Citi® / AAdvantage® Executive World Elite™ Mastercard®
Fees & APRs
Fees and APRs will vary, always be sure to check with the card issuer.
Dive into the geeky details and see how you reap the benefits.
- 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
- Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other 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
Read through our extensive research on the Citi® / AAdvantage® Executive World Elite™ Mastercard® and see if its the best credit card for you.
The Citi Executive Card’s biggest shortcoming is its sky-high annual fee, at $450. The card’s solid initial bonus and modest ongoing rewards should provide enough value for people who travel often to at least break even. But with the best travel rewards credit cards currently offering well over $1,000 in rewards value after annual fees for just a couple years of use, you also have to consider what you might be missing out on by applying for the Citi AAdvantage Executive Mastercard.
Below, you can find a rundown of the most important factors to consider in regard to the AAdvantage Executive Card.
Citi AAdvantage Executive World Elite Mastercard Review Highlights:
- It’s all about the Admiral’s Club. If you don’t factor in the value of Admiral’s Club membership, which costs at least $400 when purchased independently, the Citi AAdvantage Executive World Elite Mastercard would yield the average person about $460 in net value over the first two years of use, according to WalletHub’s calculations. So how good (or bad) this card will be ultimately depends on how much time you realistically expect to spend in Admiral’s Club lounges.
- One of the highest annual fees. The Citi AAdvantage Executive Card’s whopping $450 annual fee makes it one of the several most expensive credit cards in WalletHub’s database of 1,000+ offers. For context, the Citi Executive Card’s annual fee is roughly 23 times higher than what the average credit card charges. So you really need to think long and hard about how easy it will be to get your money’s worth.
- Large initial bonus. One of the AAdvantage Executive Card’s biggest draws is its 50,000-mile initial bonus. But you have to spend at least $5,000 within three months of account opening to qualify.
- Pedestrian ongoing rewards. The AAdvantage Executive Card gives you just 2 miles for every $1 in American Airlines purchases that you make and only 1 mile per $1 spent on everything else. AAdvantage miles are worth roughly $0.0118 apiece, according to WalletHub research, which means you’ll be earning the equivalent of 2.36% and 1.18% “cash” back. That’s fine, but it’s certainly nothing special. The average cash rewards card gives you 1.07% back on all purchases. Besides, there are several other American Airlines credit cards with ongoing rewards that are at least as good.
- No foreign transaction fees. The average credit card offer has a 1.46% foreign fee. But if you want a travel rewards credit card with no foreign fee, you certainly don’t have to pay hundreds of dollars in annual membership charges to get it.
- Top-tier credit requirement. If you don’t have excellent credit, you’re unlikely to qualify for the Citi AAdvantage Executive World Elite Mastercard. And since that pretty much rules out more than two-thirds of all potential applicants, you should definitely make sure to check your credit score for free on WalletHub before you apply (if you apply, that is).
- Above-average APR. You can do better than the Citi AAdvantage Executive Card if you’re planning to carry a balance from month to month. It does not offer 0% intro rates, and its regular APR is above-average for a card that requires excellent credit.
Spend some time reviewing the last details on the Citi® / AAdvantage® Executive World Elite™ Mastercard®.
- Max Late Fee $40
- Max Overlimitfee None
- Max Penalty Apr 29.99% (V)
- Grace Period 23 days
- Online Response No
- Cash Advanceapr 25.24% (V)
- Cash Advancefee 5% (min $10)
- Foreigntransaction Fee 0%
- Smart Chip Yes, chip-and-signature
- No Foreign Transaction Fees on purchases
- The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.