The Citi® / AAdvantage® Executive World Elite Mastercard® epitomizes luxury and convenience for frequent travelers and airline enthusiasts alike. Boasting an impressive array of travel benefits and rewards, this card stands out as a premier choice among credit cards tailored for those who prioritize exclusive airport experiences and extensive mileage rewards.

With complimentary access to Admirals Club® lounges worldwide, generous bonus miles, and elite travel perks, the Citi® / AAdvantage® Executive card offers much more than just financial convenience—it’s a gateway to elevated travel experiences and unparalleled service.

Key information about the Citi® / AAdvantage® Executive World Elite Mastercard card

The Citi® / AAdvantage® Executive World Elite Mastercard® provides an extensive range of benefits tailored for frequent flyers and luxury travelers. Key features include a limited-time offer of 100,000 American Airlines AAdvantage® bonus miles after spending $10,000 within the first 3 months of account opening, alongside an annual fee of $595.

Cardholders enjoy exclusive access to Admirals Club® lounges worldwide, priority check-in, screening, and boarding with American Airlines, and a statement credit for Global Entry or TSA PreCheck® application fees every 4 years. Additionally, the card earns 10 AAdvantage® miles per $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile per $1 on all other purchases, making it a powerful tool for accruing airline miles and enjoying elevated travel experiences.

How does the annual fee work?

The annual fee for the Citi® / AAdvantage® Executive World Elite Mastercard® is $595. This fee is charged once a year to the cardholder’s account and provides access to a range of exclusive benefits, including complimentary Admirals Club® membership, enhanced airport experiences, and travel protections.

The fee is not waived in the first year and is billed annually on the card anniversary date. It is important for cardholders to consider the value of the benefits provided against the cost of the annual fee to determine if the card aligns with their travel and financial needs.

How is the credit limit determined?

For the Citi® / AAdvantage® Executive World Elite Mastercard®, the determination of the credit limit typically depends on several factors, including the applicant’s creditworthiness, income level, existing debts, and credit history. Citi evaluates these factors when processing the application.

Generally, for cards like the Citi® / AAdvantage® Executive, which cater to high-net-worth individuals and frequent travelers, credit limits can be higher compared to standard credit cards. However, the exact credit limit granted to each applicant is determined by Citi’s underwriting criteria, which may also consider the specific financial circumstances and credit profile of the individual applicant.

Credit card benefits 

• Admirals Club® membership: Enjoy complimentary access to Admirals Club® lounges worldwide, offering comfort and convenience during travels.
• Generous bonus miles: Limited-time offer of 100,000 American Airlines AAdvantage® bonus miles after spending $10,000 within the first 3 months of account opening.
• Enhanced Airport experience: Priority check-in, screening, and boarding when flying with American Airlines, ensuring convenience and efficiency.
• Global entry or TSA PreCheck® Fee Credit: Receive up to $100 reimbursement every 4 years for the Global Entry or TSA PreCheck® application fee, expediting airport security processes.
• Accelerated AAdvantage® miles: Earn 10 AAdvantage® miles per $1 spent on eligible American Airlines purchases and 1 mile per $1 spent on other purchases.
• Comprehensive travel protections: Benefits include Trip Cancellation & Interruption Protection, Trip Delay Protection, Lost Baggage Protection, and Worldwide Car Rental Insurance Coverage, providing peace of mind during travels.

Admirals Club® membership

The standout feature of the Citi® / AAdvantage® Executive World Elite Mastercard® is its Admirals Club® membership. This includes access to over 50 lounges globally, offering a serene environment with amenities like complimentary snacks, beverages, and Wi-Fi. For frequent travelers, this perk enhances travel comfort and productivity significantly.

Disadvantages

• High annual fee: The card comes with a substantial annual fee of $595, which may be prohibitive for some cardholders, especially those who may not fully utilize all the benefits offered.
• High APR for balances: The variable APR for purchases and balance transfers ranges from 21.24% to 29.99%, depending on creditworthiness. Carrying a balance could lead to significant interest charges over time.
• Limited redemption options: While the card offers generous AAdvantage® miles rewards, these miles are primarily redeemable for American Airlines flights and partner airlines, limiting flexibility compared to cash-back rewards or other travel redemption options.

High annual fee

The primary drawback of the Citi® / AAdvantage® Executive World Elite Mastercard® is its high annual fee. While justified by premium travel benefits, the fee may deter potential applicants who cannot maximize the card’s travel perks or prefer a lower-cost option.

Who can apply for this card?

The Citi® / AAdvantage® Executive World Elite Mastercard® is tailored for frequent travelers who prioritize luxury and airline benefits. Ideal for those with a good to excellent credit score and U.S. residency, the card offers exclusive perks like Admirals Club® membership, priority boarding, and a Global Entry or TSA PreCheck® application fee credit.

How to apply for the Citi® / AAdvantage® Executive World Elite Mastercard card

Via WebSite

To apply for the Citi® / AAdvantage® Executive World Elite Mastercard® through the website, the process is typically straightforward. First, you need to visit the official Citi or American Airlines website where the card offer is available. On the homepage, you’ll find detailed information about the card benefits, including the bonus miles offer and Admirals Club® membership perks.

Click on the “Apply Now” or similar button to start the online application process. You will be directed to an online application form. This form will require standard personal information such as your full name, residential address, phone number, and email address. Additionally, you may need to provide details like your annual income, employment status, and Social Security number to complete the application.

Once you’ve filled out the application form, review all the information carefully to ensure accuracy. Submit the application electronically through the website. After submitting, you may receive an instant decision on your application, or the bank may require further verification and processing time. If approved, you’ll receive your card in the mail within a few business days, along with details on how to activate it and start enjoying its benefits.