Do not get the Citibank Aadvantage card. The customer service is BAD. I booked a cruise and the agent put the ENTIRE amount of the cruise on the credit card WITHOUT asking me. I wanted to just put down the deposit because the cruise isn't till january,2003. I called the cb to dispute the charge and they would not put the amount in dispute. So now I have been trying to get a refund on my OWN thru the agent and NCL cruise line. The people at CB will not help you at all. DO not get the card. You'll be sorry.