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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
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
Regular APR
17.99% - 25.99%* Variable
Annual Fee
$450

Full Review

Brooklyn Lowery Site Editor

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.*
  • 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.*
  • Trip cancellation and interruption protection.
  • Lost baggage protection.
  • No foreign transaction fees on purchases.*
  • Worldwide travel accident insurance.
  • Worldwide car rental insurance.
  • Access to the 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 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®.

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 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.

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®

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

Learn More

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* as compared to the 50,000 you can earn with the Citi® / AAdvantage® Executive World Elite Mastercard® but with double the spending threshold. 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.

With the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® earn 2 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 earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card.* What you won't get is access to the Admirals Club®.

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 50,000-point welcome bonus after spending $4,000 in the first three months, a low annual fee of $95, two points for travel and dining purchases, one point per $1 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.

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 sizeable annual fee.

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 the American Airlines and its partners.

This page was last updated on January 24, 2019

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*
Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
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
Bonus Rewards
Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
Regular APR
17.99% - 25.99%* Variable
18.24% - 25.24% Variable 
18.24% - 25.24% Variable 
Annual Fee
$450
$95
$95
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
Regular APR
17.99% - 25.99%* 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 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*

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Highlighted offers
Currently available on the Citi® / AAdvantage® Executive World Elite Mastercard®
Earn 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 The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

  • Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Credit Needed:
Excellent, Good
Apply online for United℠ Explorer Card

United℠ Explorer Card

  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✔® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Credit Needed:
Excellent, Good