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1 The regular effective rate varies by product, between 16% and 28% annually. New card applications are subject to verification and credit check. Citibank is not responsible for products or services offered by other companies. Services received with AAdvantage® miles are the sole responsibility of the party who offers them, and the client agrees to not hold claim against Banco Citibank (Panama), S.A.
2 Miles never expire provided that once every 18 months you (i) redeem AAdvantage® miles or (ii) earn them on American Airlines, American Eagle, or the AmericanConnection® carriers or (iii) earn AAdvantage® miles with an AAdvantage® participant.
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