Citi AAdvantage Gold Card

Card Review & AAdvantage Miles Calculator
1x All Purchases
25% Off In-Flight

Calculate total AAdvantage Miles based on your spend across the Citi AAdvantage Gold Card and get a full review of the benefits, fees, and sign up bonus.


The AAdvantage Gold Card is the lowest on the totem pole when it comes to the AAdvantage Cards that both Barclay and Citi offers. It has an annual fee, provides minimal benefits, and doesn't have any feature any bonus categories. The AAdvantage Gold Card can easily be outdone by the newer Citi AAdvantage MileUp Card which features a few benefits, two bonus categories, and no annual fee.

Bonus Categories

1x All Purchases

The Citi AAdvantage Gold Card earns 1 AAdvantage Miles per $1 spent on all purchases. There is no bonus category and no reason to put any spend on this card. All of the other AAdvantage Cards including the no annual fee Citi MileUp Card can offer a better return. I would avoid this card if possible.

Perks & Benefits

25% In-flight Savings

Citi AAdvantage Gold Card holders will receive a 25% savings on in-flight purchases of food and beverages on flights operated by American Airlines when purchased with their Citi AAdvantage card. Savings do not apply to any other in-flight purchases, such as wireless internet access.

AA Reduced Mileage Awards

The Reduced Mileage Awards Program allows Citi AAdvantage card members to redeem American Airlines AAdvantage miles for discounted round trip or one-way travel on MileSAAver® awards to destinations selected every other month.

Sign Up Bonus (SUB)

The standard Citi AAdvantage Gold Card signup bonus is 25,000 AAdvantage Miles which is worth around $350. This is not a lot of miles but can still be worth it if you need to top off your account or need to fly a short distance. You can look at the AA Award Chart on their website to see how far those miles can go for you.

Fees

Annual Fee

The Citi AAdvantage Gold Card annual fee is $0 the first year, then $50. It doesn't make sense to pay this fee when the Citi AAdvantage MileUp Card outshines the Gold Card in every way including not having an annual fee.

Authorized User Fee

The Citi AAdvantage Gold does not have a fee to add additional users. And it shouldn't.

Foreign Transaction Fee

The foreign transaction fee for using the Citi AAdvantage Gold out of country is 3% which is more than what the card can make per $1 spent. If you have this card, do NOT use this anywhere but in the United States. That goes for the Citi AAdvantage MileUp Card as well.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
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Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
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Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
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Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.

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