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Apply online for Citi® / AAdvantage® Executive World Elite™ Mastercard®Sponsored card

Citi® / AAdvantage® Executive World Elite Mastercard® Review

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What Citi says about this card

Apply online for Citi® / AAdvantage® Executive World Elite™ Mastercard®Sponsored card
  • 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 guests traveling with you
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • 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
  • 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 17.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

By Brooklyn Lowery Site Editor  Updated Nov 6, 2019

Citi® / AAdvantage® Executive World Elite Mastercard®

Miles-earning ease and a long list of quality travel incentives make the Citi® / AAdvantage® Executive World Elite Mastercard® a great option for frequent American Airlines travelers (Citi is a CardRatings advertiser).

With much to be said about this premium card, let’s jump right in and talk about all the great perks the Citi® / AAdvantage® Executive World Elite Mastercard® has to offer.

Citi® / AAdvantage® Executive World Elite Mastercard®'s most notable features:

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first three months of opening your account.
  • 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases in a year. (Learn more about EQMs and how to earn and redeem AAdvantage® miles in our American Airlines AAdvantage® program guide.)
  • Free first checked bags for you and up to eight companions traveling on the same domestic itinerary.
  • Admirals Club® membership for you and access for guests traveling with you.
  • No foreign transaction fees on purchases.
  • Up to a $100 statement credit every five years to cover your Global Entry or TSA Pre✓® application fee.
  • Access to the Citi Price Rewind program.

CardRatings Editor's Analysis: Pros & Cons

  • Your first checked bag is free on domestic itineraries for you and up to eight traveling companions.
  • Wait for a delayed flight in comfort, thanks to complimentary access to Admiral's Club® lounges around the globe.
  • Earn bonus status miles (EQMs) each year after meeting an annual spending threshold.
  • Redeeming your points for flights does limit you to American Airlines and its partners. If you want more flexibility, you'll want to look elsewhere for a travel rewards card.

What Our Editors Like Most about the Citi® / AAdvantage® Executive World Elite Mastercard®

There’s a lot on the Citi® / AAdvantage® Executive World Elite Mastercard® most notable features list, and for good reason. There’s much to love about this card and the incentives it has to offer, especially for those who often find themselves flying with American Airlines or traveling with one of its numerous partners.

Let’s start with the bonus miles opportunity.

With the Citi® / AAdvantage® Executive World Elite Mastercard®, if you spend $5,000 in purchases within the first three months of opening the card, you’ll land yourself 50,000 American Airlines AAdvantage® bonus miles right from the start. To put things into perspective, 50,000 miles are plenty for some roundtrip domestic AAnytime® tickets, depending on the distance of your flight, or for a roundtrip AAnytime® flight to the Caribbean, Central America or Mexico. On an ongoing basis, you’ll earn two AAdvantage® miles for every $1 spent on eligible American Airlines purchases and one AAdvantage® mile for every $1 spent on everything else.

Or, if your plans are flexible, stretch your miles even more by taking advantage of MileSAAver flights – discounted routes that are occasionally available for as low as 7,500 miles each way.

With ongoing miles-earning of two miles per $1 spent with American Airlines on eligible purchases and one mile per $1 for all your other purchases, you can see miles accumulate quickly with regular card use.

Next, let’s talk about some of the perks you can enjoy once getting to the airport.

In addition to dedicated check-in areas, expedited airport screening lanes and early boarding privileges, as a Citi® / AAdvantage® Executive World Elite Mastercard® cardholder, you can enjoy the fact that your first checked bag is free for you and one for up to eight other people in your group if booked on the same domestic itinerary, saving you big money per flight.

Plus, when you become a card member, you receive a complimentary Admirals Club® membership which gains you, and up to two guests or your immediate family members, access to more than 50 airport lounges worldwide. With household membership prices averaging anywhere from $625 to $925 a year, this membership is a great incentive for those looking for a more comfortable way to travel and easily offsets the $450 annual fee you'll pay to carry the Citi® / AAdvantage® Executive World Elite Mastercard®.

International travelers will appreciate the savings that results from no foreign transaction fees when you pay with your card while traveling abroad.

Lastly, though not necessarily a travel perk, the Citi Price Rewind program is definitely worth a mention. With the Citi Price Rewind program, there is no need to worry if you’ve found the best deal on your purchase. If a purchase made with your Citi® / AAdvantage® Executive World Elite Mastercard® is found online for less than you paid within 60 days of your original purchase date, you can receive a refund of the difference, up to $200 per item and $1,000 per year.

Potential Downsides of the Citi® / AAdvantage® Executive World Elite Mastercard®

While there is a lot to love about the Citi® / AAdvantage® Executive World Elite Mastercard®, there is one big downside: the $450 annual fee.

Although there are a number of ways to compensate for this fee, it is still among the higher annual fees charged by a credit card. Because of this, if you aren’t sure that you’ll fly enough to take full advantage of the perks of this card, you might want to consider another travel rewards card that comes with a smaller fee. (We discuss a few comparison cards below).

