Citi・Mastercard・No.044
The classic AAdvantage workhorse where the free checked bag alone can offset the annual fee for a couple of trips.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-10-17 (source: creditcards.aa.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Best for regular American Airlines flyers who check bags and want boarding and mileage perks.
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
$0 intro annual fee the first year, then $99 a year.
Yes, the free checked bag alone can offset the fee over a couple of trips.
No foreign transaction fees.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.