bonuses: Earn a ten,000 Loyalty Factors bonus after reaching 50,000 Loyalty Factors in a standing qualification 12 months. Earn one other 10,000 Loyalty Factors bonus after reaching 90,000 Loyalty Factors in the identical standing qualification 12 months.
8. First checked bag free on home American Airways flights for cardholder and as much as eight companions.
9. Precedence check-in, screening and boarding when touring on home American Airways flights.
10. 25% financial savings on eligible in–flight AA purchases utilizing this card.
11. Earn 10,000 Elite Qualifying Miles (EQM) after spending $40,000 in every calendar 12 months.
12. No overseas transaction payment.
13. Free so as to add approved customers, as much as 10. Approved customers have complimentary entry to Admirals Membership, and also can deliver two company at no cost! [Expired]

Disadvantages

1. $595 annual payment, NOT waived for the primary 12 months. Citigold members ($200k assets required) get a $145 annual payment low cost, which makes the annual payment $450. Word that annual payment doesn’t rely in direction of the minimal spending requirement (and that is true for all bank cards)!

Beneficial Utility Time

1. [8/65 Rule] You possibly can apply for at most 1 Citi playing cards each 8 days, and at most 2 Citi playing cards each 65 days, regardless of authorised or not.
2. [1/48 Rule] The welcome bonus isn’t obtainable in case you have acquired a brand new account bonus for this card up to now 48 months.
3. Citi values the variety of latest arduous pulls so much, we suggest you apply when there’s lower than 6 arduous pulls up to now 6 months.
4. We suggest you apply for this card after you’ve a credit score historical past of at the very least one 12 months.

Abstract

Word that you could solely get ONE sign-up bonus among the many Citi AA playing cards in 24 months. Though the sign-up bonus is the best among the many Citi AA playing cards, its first 12 months excessive annual payment isn’t waived. So we suggest Citi AA Platinum as an alternative of this card.

Associated Credit score Playing cards

Beneficial Downgrade Choices

After Making use of

• Name 888-201-4523 to examine Citi utility standing.
• Citi reconsideration backdoor quantity: 605-331-1698. It is a so known as “Citi EO” (Government Workplace) telephone quantity. This telephone quantity isn’t designed to make reconsiderations, however the representatives are actually useful.

Historic Presents Chart

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