Claim: Money is the means, not the end.
Reason: Because when you're dead, you're dead, no matter how wealthy you are.
Also:
Character: The ad relies heavily on the Citibank brand and reputation to lend authority to its claim.
Emotion: This ad also has an emotional element. They haven't relied on data or stats. They have made the most emotional version of the argument they could, framing it around life, death, and fear of regret (moving away from hoarding wealth and towards "living richly".)