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citi

Citi® / AAdvantage® Executive World Elite Mastercard®

Credit needed
Excellent, Good
APR
15.99% - 24.99%
Annual Fee
$450

Card Summary

Citi is an advertising partner. Citi / AAdvantage Executive World Elite Mastercard, a co-branded airline credit card for frequent American Airlines passengers is the Citi / AAdvantage Executive World Elite Mastercard.

This card allows you to earn 2 miles for American Airlines eligible purchases, and 1 mile for any other purchases. After spending $5,000 within 3 months, you'll earn 50,000 bonus points.

Admirals Club Membership with access to airport lounges, priority check in and early board are some of the airline perks. World Elite Mastercard benefits include upgrades, early checkout and daily breakfast.

Citi / AAdvantage Executive World Elite Mastercard Review: The card may be a great fit for frequent American Airlines passengers who want to enjoy the card's perks, but don't mind paying $450 annually.

This card might not suit everyone, especially those who are not accustomed to paying fees or don't fly often with American Airlines.

Card Summary - Cons

Rates and fees

Issuer Name
Citi
Penalty APR
Variable: Up to 29.99%
Credit Needed
Excellent, Good
Balance Transfer Fee
Maximum of $5 for each balance transfer.
Annual Fee
$450
Cash Advance Fee
Cash advances are subject to a 5% cash advance fee; minimum $10.
APR
15.99% - 24.99%
Foreign Transaction Fee
0%

Highlights

After spending $5,000 within 3 months, you will earn 50,000 American Airlines Bonus Miles Admirals Club, membership to you, and up to 2 guests (or immediate family members) traveling with you.

Purchases are exempt from foreign transaction fees. For every $1 you spend on American Airlines eligible purchases, earn 2 AAdvantage miles and for each $1 that is spent on any other purchase.

Your first checked bag and 8 of your companions are free when you fly domestically with American Airlines.Based on creditworthiness, the standard variable APR of Citi Flex Plan is between 15.99% and 24.99%. Citi Flex Plan offers may be made at Citi's sole discretion.

Comparative Analysis with Other Cards

Citi / AAdvantage Executive World Elite Mastercard vs. United Club Infinite Card

Annual Fee: Citi / AAdvantage Executive World Elite Mastercard charges $450 annually, while the United Club Infinite Card requires $525.

Reward: Citi / AAdvantage Executive World Elite Mastercard offers 2 miles for every dollar spent on eligible American Airlines flights and 1 mile for all purchases. United Club Infinite Card offers 4 miles for every dollar spent on United Airlines, 2 miles on travel to other destinations, such as hotels and trains, and 2 miles on any other travel. It also earns 2 miles on cruise and train tickets, 2 miles on meals at restaurants, and 1 mile on all other purchases.

Sign up bonus: After spending $5,000 within 3 months, the Citi / AAdvantage Executive World Elite Mastercard will award you 50,000 bonus miles. After you have spent $5,000 in purchases within the first 3 months of account opening, the United Club Infinite Card will give you 100,000 bonus miles.

Benefits: Citi / AAdvantage Executive World Elite Mastercard offers an Admirals Club Membership, a Global Entry credit or TSA pre-check fee credit, concierge service and a 25% discount for in-flight meals and beverages.
United Club Infinite Card provides a United Club Membership, upgrade and perks at resorts and hotels, trip cancellation insurance and extended warranty coverage.

Citi / AAdvantage Executive World Elite Mastercard vs. Southwest Rapid Rewards Credit Card

Annual Fee: Citi / AAdvantage Executive World Elite Mastercard charges $450 annually, while the Southwest Rapid Rewards Premium Credit Card costs $99.

Reward: Citi / AAdvantage Executive World Elite Mastercard earns two miles per dollar for eligible American Airlines flights and one mile per dollar for all other purchases. Three points per dollar earned by the Southwest Rapid Rewards Premier Credit Card, which earns two points for local transit, commuting and rideshare as well as two points for commute, two on local transit, and two on commuting.
Two points are also available on Southwest flights, along with two points for internet, cable and phone services.

Sign up bonus: Cardholders who spend $5,000 within the first three months after opening an account with Citi / AAdvantage Executive World Elite Mastercard will earn 50,000 bonus miles. After spending $1,000 in purchases within the first three months of opening an account, you earn 50,000 bonus points with Southwest Rapid Rewards Premier Credit Cards.

Benefits: Citi / AAdvantage Executive World Elite Mastercard offers an Admirals Club Membership, a Global Entry credit or TSA pre-check fee credit, priority check-in when you fly with American Airlines. Cardholders can also get a free first checked bag on all domestic American Airlines flights for up to 8 traveling companions.

Southwest Rapid Rewards Premier Credit Card offers a first and second free checked bag, 6,000 bonus point after every cardholder's anniversary, baggage reimbursement and baggage delay insurance.

Conclusion

Do You Need the Citi / AAdvantage Elite Mastercard to Get?

If you are: American Airlines is a frequent flyer. You can earn miles or use perks to help offset your $450 annual fees.

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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