Citi
Citi® / AAdvantage® Executive card
Key Features
| Annual Fee | $595.00 |
| Sign-up Bonus | 70,000 AAdvantage bonus miles |
| Rewards Rate | 1x-10x AAdvantage miles |
| Regular APR | Variable APR for purchases, balance transfers, and Citi Flex Plans subject to an APR: 19.49% - 29.49%, based on creditworthiness. Cash advance variable APR 29.74%. Variable Penalty APR up to 29.99%. |
| Other Fees | Balance transfer fee Either $5 or 5% of the amount of each transfer, whichever is greater Minimum interest charge $0.50. Fee for Foreign Purchases - None. Cash advance fee: 5% of each advance ($10 minimum). Citi Flex Pay subject to Plan Fee: monthly fee up to 1.72% applies, based on Plan duration, APR that would otherwise apply to Transaction, & other factors. Annual fee for Authorized Users: $175 for up to 3 Authorized Users and $175 for each Authorized User thereafter. |
| Network | Mastercard |
About this card
The Citi® / AAdvantage® Executive card is a niche product that provides significant value to frequent American Airlines flyers who can maximize its benefits, particularly the Admirals Club membership and earning of loyalty points. The high annual fee is a major consideration, making it less attractive to casual travelers or those not loyal to American Airlines. The rewards structure is heavily weighted toward AA purchases, and the APR is high. While it has strong travel-related perks and benefits, the high cost and limited appeal to a broader audience bring down its overall rating to a 'Good' level. The card's reputation is very strong within its niche, further bolstering this rating.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate for airline purchases and related travel
- Lounge membership
- No foreign transaction fees
- Valuable travel and lifestyle credits
- Airline-specific benefits
Things to consider
- High annual fee
- High regular APR
- No intro APR period
- High balance transfer fee
- High cash advance fee
What this card offers
Sign-up bonuses
- Earn 70,000 AAdvantage® bonus miles after $7,000 in purchases in the first 3 months2
Rewards
- Earn 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- After you spend $150,000 in purchases in a calendar year, earn a total of 5 AAdvantage® miles for every $1 spent on eligible American Airlines purchases for the remainder of the year2
- Earn 10 AAdvantage® miles for every $1 spent on eligible AAdvantage HotelsTM bookings and eligible AAdvantage CarsTM bookings2
- Earn 1 AAdvantage® mile for every $1 spent on all other purchases2
Other features
- Admirals Club® membership (up to $850 in value)
- Up to $120 back on eligible prepaid Avis® and Budget car rentals
- Up to $120 in Lyft credits
- Up to $120 back on eligible Grubhub purchases
- Additionally, up to $120 Global Entry® or TSA PreCheck®Application Fee Credit
- First checked bag free on domestic American Airlines itineraries2
- No Foreign Transaction Fees
- Loyalty Points bonuses
- Add Authorized Users
- Travel protection benefits
- 25% savings on inflight food and beverage purchases2
- No limit on the amount of miles you can earn
- Citi® Quick Lock
- 24-hour fraud protection
- Mastercard® ID Theft Protection
- Chip-based card technology
- Automatic account alerts
- Choose your payment due date
- Paperless statements and e-communications
- 24/7 Customer Service
- Citi Mobile® App
- Contactless pay
- Digital wallets
- Access FICO® Score
- Citi Entertainment®
- Citi® Flex Pay
Additional Notes
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. American Airlines AAdvantage® new cardmember bonus offer not available if you have received a new account bonus for a Citi® / AAdvantage® Executive account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi® / AAdvantage® Executive® account.