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 | Annual fee for Authorized Users: $175 for up to 3 Authorized Users and $175 for each Authorized User thereafter. Balance transfer fee: 5% of each transfer ($5 minimum). Cash advance fee: 5% of each advance ($10 minimum). Fee for Foreign Purchases - None. Minimum interest charge $0.50. 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. |
| 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 on American Airlines purchases
- No foreign transaction fees
- Lounge membership
- Statement credits for certain travel and food purchases
- First checked bag free
Things to consider
- High annual fee
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- Earn 70,000 AAdvantage® bonus miles after $7,000 in purchases in the first 3 months
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 year
- Earn 10 AAdvantage® miles for every $1 spent on eligible AAdvantage HotelsTM bookings and eligible AAdvantage CarsTM bookings
- Earn 1 AAdvantage® mile for every $1 spent on all other purchases
Other features
- Admirals Club® membership (up to $850 in value)
- With annual membership, primary cardmembers (and up to 2 guests) can enjoy access to more than 100 Admirals Club® lounges and partner lounges worldwide.
- 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
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases to reach AAdvantage® status faster
- First checked bag free on domestic American Airlines itineraries
- No Foreign Transaction Fees
- Loyalty Points bonuses: Earn a 10,000 Loyalty Point bonus after reaching 50,000 Loyalty Points in a status qualification year. Earn another 10,000 Loyalty Point bonus after reaching 90,000 Loyalty Points in the same status qualification year.
- Add Authorized Users to your card for an annual fee of $175, then $175 annually for each additional user, and earn miles on their purchases.
- Travel protection benefits including Trip Delay Protection, Common Carrier Trip Cancellation and Interruption Protection, Lost or Damaged Luggage and MasterRental Coverage (car rental insurance)
- 25% savings on inflight food and beverage purchases
- 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. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.