Complete Terms Page
UDAP T&C
CITI DISCLOSURES
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

15.99% to 24.99%, based on your creditworthiness.

These APRs will vary with the market based on the Prime Rate.a
APR for Balance Transfers

15.99% to 24.99%, based on your creditworthiness, for transfers completed within 2 months from date of account opening.

These APRs will vary with the market based on the Prime Rate.a
APR for Cash Advances

25.24%

This APR will vary with the market based on the Prime Rate.b
APR for Citi Flex Plan

15.99% to 24.99%, based on your creditworthiness.

These APRs will vary with the market based on the Prime Rate.a
Penalty APR and When it Applies

Up to 29.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.c

This APR may be applied to your account if you:
(1) Make a late payment or
(2) Make a payment that is returned.


How Long Will the Penalty APR Apply? If your APRs are increased for either of these reasons, the Penalty APR may apply indefinitely.
How to Avoid Paying Interest on Purchases

Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your monthly Citi Flex Plan Payment Amount plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month. If you do not pay your monthly Citi Flex Plan Payment plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month, you will pay interest on your purchases from the date they're posted to your account. We will begin charging interest on cash advances and balance transfers on the transaction date. We will begin charging interest on a Citi Flex Plan balance at the start of the billing cycle following the billing cycle during which you created the Citi Flex Plan.

Minimum Interest Charge

If you are charged interest, the charge will be no less than 50 cents.
For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at



Fees
Annual Fee

None
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Purchase Transaction

  • Either $5 or 3% of the amount of each transfer, whichever is greater.

  • Either $10 or 5% of the amount of each cash advance, whichever is greater.

  • 3% of each purchase transaction in U.S. dollars.
Penalty Fees
  • Late Payment
  • Returned Payment

  • Up to $40

  • Up to $40


How We Will Calculate Your Balance: We use a method called "daily balance (including current transactions)."

For more information call Citibank at 1-877-625-6382 (for TTY phone services for the hearing/speech impaired: 1-800-325-2865). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods.

Payment Allocation: We may apply the portion of your payments up to your Minimum Payment Due to lower APR balances first, including transferred balances. Generally, payments above your Minimum Payment Due will be applied to your highest rate balance first.

Prime Rate: The variable rates shown here are accurate based on a 3.25% Prime Rate.
a We add 12.74% to 21.74% to the Prime Rate to determine the Purchase/Balance Transfer/Citi Flex Plan APR.
b We add 21.99% to the Prime Rate to determine the Cash Advances APR.
c We add up to 26.74% to the Prime Rate to determine the Penalty APR.
Variable rate APRs will not exceed 29.99%.

Note: Balance Transfers and Flex Plans are made available at our discretion.
American Airlines AAdvantage MileUpSM Card Terms & Conditions

This offer is valid for new accounts only. You must be at least 18 years of age. If you're married, you may apply for a separate account. The Card offer referenced in this communication is only available to individuals who reside in the United States and its territories, excluding Puerto Rico and U.S. Virgin Islands. Your eligibility for a particular product and service is subject to a final determination by Citibank. This communication is not and should not be construed as, an offer to individuals outside of the United States. Citibank, N.A., Sioux Falls, SD, ("Citi," "we" or "us") is the issuer of your account. Please allow 4 weeks from date of submission to process your Card Account application.

You understand and agree that by submitting this application you are furnishing all information in this application to Citi and that this information may be used in accordance with Citi’s Privacy Notice, available below.  You also agree that the information you are providing herein must be verifiable and accurate.  By submitting this application, you request that Citi establish a [American Airlines AAdvantage MileUpSM Card] account (the "Card Account") to you and any authorized users you have designated. The Card Account will be governed by the terms of the card agreement ("Card Agreement") provided when the Card Account is issued.

By submitting this application you understand and agree that you are also furnishing your personal information to American Airlines for purposes of enrolling or verifying your enrollment in the AAdvantage® program.  American Airlines may use your personal information in accordance with its Privacy Policy, available at https://www.aa.com/privacy. If you are not an AAdvantage® member or did not provide an AAdvantage® account number in your application, you consent to enrollment in the AAdvantage® program, which is governed by the AAdvantage® terms and conditions available at https://www.aa.com/.

Identity Verification

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that we will ask for your name, address, date of birth, and other information that will allow us to identify you when you open an account. We may also ask to see your driver's license or other identifying documents; and obtain identification information about you or any authorized user you add to your account.

Authorization for the Social Security Administration to Disclose Your Social Security Number Verification - You authorize the Social Security Administration (SSA) to verify and disclose to Citibank, N.A. through Experian for the purpose of this transaction whether the name, Social Security Number (SSN) and date of birth you have submitted matches information in SSA records. Your consent is for a one-time validation within the next 90 days.

Communications

You agree that we and or our service providers may contact you at any phone number provided, email address, or mailing address. This includes communications to mobile or similar device. We may contact you by live person, auto dialer, recorded or artificial voice, text, or email for servicing, marketing information, or for decision for credit card application.

Credit Reports

You authorize us to get credit reports and other information about you from consumer reporting agencies and other sources, for such purposes as: determining whether to issue you a Card Account, administering, reviewing and renewing the Card Account, credit line increases or decreases, collection and other servicing of the Card Account, and offering other products and services and for any other uses permitted by law. If you ask us, we'll tell you whether or not we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports. From time to time, we may report negative information about your Card Account behavior, like delinquencies, to consumer reporting agencies.

Credit Information

To receive a Card Account, you must meet our applicable criteria bearing on creditworthiness and any other of our eligibility criteria, which we determine in our sole discretion.

