Review
Citi® / AAdvantage® Executive Card Review: Admirals Club Access and Loyalty Perks
Frequent American Airlines flyers, rejoice! The Citi® / AAdvantage® Executive Card offers Admirals Club access and a slew of perks that can easily offset the annual fee, making it a must-have for loyalists.
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...