Pros & Cons

Pros

  • +Welcome Bonus: 70,000 miles
  • +Up to 4x on American Airlines flights
  • +Lounge access included

Cons

  • High annual fee ($695/yr)

Our Review

Unlock Elite Perks with the Citi® / AAdvantage® Executive World Elite Mastercard®

  • 70,000 bonus miles after $7,000 in purchases within 3 months
  • 4X miles on eligible American Airlines purchases (fares, bags, in‑flight)
  • 10X miles on hotels & car rentals booked through American Airlines
  • 1X mile on all other spending
  • Complimentary Admirals Club® membership for you + immediate family or up to two guests
  • Free first checked bag for you and up to eight companions
  • 25% back on in‑flight purchases as a statement credit
  • TSA PreCheck®/Global Entry® credit up to $120 every four years
  • No foreign transaction fees
  • $595 annual fee

Designed for frequent flyers, this premium card transforms every trip into a suite of VIP privileges. Earn accelerated miles on flights, hotels and rentals while enjoying unlimited lounge access and priority boarding. Knock checked‑bag fees off your list and get rewarded for onboard purchases. Plus, breeze through security with your application fee reimbursed and travel with confidence thanks to comprehensive trip protections. Manage your account and view your rewards seamlessly in the Citi Mobile® app.

Terms apply. Welcome bonus, earning rates, credits and protections require qualifying purchases and enrollment where applicable. See issuer for full details.

Rewards

All Spending

1x

AAdvantage pts per dollar

American Airlines flights

4x

AAdvantage pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants1x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

30,000

AAdvantage/yr

Estimated Value

$300

After Fees

$-395

1st Year Value

$305

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1x
Total points earned30,000 pts
Value of points accumulated in the first year$300

Annual benefits

  • $500
  • $100
  • $120
  • $180
  • $120
Total benefits$0

Perks & Benefits

Airport lounge access

Admirals ClubUnlimited (Adhésion complète incluse.)

NEXUS membership

Included

Luggage credit

Included

AA Vacations credit

$500

Inflight & Admirals Club purchase credit

$100

Grubhub credit

$120

Lyft credit

$180

Avis / Budget credit

$120

Additional Benefits

Admirals Club® membership: membership includes unlimited visits for you (and up to 2 guests or immediate members) to more than 100 Admirals Club® lounges and partner lounges worldwide. Omni Hotels Champion Status: primary cardmembers are eligible to enroll in Omni Hotels and Resorts Champion Status and enjoy perks such as early check-in, late check-out, and room upgrades (subject to availability). No foreign transaction fees. Travel protection benefits including trip delay, trip cancellation and interruption protection, lost luggage and car rental coverage. Up to $500 back on eligible American Airlines Vacations℠ purchases. Up to $180 in Lyft credits. Up to $120 back on eligible prepaid Avis® and Budget car rentals. Up to $100 back on inflight and eligible Admirals Club® purchases. Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit. Lounge access: American Airlines Admirals Club®. First checked bag free on domestic American Airlines itineraries.

Travel Insurance

Trip Cancellation

Up to $5,000

Trip Interruption

Up to $5,000

Lost Baggage

Up to $3,000

Flight Delay

Up to $500

Purchase Protection

Purchase Protection

Up to $10,000 / 90 days

Extended Warranty

+2 years

Auto Rental Collision

Up to $75,000 / 31 days

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $695

Terms & Conditions

Card Features

  • For a limited time, earn 100,000 American Airlines AAdvantage bonus miles after spending $10,000 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 1 Loyalty Point for every 1 eligible AAdvantage 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

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Citibank. All trademarks are property of their respective owners.