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Citi

Citi® / AAdvantage® Executive card

TravelAirlineNo Foreign Transaction Fees

Key Features

Regular APR
Variable APR1 % - % on purchases and balance transfers based on your creditworthiness
Variable APR for purchases, balance transfers, and Citi Flex Plans subject to an APR: % - %, based on creditworthiness.
Cash advance variable APR %.
Variable Penalty APR up to %.
Other Fees
Fee for Foreign Purchases - None.
Cash advance fee: % of each advance ($ minimum).
Balance transfer fee: % of each transfer ($ minimum).
Minimum interest charge $.
Citi Flex Pay subject to Plan Fee: monthly fee up to % applies, based on Plan duration, APR that would otherwise apply to Transaction, & other factors.
Annual fee for Authorized Users: $ for up to Authorized Users and $ for each Authorized User thereafter.
Add up to 3 Authorized Users to your card for an annual fee of $175, then $175 annually1 for each additional user, and earn miles on their purchases.2
NetworkMastercard
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Best for those with
Very Good Credit

About this card

The Citi® / AAdvantage® Executive card is a mixed bag. Its strengths lie in its airline-specific rewards and travel perks, particularly for loyal American Airlines customers. The Admirals Club membership, statement credits, and free checked bag offer substantial value. However, the high APR, various fees (especially the authorized user fee), and standard rewards rate on non-airline purchases significantly detract from its appeal. The high APR is not ideal, the value proposition depends heavily on maximizing the AAdvantage benefits, and the fees drag down the overall score. It's suitable for a niche audience but not a broadly appealing card.

2.7
Overall Rating

Pros & Cons

What's great

  • Generous airline rewards
  • Lounge membership
  • Statement credits on various purchases
  • First checked bag free
  • No foreign transaction fees
  • Loyalty points bonuses

Things to consider

  • High regular APR
  • Balance transfer fee
  • Cash advance fee
  • Annual fee for authorized users

What this card offers

Sign-up bonuses

  • Earn AAdvantage® bonus miles after $ in purchases in the first 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)
  • With annual membership, primary cardmembers (and up to 2 guests) can enjoy access to more than 100 Admirals Club® lounges and partner lounges worldwide.2
  • 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 Fees1
  • 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.2
  • Add Authorized Users
  • Add up to 3 Authorized Users to your card for an annual fee of $175, then $175 annually1 for each additional user, and earn miles on their purchases.2
  • Travel protection benefits
  • Help stay protected with travel insurances, including Trip Delay Protection, Common Carrier Trip Cancellation and Interruption Protection, Lost or Damaged Luggage and MasterRental Coverage (car rental insurance).2
  • 25% savings on inflight food and beverage purchases2
  • No limit on the amount of miles you can earn
  • There is no maximum number of American Airlines AAdvantage® miles that you can accumulate with your card.
  • Citi® Quick Lock
  • Misplaced your card? Use Citi® Quick Lock in the Citi Mobile® App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
  • 24-hour fraud protection
  • Citi will alert you if we see unusual activity on your account.
  • Mastercard® ID Theft Protection
  • The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
  • Chip-based card technology
  • Chip card technology keeps the same card number but provides you with security and global acceptance.
  • Automatic account alerts
  • Stay updated on balance, payments and credit limits via email or text.
  • Choose your payment due date
  • Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
  • Paperless statements and e-communications
  • Reduce clutter and get your statements and most legal notices online instead of in the mail.
  • 24/7 Customer Service
  • Questions about your Citi® card account? Just call the number on the back of your credit card. Just say "representative" to access fast, live help from a friendly Customer Service representative ready to help with virtually every aspect of your cardmembership (including technical assistance) — 24 hours a day, 365 days a year.
  • Citi Mobile® App
  • Manage your money when you want, where you want and the way you want. It's how Citi digital services help you get the most out of your time and money.
  • Contactless pay
  • Shop safely with a contactless, chip-enabled card. Just tap your card on the payment reader and go in seconds.
  • Digital wallets
  • Digital wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets, you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.
  • Access FICO® Score
  • Receive free access to your FICO® Score online to review your credit history.
  • Citi Entertainment®
  • Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences. To learn more, visit citientertainment.com.
  • Citi® Flex Pay
  • Buy now, pay later with Citi® Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.2
  • No foreign transaction fees1
  • Shop like a local wherever your travels take you.1

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 cards are offered. American Airlines AAdvantage® new cardmember bonus offer not available if you have received a new account bonus for or converted another Citi credit card account to a Citi® / AAdvantage® Executive account in the past 48 months.

Ratings

3.5
3.5
1.5
1.5
1.8