Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Travel
2x
Gas
2x
Everything else
2x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Travel2×
- Gas2×
- Everything elseAll Purchases2×
Welcome offer
75,000 points
- Spend $5,000 in 150 days
- Est. value: $750 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- First Checked Bag Free
On domestic American Airlines itineraries for you and up to 4 companions traveling on the same reservation.
- Preferred Boarding
On American Airlines flights for you and up to 4 companions on the same reservation.
- Inflight Savings
25% savings on inflight food, beverages and Wi-Fi purchases on American Airlines flights.
- No Foreign Transaction Fees
- American Airlines Companion Certificate
Earn a companion certificate for qualifying domestic travel after you spend $30,000 in purchases each cardmembership year and renew your card. Redeeming the certificate costs $99 for the ticketing fee plus taxes and fees.
- No blackout dates
Plan your travel freely with no blackout dates when booking with miles.
- Add Authorized Users
Receive employee cards at no additional cost.
- Citi® Quick Lock
- 24-hour fraud protection
- Mastercard® ID Theft Protection
- Citi Entertainment®
Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences.
- Citi® Flex Pay
Pay over time in fixed monthly payments on eligible purchases of $75 or more.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $99 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.