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
Everything else
2x
Groceries
2x
Where it wins:
No annual fee — every dollar of rewards and credits is net value.
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.
- Everything elseAmerican Airlines2×
- Groceries2×
- Everything elseAll Purchases1×
Welcome offer
15,000 points
- Spend $500 in 90 days
- Est. value: $150 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- Inflight Savings
On inflight food and beverage purchases when you use your card on American Airlines flights.
- No Blackout Dates
Plan your travel freely with no blackout dates when booking with miles.
- No Authorized User Fee
Add authorized users to earn AAdvantage® miles on their purchases at no additional charge.
- No Mileage Cap
There is no maximum number of American Airlines AAdvantage® miles that you can accumulate with your card.
- Free FICO® Score
Receive free access to your FICO® Score online to review your credit history.
- $100 Statement Credit$100/yr
Earn a $100 statement credit as part of the new cardmember offer after meeting the spend requirement.
- Citi® Quick Lock
Instantly block new charges on a misplaced card while allowing recurring transactions to continue.
- 24-Hour Fraud Protection
Citi will alert you if we see unusual activity on your account.
- Mastercard® ID Theft Protection
Helps eliminate the worry of identity theft by monitoring your information and alerting you if suspicious activity is found (enrollment required).
- Chip-Based Card Technology
Provides security and global acceptance.
- Citi® Flex Pay
Pay over time in fixed monthly payments for eligible purchases of $75 or more.
- Citi Entertainment®
Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences.
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
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
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?
Confirm net value on a no-annual-fee card.
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.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.