Is the Citi / AAdvantage Globe Mastercard worth $350/yr?

The honest math on the Citi / AAdvantage Globe Mastercard: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $350 annual fee.

Citi · $350 annual fee · earns AAdvantage miles

Earning rates

3x Eligible American Airlines purchases
6x AAdvantage Hotels bookings
2x Restaurants, including takeout and delivery
2x Rides and Rails (taxis, rideshares, public transit)
1x Everything else

Statement credits (4)

Splurge Credit — Up to $100 back per calendar year in statement credits on your choice of up to 2 of: 1stDibs, eligible AAdvantageHotels.com bookings, Future Personal Training, and Live Nation (exclusions apply).
Inflight Purchases Credit — Up to $100 back per calendar year in statement credits on eligible American Airlines inflight purchases.
Turo Statement Credits — $30 back per completed Turo trip, up to $240 a year (8 trips) - requires linking your card at Turo.com/Globe and paying with this card.
Global Entry / TSA PreCheck Credit — $120 application-fee credit once every 4 years (~$30/yr).

Certificates (1)

American Airlines Companion Certificate — One domestic Main Cabin round-trip companion certificate per year starting in your second cardmembership year, as long as you renew the card. Redeeming costs a $99 ticketing fee plus taxes and fees.

Protections and perks (13)

Admirals Club Globe Passes — Four 24-hour Admirals Club day passes per calendar year, usable at any of the nearly 50 Admirals Club lounges network-wide.
Flight Streak Bonus — 5,000 AAdvantage Loyalty Points after every 4 qualifying American Airlines flights, up to 15,000 additional Loyalty Points per status-qualification year.
AAdvantage Loyalty Points on Spend — 1 Loyalty Point for every eligible AAdvantage mile earned from purchases - counts toward AAdvantage elite status, not redeemable miles.
First Checked Bag Free — Your first standard checked bag flies free on domestic American Airlines/American Eagle itineraries - the airline charges $45 prepaid for it.
Preferred Boarding — Board American Airlines flights in Group 5, ahead of general boarding, for you and up to 8 companions on the same reservation.
10% Off American Airlines Vacations — 10% discount on eligible American Airlines Vacations package purchases.
Enhanced Trip Cancellation / Interruption Protection — Reimburses non-refundable common-carrier costs when a covered trip is cancelled or cut short for covered reasons.
Trip Delay Protection — Reimburses reasonable expenses (meals, lodging, ground transportation) when a covered trip is delayed.
Lost or Damaged Luggage Protection — Covers checked luggage lost, stolen, or damaged by a common carrier.
MasterRental Worldwide Car Rental Insurance — Collision/damage coverage on rentals - primary coverage outside the US, secondary within the US.
Extended Warranty — Extends the manufacturer's US warranty on eligible purchases.
Purchase Assurance Plus — New purchases covered against damage or theft for a limited period.
No Foreign Transaction Fees — No surcharge on purchases abroad.

Recent changes to this card's data

2026-08-27 — Citi / AAdvantage Globe Mastercard (new card)

Added data/cards/citi-aadvantage-globe.json: annual fee $350; earning rates 3x American Airlines purchases, 6x AAdvantage Hotels bookings, 2x dining, 2x Rides and Rails (taxis/rideshare/transit), 1x everything else; 1 Loyalty Point per eligible mile earned. Source: https://citicards.citi.com/hc/dwk-pdfs/Globe-Benefits-Overview.pdf, https://awardwallet.com/credit-cards/american-aadvantage/citi-aadvantage-globe-card/
Credits: Splurge Credit (up to $100/yr, choice of 2 of 1stDibs/AAdvantageHotels.com/Future Personal Training/Live Nation), Inflight Purchases Credit (up to $100/yr), Turo credits (up to $240/yr, $30/trip, ongoing benefit not time-limited), Global Entry/TSA PreCheck ($120/4yr, shared key trusted-traveler). Source: https://citicards.citi.com/hc/dwk-pdfs/Globe-Benefits-Overview.pdf
Perks: 4 Admirals Club Globe Passes/year (24hr each, modeled with guestsIncluded: 0 since no adult companion beyond the pass user is confirmed — only up to 3 kids under 18), Flight Streak Bonus (5,000 Loyalty Points per 4 qualifying AA flights, capped 15,000/yr, unpriced — Loyalty Points have no cash value), base 1:1 Loyalty Points on spend (unpriced), first checked bag free, preferred boarding, 10% off AA Vacations. Sources: https://citicards.citi.com/hc/dwk-pdfs/Globe-Benefits-Overview.pdf, https://onemileatatime.com/guides/citi-aadvantage-globe-card-american-admirals-club-passes/
Certificate: American Airlines Companion Certificate (1 domestic Main Cabin round-trip/yr starting cardmembership year 2, $99 ticketing fee + taxes/fees to redeem). Source: https://citicards.citi.com/hc/dwk-pdfs/Globe-Benefits-Overview.pdf
Coverages: trip cancellation/interruption, trip delay, lost/damaged luggage, MasterRental car rental CDW (secondary), extended warranty, Purchase Assurance Plus, no foreign transaction fees. No dollar coverage ceilings are published by Citi for this card as of this pass (confirmed via hellosafe.com's dedicated coverage page); modeled without maxCoverage — flagged for a maintainer re-check if Citi publishes card-specific limits. Source: https://hellosafe.com/credit-card-insurance/united-states/citi/aadvantage-globe
No exclusiveGroup set: only a 48-month new-account-bonus eligibility restriction was found (citi.com), not a hard one-card-per-person product rule — left off per the skill's rule against inferring exclusivity from an unconfirmed/different-purpose restriction.
Excluded (legacy-only, converted Barclays accounts, not current-applicant terms): inflight Wi-Fi/food-and-beverage credits, a legacy companion certificate, and 2x on hotels/car rentals — all gated to former AAdvantage Aviator Silver World Elite Mastercard cardmembers per Citi's own benefits-overview PDF. Source: https://citicards.citi.com/hc/dwk-pdfs/Globe-Benefits-Overview.pdf

Card data verified against Citi on 2026-08-27.

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