Your revolving credit limit will be determined based on the following:

  • Your annual salary and wages
  • Any other annual income
  • A review of your debt, including the debt listed on your credit report

We'll inform you of your revolving credit limit when you receive your credit card. Some limits may be as low as $1000. Please note that cash advances may be limited to a portion of your revolving credit limit.

Card Agreement

If you are approved for a Card Account, you'll receive a Card Agreement before you can use your Card Account. The terms of the Card Agreement will take effect once you use your Card Account. Even if you do not use your Card Account, the Card Agreement will take effect if you do not cancel your Card Account within 30 days after we send you the Card Agreement. We have the right to make changes to the terms of your Card Account (including rates and fees) in accordance with the Card Agreement.

Information Sharing

IMPORTANT NOTICE REGARDING PRIVACY: You understand and agree that by submitting this application you are furnishing all information in this application to Citi and that Citi may use any information collected from you regarding you personally and your business in accordance with Citi's Privacy Policy located online at www.citi.com/privacy. You also agree that the information you are providing herein must be verifiable and accurate. By submitting this application, you request that Citi establish a American Airlines AAdvantage MileUpSM Card account (the "Card Account") to you and any authorized users you have designated. The Card Account will be governed by the terms of the card agreement ("Card Agreement") provided when the Card Account is issued.

By submitting this application you understand and agree that you are also furnishing your personal information to American Airlines for purposes of enrolling or verifying your enrollment in the AAdvantageŽ program and agree that we may share transaction and experience information regarding your activity with Citi with them. American Airlines may use this information in accordance with its Privacy Policy, available at https://www.aa.com/privacy. If you are not an AAdvantageŽ member or did not provide an AAdvantageŽ account number in your application, you consent to enrollment in the AAdvantageŽ program, which is governed by the AAdvantageŽ terms and conditions available at https://www.aa.com/.

Special Notices

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to Wisconsin Residents: No marital property agreement, unilateral statement, or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of its terms before your account is opened.

Important Information About Adding An Authorized User

Before adding an authorized user to your Card Account you should know:

  • You're responsible for all charges made or allowed to the Card Account by the authorized user.
  • Miles earned on an Authorized User's credit card will be allocated to the AAdvantage® account of the primary credit cardholder and not the Authorized User.
  • Authorized users have access to your Card Account information.
  • Before adding an authorized user, you must let him/her know that we may report Card Account performance to the credit reporting agencies in the authorized user's name.

If we ask for information about the authorized user, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law.

Balance Transfer Information

How to Make Balance Transfers

  • After receiving your card, you can call the customer service number on the back of your card to transfer balances. Balance transfers are made available at our discretion. All balance transfers are subject to the standard purchase APR unless an introductory and/or other promotional rate applies.
  • If we give you the option to transfer a balance with your application, it will take at least 14 days after your Card Account is opened to process any balance transfer payments. During this time, you may cancel or modify your balance transfer request by calling the number on the back of your card.
  • You may transfer any amount, but the total amount of your balance transfer plus balance transfer fees must be less than your available revolving credit limit. Be sure you don't transfer any disputed purchase or other charge amount because you may lose your dispute rights. You cannot transfer balances from other accounts issued by Citi or its affiliates. If you are unsure of the issuer on the account, please visit www.citi.com/affiliatesproducts for a list of Citi products and affiliates.
  • Continue to make payments on your other accounts until you have confirmed this balance transfer has been received. Once approved, we'll pay the amount of the balance transfer directly to that issuer. The available revolving credit limit for your new card will be reduced by the total amount of the transfers, including fees we approve.

Things You Should Know About Your Balance Transfer Offer:

If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the New Balance shown on your statement (including the amount of your balance transfer) in full by the payment due date each billing period.

If you default under your Card Agreement you may lose any promotional APR on the balance transfer.

Additional Information

Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. Citi isn't responsible for products and services offered by other companies.

Award Program Information

American Airlines reserves the right to change AAdvantage® program rules, regulations, travel awards and special offers at any time without notice and to end the AAdvantage® program with six months notice. Any such changes may affect your ability to use the mileage awards or credits that you have accumulated. Members may not be able to obtain all offered awards at all times or use awards for all destinations or on all flights. AAdvantage® travel awards, mileage accrual and special offers are subject to government regulations. Unless specified, AAdvantage® miles earned through this promotion/offer do not count toward elite status qualification or AAdvantage Million Miler℠ status. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® program, visit www.aa.com/aadvantage.

American Airlines, American Eagle, AAdvantage, AAdvantage MileUp, AAdvantage Million Miler, MileSAAver, Business Extra, Flagship, Admirals Club, Platinum Pro, AA Cargo, the Flight Symbol logo and the Tail Design are marks of American Airlines, Inc.

Mastercard® is a registered trademark of Mastercard International, Incorporated.

Fraud Disclosure

If Citi sees evidence of fraud, misuse, abuse, or suspicious activity, as determined by Citi in its sole discretion, Citi reserves the right to take action against you and your credit card account. This may include, without limitation and without prior notice, declining your credit card account application, stopping you from earning American Airlines AAdvantageŽ miles for purchases made with your card, suspending or closing your CitiŽ / AAdvantageŽ card account, and advising American Airlines of such activity. Citi may also take legal action against you to recover monetary losses, including litigation costs and damages. Examples of activities that may trigger such actions include, but are not limited to, the following: (1) application for a card account in an attempt to take advantage of a bonus offer that was not intended for you or for which you are not eligible per the terms of the offer; (2) repeated cancellation or conversion of your Citi card accounts within one year after account opening or conversion; (3) returns of purchases you made to satisfy all or a substantial portion of the purchase requirements for a bonus offer or excessive returns of purchases for which you have earned AAdvantageŽ miles or (4) using your account other than for personal, family or household purposes.

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