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Citi® / AAdvantage® Executive World Elite Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard®

Sign Up Bonus
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
Rewards Rate
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases & 1 AAdvantage® mile for every $1 spent on other purchases
Rates & Fees
No Foreign Transaction Fees on purchases
Edited by
Julie Sherrier
Reviewed by
Tracy Brackman
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the Citi® / AAdvantage® Executive World Elite Mastercard® best for?

If you frequently fly with American Airlines and want to earn an influx of AAdvantage miles to help offset the cost of future travel from a premium travel card, the Citi® / AAdvantage® Executive World Elite Mastercard® can help you with that.

Along with a generous sign-up bonus and rewards on every purchase, the card offers a variety of valuable benefits — these include Admirals Club membership and the first checked bag free for you and up to eight travel companions on domestic American Airlines itineraries.

Just keep in mind that the card comes with a hefty price tag: If you don’t plan to take advantage of the card’s benefits, it most likely won’t be worth your while.

We highlight the pros and cons of the Citi® / AAdvantage® Executive World Elite Mastercard®, and show how it compares to similar premium travel cards to help you determine if it’s the right fit for you.

Citi® / AAdvantage® Executive World Elite Mastercard® overview

    • Earn 50,000 American Airlines AAdvantage® Bonus Miles after spending $5,000 in purchases within the first 3 months of account opening
    • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
    • No Foreign Transaction Fees on purchases
    • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
    • Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
    • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
    • The standard variable APR for Citi Flex Plan is 16.74% - 25.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Credit needed:
    660 850
    excellent-good
  • 0% foreign transaction fees
  • First checked bag free on domestic American Airlines itineraries for up to 8 companions on the same reservation
  • Priority check-in, airport screening (where available) and boarding privileges
  • Dedicated concierge
  • $0 liability on unauthorized charges
  • Access to Citi Entertainment

Intro Purchase APR

N/A

Regular Purchase APR

16.74% - 25.74% (Variable)

Intro BT APR

N/A

Regular BT APR

16.74% - 25.74% (Variable)

Annual Fee

$450

Cash Advance Fee

5% of each cash advance; $10 minimum

Foreign Transaction Fee

0%

Balance Transfer Fee

5% of each balance transfer; $5 minimum

Pros and cons

Pros

  • Generous sign-up bonus
  • Admirals Club membership
  • Valuable travel benefits

Cons

  • High annual fee
  • Mediocre rewards rate
  • No intro APR on purchases

What we like about the Citi® / AAdvantage® Executive World Elite Mastercard®

  • Generous sign-up bonus

    With the Citi® / AAdvantage® Executive World Elite Mastercard®, cardholders earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening.

    AAdvantage miles can be redeemed for flights to nearly 1,000 destinations worldwide, upgrades on most domestic and international flights marketed and operated by American Airlines, hotel stays, car rentals or vacation packages.

  • Admirals Club membership

    The Citi® / AAdvantage® Executive World Elite Mastercard® comes with complimentary Admirals Club membership — valued at up to $650. This includes complimentary access to amenities and services: These include food, house drinks, personal travel assistance and more at nearly 50 airport lounge locations across the globe.

    As the member, up to two guests or immediate family members (meaning, your spouse, domestic partner and/or children under the age of 18) can accompany you.

  • Valuable travel benefits

    Along with Admirals Club membership, the card also offers the first checked bag free on domestic American Airlines itineraries for you and up to eight travel companions on the same reservation, priority boarding on American Airlines flights, priority check-in and priority airport screening (where available). Plus, get 25% savings on in-flight food and beverage purchases on American Airlines flights, as well as a Global Entry or TSA Precheck application fee credit of up to $100 every five years.

What to watch out for with the Citi® / AAdvantage® Executive World Elite Mastercard®

  • High annual fee

    The Citi® / AAdvantage® Executive World Elite Mastercard® comes with a pricey annual fee of $450 — although high annual fees are typically charged for premium travel credit cards.

    Still, the value you can get from the Citi® / AAdvantage® Executive World Elite Mastercard®‘s benefits can can easily outweigh the annual fee each year if you take advantage of them.

