Review
Citi® / AAdvantage® Executive card Review: Admirals Club Access for American Loyalists
Frequent American Airlines flyers, rejoice! The Citi® / AAdvantage® Executive card offers Admirals Club access and a slew of travel perks, but is it worth the hefty annual fee? Find out in our comprehensive review.
| 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 %. |
| Rewards Rate | 1x-5x AAdvantage® miles |
| Sign-up Bonus | AAdvantage® bonus miles |
| 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 |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...