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Details Of The Citi Gold AAdvantage World MasterCard Application

If you fly American Airlines, have good credit and are looking to open a new MasterCard account, using the Citi Gold AAdvantage World MasterCard application may fit the bill. It is one of several cards that Citibank offers that is designed for people who fly on American.

For each dollar you spend on the Citi Gold AAdvantage World MasterCard, you earn one mile of travel on American Airlines. You can also use earned miles toward hotel accommodations and rental cars. The maximum amount of miles you can earn in any given year is 60,000, but those miles have no expiration date so long as there is some activity on the account once during a three year time frame.

Citicard offers several AAdvantage cards, so it is important to note that the Citi Gold AAdvantage World MasterCard offers 12,500 bonus miles for the first purchase on the card! Its annual fee of $50 is waived for the first year, as well, and this particular MasterCard has no “pre-set spending limit”. (All that means is that you can exceed your credit limit on occasion, based on your payment history.)

Currently, the APR for the Citi Gold AAdvantage World MasterCard is 17.99%. For cash advances, the variable APR goes up to 22.99%. If you happen to default on the card, the variable APR can be raised to 31.99%. There are, of course, finance charges for any purchases that are not paid for within the first 30 days, and there are charges for other services like cash advances, foreign purchase and balance transfers.

So, if you travel, want to earn much needed bonus miles, and like the flexibility of having no pre-set spending limit, the $50 annual fee shouldn’t affect your decision about applying for this MasterCard. If you pay off your card each month, don’t normally spend more than $60,000 on a card per year (which will be the maximum limit of bonus miles you can earn), and like that there are no black out dates for when you can travel with bonus miles earned, you will definitely appreciate the Citi Gold AAdvantage World MasterCard.

Credit Card Leaders: Visa and American Express

When it came to getting a credit card, millions of consumers all over the world chose Visa cards, which allows them to manage their finances in a better way, while enabling them to choose a system of payment for their purchases, either in increments over time or at the end of each month. Visa cardholders are offered the opportunity to pay for their purchases in the manner and at the time that work best for them.

Getting a Visa card can only be possible after you have contacted one of the banks that issue Visa cards. The good news is that the Visa cards are so widely spread all over the world that chances are you’ll find such an organization quite close to you.

The types of cards offered by Visa through its issuing members are credit cards, debit cards and prepaid cards.

With a Visa debit card, the customer can have access to his/her money regardless of their location as long as they see a Visa symbol. The money is deducted from their balance, with no interest. There are many advantages to using a card, such as saving the trip to the bank or the need to queue up for a cash dispenser, or being safer than carrying money. When you lose money, it’s gone forever. However, if you should happen to lose your Visa card, it can be stopped as soon as it has been declared lost or stolen, and be replaced afterwards.

The are several types of Visa debit cards, including Visa Electron, most popular in Central and Eastern Europe, Africa and the Middle East and ideal for a wide range of customers as it has in-built security features; Visa Classic, designed for those who use their cards everywhere, be it the real world, the Internet or by telephone; Visa Gold, whose most important benefit is that your card or cash, or both of them, can be replaced, should it be lost or stolen; and Visa Platinum, designed for high-spenders who can enjoy its top-level services.

Visa prepaid cards allow consumers to control spending, as well as to send money home, pay for their trips, teach their children money management, or even give it as a gift.

With Visa credit cards customers are offered a whole new world of possibilities, being exceptionally reliable and convenient.

Another company best known for its businesses with credit cards, charge cards and traveler’s cheques is American Express, or ‘Amex’.

American Express issues a great variety of credit cards, each with specific benefits, so as to please and meet the needs of all their customers. Consumers can choose from the American Express Card, America Express Gold Card, Rewards Plus Gold Card, Platinum Card, Blue form American Express, and so forth. The remarkable benefits of the American Express credit cards include personal service and attention at an exceptional level, use membership points for traveling, shopping and entertainment, access to entertainment events, special travel privileges, and many more.

The American Express Gift Cards have special offers from participating merchants and retailers all over the nation. The American Express Gift Cards can be purchased for any occasion, and in an easy manner, as they are available online.