Furthermore, $5,000 might be a hard number for some users to reach within just three months, making this card a more appropriate choice for moderate to big spenders, especially since it’ll take spending $40,000 each year on the card to earn those bonus 10,000 EQMs.

Top Features

Rewards Bonus Rewards Regular APR
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 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening 17.24% - 25.24% (Variable)

How the Citi® / AAdvantage® Executive World Elite Mastercard® Compares to Other Travel Rewards Cards

Citi® / AAdvantage® Executive World Elite Mastercard® vs. Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

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If you still want to gain a lot of rewards without that hefty $450 fee, but also want more flexibility in your airline choices, the Chase Sapphire Preferred® Card is a worthy and comparable card to consider.

With a 60,000-point welcome bonus after spending $4,000 in the first three months (worth up to $750 when redeemed through Chase Ultimate Rewards®), a low annual fee of $95, two points for travel and dining purchases, one point per $1 on everything else, and many travel protection benefits, the Chase Sapphire Preferred® Card is a practical credit card option, especially for those who don’t want to be limited to traveling with American Airlines or its partners.

The Chase Sapphire Preferred® Card gains you the freedom to fly with one of Chase’s many airline partners (United Airlines, British Airways and Southwest Airlines, to name a few).

And with the opportunity to earn two points per $1 spent at restaurants and on travel, you stand to earn rewards a bit more quickly with this card.

Is a comparison between the Citi® / AAdvantage® Executive World Elite Mastercard® and the Chase Sapphire Preferred® Card apples-to-apples? Each card will show a number of obvious benefits, it’s up to you to decide which perks make the most sense for your unique lifestyle, and whether you’ll spend enough or use enough of the perks with the American Airlines-specific card to offset that sizable annual fee.

Citi® / AAdvantage® Executive World Elite Mastercard® vs. Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Elite<sup>™</sup> Mastercard<sup>®</sup>

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(This card is not currently available on CardRatings)

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® welcome bonus is 50,000 American Airlines AAdvantage® bonus miles after you spend $2,500 on your card in the first three months – that's compared to the 50,000 you can earn with the Citi® / AAdvantage® Executive World Elite Mastercard® after spending $5,000 in three months. With an annual fee of $99, waived for first 12 months* and similar travel perks, it’s a viable option for those looking to gain some extra AAdvantage® miles without the $450 annual fee price tag or such a high spending threshold for the bonus.

With the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® earn two AAdvantage® miles for every $1 spent at gas stations, restaurants and on eligible American Airlines purchases. Plus, you'll enjoy your first checked bag free on domestic itineraries for you and up to four people traveling with you, and you can earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card. What you won't get is access to the Admirals Club®.

Citi® / AAdvantage® Executive World Elite Mastercard® vs. Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

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The Capital One® Venture® Rewards Credit Card is another travel rewards card that offers plenty of flexibility without the hefty annual fee to worry about offsetting each year – it's just $0 intro for first year; $95 after that.

With the Capital One® Venture® Rewards Credit Card, you'll earn two miles per $1 spent on every purchase, every day, so there aren't any categories to keep up with; it also means your everyday errands and purchases can do some heavy lifting when it comes to earning you miles toward your next travel purchase.

The welcome bonus of 50,000 miles after spending $3,000 within the first three months is equal to $500 in travel, so you can quickly realize the benefits of this card. And there are no blackout dates or travel restrictions when it comes time to redeem your rewards.

You won't enjoy some of the travel perks – free checked bags or lounge access, for instance – that the Citi® / AAdvantage® Executive World Elite Mastercard® offers, but you also won't have to worry about offsetting a $450 annual fee.

Who Should Get the Citi® / AAdvantage® Executive World Elite Mastercard®

Because of the high level of spending required to receive bonuses, and because of the steep $450 annual fee, Citi® / AAdvantage® Executive World Elite Mastercard® makes the most sense for big spenders who value convenience and comfort while traveling, and who are loyal to American Airlines and its partners.

Citi® / AAdvantage® Executive World Elite Mastercard® compared to other airline cards

Card Name
Rewards
Bonus Rewards
Regular APR
Ratings/Apply
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 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
17.24% - 25.24% (Variable)
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Earn 1 AAdvantage® mile per $1 spent on other purchases.
Earn 70,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
17.24% - 25.24% (Variable) 
Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL. Earn 2 Avios per $1 spent on hotel accommodations, plus 1 Avios per $1 spent on all other purchases.
Earn up to 100,000 bonus Avios. Earn 50,000 bonus Avios after you spend $3,000 on purchases within the first 3 months from account opening. Plus earn an additional 50,000 bonus Avios after you spend $20,000 on your purchases within your first year of account opening.
17.49% - 24.49% Variable 
Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
Limited time offer! Earn up to 65,000 Bonus Miles. 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus earn an additional 25,000 bonus miles after you spend $10,000 total on purchases in the first 6 months your account is open.
17.99% - 24.99% Variable 
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.
17.49% - 25.49% (Variable) 

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