  • Mediocre rewards rate

    While the card offers AAdvantage miles on every purchase, it only offers an accelerated rewards rate on eligible American Airlines purchases. Card members earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases & 1 AAdvantage® mile for every $1 spent on other purchases.

  • No intro APR

    The Citi® / AAdvantage® Executive World Elite Mastercard® doesn’t offer a 0% introductory APR on purchases. As such, if you carry a balance on your card from month to month, you’ll be subject to interest charges at an APR of 16.74% - 25.74% (variable).

Alternate premium travel card

Compare it to The Platinum Card® from American Express

| Disclosures
The Platinum Card® from American Express
The Platinum Card® from American Express
on American Express's secure site
Terms Apply
N/A
See Pay Over Time APR
$695
5X Membership Rewards® points on flights booked directly with airlines or with
  • Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. There are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
720 850

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If you want access to lucrative rewards and premium travel benefits, but prefer not to be tied to a specific airline, you may want to consider The Platinum Card® from American Express.

Cardholders earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. If you use your points to book a flight through American Express Travel, that’s a $1,000 value. You can also transfer your Membership Rewards points to a number of travel transfer partners — including Air France KLM, British Airways, Delta Air Lines and Marriott Bonvoy — mostly at a rate of 1:1.

Plus, The Platinum Card® from American Express offers 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.

The Platinum Card® from American Express does charge a considerably higher annual fee ($695) than the Citi® / AAdvantage® Executive World Elite Mastercard®. But it also offers more extensive benefits: Up to a $200 annual hotel credit on select prepaid hotel bookings with American Express Travel upon enrollment, up to a $200 airline fee credit upon enrollment, up to a $240 digital entertainment credit upon enrollment, up to a $179 Clear membership credit once enrolled, up to $200 in Uber Cash for rides or eats orders ($15 in Uber Cash for orders with Uber Eats or rides with Uber in the U.S. each month, plus a bonus $20 in December) in the U.S. upon enrollment and a Global Entry or TSA Precheck application fee credit.

In addition, cardholders also receive automatic Marriott Bonvoy Gold Elite status (enrollment required) and Hilton Honors Gold status (enrollment required), as well as complimentary access to more than 1,300 airport lounges through the Global Lounge Collection®, which encompasses the Centurion Lounge, International American Express lounges, Delta Sky Club® and Priority Pass™ Select lounges (enrollment required).

To see rates & fees for the Platinum Card® from American Express please click here.

Compare the Citi® / AAdvantage® Executive World Elite Mastercard® to similar cards

Comparison of four different credit cards
Citi® / AAdvantage® Executive World Elite Mastercard® The Platinum Card® from American Express Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Chase Sapphire Reserve®
Citi® / AAdvantage® Executive World Elite Mastercard® The Platinum Card® from American Express Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Chase Sapphire Reserve®
Read Review
Apply Now
on American Express's secure site
Terms Apply
Apply Now
on Citibank's secure site
Apply Now
on Chase's secure site
Annual Fee
$450 $695 $99, waived for first 12 months $550
Welcome Offer
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Rewards Rate
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases & 1 AAdvantage® mile for every $1 spent on other purchases 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply. Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®
Regular APR
16.74% - 25.74% (Variable) See Pay Over Time APR 16.74% - 25.74% (Variable) 17.24% - 24.24% Variable
Recommended Credit
excellent-good excellent-good excellent-good excellent
Card Details

Citi® / AAdvantage® Executive World Elite Mastercard®

The Platinum Card® from American Express

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Chase Sapphire Reserve®

To see rates & fees for the Platinum Card® from American Express please click here.

Is the Citi® / AAdvantage® Executive World Elite Mastercard® right for you?

If you’re an American Airlines loyalist who enjoys premium travel benefits, the Citi® / AAdvantage® Executive World Elite Mastercard® is a good option. Although the card has an expensive annual fee, the value you can get from the Admiral Club membership alone could more than cover that amount each year.

But if you want access to even more valuable benefits, without being limited to redeeming your miles with one airline, The Platinum Card® from American Express may be a better choice — however, you should be aware that this card also comes with a higher annual fee.

To see rates & fees for the Platinum Card® from American Express please click here.

The information related to the Citi® / AAdvantage® Executive World Elite Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.