Citi® Bronze® / AAdvantage® World MasterCard®

Editor's Review: Citi® Bronze® / AAdvantage® World MasterCard®, which is offered by Citibank, is geared toward individuals who have average credit and who also wish to take advantage of a frequent flyer program with American Airlines. It offers many of the same features as other AAdvantage® credit cards offered by Citibank and is ideal for someone who spends less than $50,000 per year on his or her credit card.

One of the most attractive features of the Citi® Bronze® / AAdvantage® World MasterCard® is the airline rewards program. With this reward program, the cardholder earns one mile for ever two dollars he or she spends using the card. These points can then be used to earn free travel with American Airlines and its partners. In addition, cardholders earn a bonus 5,000 miles after making their first purchase with the card. The points earned never expire so long as the account remains active at least once every three years. There is, however, a cap of 25,000 miles that can be earned each year and these miles are compatible with many frequent flyer programs.

The Citi® Bronze® / AAdvantage® World MasterCard® has benefits in addition to the reward program. For example, it provides travel accident insurance and protection from liability for unauthorized transactions. The card also provides emergency card and cash replacement, as well as lost and stolen card reporting. In addition, it provides a variety of Internet account services.

The Citi® Bronze® / AAdvantage® World MasterCard® has no annual fee. There is also no annual fee for additional cardholders. There is no minimum or maximum credit limit associated with the card, though cardholders who exceed their limit must pay a $35 fee. The variable APR for the Citi® Bronze® / AAdvantage® World MasterCard® is based on the Prime Rate. There is, however, a minimum cap on the APR of 19.99% on cash advances. Therefore, the APR for cash advances will never be less than 19.99%.

Late payments on balances up to $100 result in a $15 fee, balances of $100 to $250 result in a $29 fee, while a $39 fee is assessed on balances over $250.