2×points per dollar
Dining
2× on dining, the issuer's published rate for the category.
Every perk, coverage and status this card carries, at the issuer's face value.
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Face value of perks
$125
1 credit in 1 category
Annual fee
$99
Charged once a year
Top earn rate
2× points
Dining, american Airlines, and gas Stations
What every dollar returns, by where you spend it. Three categories earn extra on this card; everything else earns the base rate.
2×points per dollar
2× on dining, the issuer's published rate for the category.
2×points per dollar
2× on american airlines, the issuer's published rate for the category.
2×points per dollar
2× on gas stations, the issuer's published rate for the category.
1×points per dollar
The base rate on all other eligible purchases.
Multipliers are points per dollar, before any transfer or redemption value.
Every perk this card carries, grouped by what it pays for, at the issuer's published face value. What you actually keep depends on whether you use them.
$125 · 1 perk
Requires spending $20,000 and renewing the card.
1 credit, $125 at face value. Figures come from our card database, checked against the issuer's terms. Report a mismatch
Face value is the issuer's best case. Pick the credits you'd use and Which Card works out your effective annual fee, against any other card.
Protections that come with the card and cost nothing extra. They have real value and no published price, so they are never counted into the figures above.

Get an extra 24 months added to your warranty when you purchase items at least in part with your Citi card and/or ThankYou® Points. If your eligible item breaks, we’ll repair, reimburse or replace it, up to the amount charged on your Citi card and/or ThankYou® Points or up to $10,000 per item, whichever is less.

Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Access and standing granted by holding the card. Some need a one-time sign-up with the issuer before they are live on your account.

Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
First checked bag free on domestic American Airlines itineraries for you and up to 4 companions traveling with you on the same reservation.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
We'll build your wallet dashboard instantly, with every reset deadline and a note on any credit that needs a sign-up first, so you can begin earning from day one.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
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