Citi® / AAdvantage® Executive World Elite Mastercard® Review

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The Citi® / AAdvantage® Executive World Elite Mastercard® is the premium American Airlines co-branded card that includes Admirals Club lounge access and the ability to earn Elite Qualifying Miles if you spend enough on the card. Here are the full details.

  • 50,000 American Airlines bonus miles after $5,000 in purchases within the first 3 months
  • Admirals Club® membership for you and access for guests traveling with you. Authorized users of your card get access as well.
  • Priority check-in, priority airport screening (where available) and boarding privileges for you and up to eight travel companions on the same reservation.
  • First checked bag free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation.
  • 10,000 AAdvantage Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year.
  • No foreign transaction fees.
  • 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage mile for every $1 spent on other purchases
  • Up to $100 statement credit every 5 years as reimbursement for your application fee for Global Entry or TSA PreCheck.
  • Earn 1 Loyalty Point for every 1 eligible mile earned from purchases/
  • The standard variable APR for Citi Flex Plan is 16.24% – 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • $450 annual fee.

Note the following fine print:

American Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a Citi® / AAdvantage® Executive account in the past 48 months.

As mentioned, this is the highest level Citi/American Airlines card. The 50,000 miles are nice and can be converted to hundreds of dollars (or more) worth of airfare. $100 for TSA PreCheck or Global Entry is nice. The reason for the $450 annual fee is the Admirals Club lounge membership and the opportunity to earn Elite Qualifying Miles towards status.

Admirals Club lounge membership value and details. Admirals Club membership usually costs $550+ a year on its own, and this is now the only card that gives it to you as a complimentary feature. Here’s the full cost chart:

This membership allows both you and your immediate family (or up to two traveling guests that accompany you) to access over 50 Admirals Club locations worldwide. Your immediate family includes spouse, domestic partner and/or children under 18 years of age. You don’t even need to be on an American Airlines flight! You can even give your spouse or trusted friend/family an authorized user card and they’ll get lounge access too, even while traveling separately from you. (Authorized user cards have no additional fee.)

You can be flying on any airline, and if that airport has an Admirals Club you and your family can go inside. Lounge access might save you money on certain things like comfortable seats, free food/drink, WiFi, and sometimes hot showers. Mostly it just makes the overall flying experience more pleasant. I’ve been to Admiral’s Clubs with special kids rooms; perfect for families during delays or layovers.

American Airlines elite qualifying miles. I’ve given up status chasing for the time being, but if you’re an elite on American, you probably already know the value of accumulating these type of miles. Very few credit cards generates these types of elite qualifying miles nowadays based on your spending. 10,000 elite qualifying flight miles is like going from Honolulu to Los Angeles, roundtrip, twice.

Bottom line. Bonus miles are always nice, but this card is mostly about the Admiral Club lounge access and the help in achieving/maintaining elite status on American. If you don’t fly on American enough to value these perks, I would consider the Citi® AAdvantage® Platinum Select® World Elite Mastercard instead.

My Money Blog has partnered with CardRatings and Credit-Land for selected credit cards, and may receive a commission from card issuers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

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