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

Pros & Cons

  • Your first checked bag is free on domestic itineraries.
  • Wait for a delayed flight in comfort, thanks to complimentary access to Admiral's Club® lounges around the globe.
  • Travel protection means you don't have to worry about unforeseen circumstances causing you to cancel a trip.
  • 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.

Top Features

Rewards
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines and purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
Bonus Rewards
50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
Purchase APR
16.74% - 24.74%* (Variable)
Annual Fee
$450

Full Review

Brooklyn Lowery Site Editor

Citi® / AAdvantage® Executive World Elite™ Mastercard® Essentials

Point-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:

  • Receive 50,000 American Airlines AAdvantage® miles after spending $5,000 in the first three months.
  • 10,000 bonus AAdvantage® Elite Qualifying Miles (EQMs) when you spend $40,000 annually.
  • Free checked bags for you and up to eight companions traveling on the same domestic itinerary.
  • Admirals Club® membership.
  • Trip cancelation and interruption protection.
  • Lost baggage protection.
  • No foreign transaction fees.
  • Worldwide travel accident insurance.
  • Worldwide car rental insurance.
  • Citi Price Rewind program.

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 partners.

Let’s start with the bonus mile signup reward...

With the Citi® / AAdvantage® Executive World Elite™ Mastercard®, not only will you earn two AAdvantage® miles for every dollar spent on American Airlines purchases and one AAdvantage® mile for every dollar spent on everything else, if you spend $5,000 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 a few roundtrip domestic AAnytime® tickets, depending on the distance of your flight, or for a roundtrip AAnytime® flight to the Caribbean, Central America or Mexico.

Or, if your plans are flexible, stretch your points 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 dollar spent with American Airlines and one mile per dollar for all your other eligible 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 one free checked bag for you and one for up to eight people in your group if booked on the same domestic itinerary, saving you up to $200 per flight.

Plus, when you become a cardmember, 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®.

Let’s move on to the trip protection and travel insurance plans. 

We all know that certain unforeseen events can get in the way of your trip, but with trip cancellation and interruption protection, you can rest easy if plans go awry. Citi® / AAdvantage® Executive World Elite™ Mastercard® members who use their card to pay for their trip may be reimbursed for non-refundable trip expenses in these situations, a great benefit for those who get trip planning anxiety. Plus, if your checked bag or carry-on luggage is lost, stolen or damaged, qualifying expenses will be covered thanks to the lost baggage protection plan.

Similarly, international travelers will appreciate no foreign transaction fees, as well as more comfort and security abroad thanks to the included, worldwide travel insurance and worldwide car rental insurance plans. There to protect you if the worst happens while on your trip, these plans exist to help you travel with more peace of mind.

Lastly, though not necessarily a travel perk, the Citi Price Reward program is definitely worth a mention.

With the Citi Price Reward 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 $500 per item and $2,500 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 another $35,000 to reach the extra 10,000-point EQM bonus.

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

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

For a limited time, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® signup bonus is 60,000 miles as compared to the 50,000 you can earn with the Citi® / AAdvantage® Executive World Elite™ Mastercard®, and you only have to spend $3,000 in the first three months to get it. Furthermore, with a $95 annual fee (waived the first year), 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.

With the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® you'll still earn two miles per every dollar spent with American Airlines and one mile for all your other purchases, and you'll also enjoy your first checked bag free on domestic itineraries. What you won't get is access to the Admirals Club®.  

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

If you still want to gain a lot of points 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 50,000 point signup bonus after spending $4,000 in the first three months, a low annual fee of $95 (waived the first year), two points for travel and dining purchases, one point per dollar on everything else, and many of the same travel protection benefits you’d receive with the Citi® / AAdvantage® Executive World Elite™ Mastercard®, 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. 

Not only does the Chase Sapphire Preferred® Card gain you the freedom to fly with one of Chase’s many airline partners (United Airlines, British Airways and Southwest Airlines, to name a few), it also allows you the opportunity for more point bonuses, such as earning an extra 5,000 points when your first added authorized user makes a purchase within the first three months of you opening your account. 

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

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 just up to you to decide which perks make the most sense for your unique lifestyle.

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

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 only $95, which is waived for the first year.

With the Capital One® Venture® Rewards Credit Card, you'll earn two points 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 points toward your next travel purchase.

The signup 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 this Card?

Because of the high level of spending required to receive bonuses, and because of the steep $450 annual fee, the 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 the American Airlines and its partners.

This page was last updated on December 06, 2017

This card compared to other travel rewards cards

Rewards
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines and purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply
Bonus Rewards
50,000 American Airlines AAdvantage® bonus miles after spending $5,000 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. That's $625 toward travel when you redeem through Chase Ultimate Rewards(R)
25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
Purchase APR
16.74% - 24.74%* (Variable)
16.99% - 23.99% Variable 
N/A 
Annual Fee
$450
$0 Intro for the First Year. Then $95
Introductory annual fee of $0 for the first year, then $195.
Rates and Fees
CardRatings.com Editorial Staff

Citi® / AAdvantage® Executive World Elite™ Mastercard® details

Balance Transfer Intro APR
N/A
Balance Transfer Intro Period
N/A
Purchase Intro
APR:
N/A
Purchase APR
16.74% - 24.74%* (Variable)
Annual Fee
$450

What Citi says about this 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 guests 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 eight companions traveling with you on the same reservation*

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Highlighted offers
Currently available on the Citi® / AAdvantage® Executive World Elite™ Mastercard®
50,000 American Airlines AAdvantage® bonus miles
After spending $5,000 in purchases within the first 3 months of account opening*

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Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good
Apply online for Premier Rewards Gold Card from American Express

Premier Rewards Gold Card from American Express

  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 a calendar year for baggage fees at one airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good