Is the Citi / AAdvantage Executive World Elite Mastercard worth it?
Editor's Note
If you fly American Airlines frequently, you might consider getting one of their cobranded Citi cards.
At the top of the hierarchy is the Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees), which offers the most AA-specific perks of any credit card. But it comes with a hefty annual fee.
So, is it worth the $595 annual fee — both in year one and beyond? Let’s do the math.
Welcome bonus
The Citi / AAdvantage Executive World Elite Mastercard is currently offering 70,000 miles after spending $7,000 within the first three months of account opening.
This bonus is worth $1,085, based on TPG’s August 2025 valuations.
This bonus provides a large chunk of the card's overall value, so earning it and using the miles wisely are essential to outweighing the card's high annual fee.
Lounge access
Arguably, the most valuable ongoing benefit of this card is the complimentary Admirals Club membership you'll receive every year that you hold the card. When you have the Citi / AAdvantage Executive card, all you have to do is walk to the lounge and present a same-day boarding pass for an eligible flight.
A membership costs $700-$850, depending on your status level and whether it's a new membership or a renewal. Given that this card carries a $595 annual fee, it doesn't make sense to buy an Admirals Club membership on its own, unless you aren’t eligible for the card.
You’ll access nearly 50 Admirals Clubs and more than 60 partner lounges worldwide when flying American or one of its Oneworld partners. Notably, this includes Alaska Lounges in hubs like Los Angeles International Airport (LAX), Portland International Airport (PDX), San Francisco International Airport (SFO) and Seattle-Tacoma International Airport (SEA).
You can bring in either your immediate family members (spouse or domestic partner and children under 18 years of age) or up to two guests. And they don’t need to be on the same flight as you — just any American or Oneworld flight with a same-day boarding pass.
Being based in Austin, Texas, I often fly through AA’s largest hub, Dallas Fort Worth International Airport (DFW). This means I can access the lounges on departure in Austin and when connecting through Dallas-Fort Worth.
I also value accessing select Qantas Club and Qantas International Business Lounges when I fly home to Australia and travel throughout the country.
Related: The best lounge access credit cards to add to your wallet
Travel benefits
The Citi / AAdvantage Executive World Elite Mastercard offers valuable perks when flying American, including priority check-in at business-class counters (where available) and priority boarding privileges (where available) for you and up to eight travelers on the same reservation.
You also get your first checked bag free on domestic itineraries with American Airlines. (Note that this is only for domestic flights; I had to pay $35 last year when I traveled to Mexico, forgetting the restrictions of this perk.)
Additionally, you can enjoy a 25% discount on inflight food and beverage purchases (excludes Wi-Fi) and receive an up-to-$120 statement credit for Global Entry/TSA PreCheck. (I suggest maximizing your credit by applying for Global Entry, as it includes PreCheck anyway.)
Furthermore, the card includes travel protections, such as trip cancellation, trip interruption, trip delay, lost baggage protection and car rental insurance coverage.
And there are no foreign transaction fees, making this card a great option for international travel.
Related: Which airline is now best if you don't want to pay bag fees?
Elite status
If chasing AAdvantage elite status is important to you, the Citi / AAdvantage Executive World Elite Mastercard will help you achieve it. You’ll earn 1 Loyalty Point for every mile you earn from purchases.
On top of that, you’ll receive a 10,000 Loyalty Points bonus upon reaching 50,000 Loyalty Points in a status qualification year. An additional 10,000 Loyalty Points bonus will be granted once you hit 90,000 Loyalty Points in the same year.
Related: 8 methods that earned American AAdvantage Executive Platinum
Statement credits
The statement credits on the Citi / AAdvantage Executive card include:
- Up to $120 back on eligible prepaid rentals booked directly on Avis.com or Budget.com every calendar year (this credit was restricted in July 2024)
- Up to $120 back on eligible Grubhub purchases (up to a $10 statement credit on each month’s billing statement)
- Up to $120 in Lyft credits ($10 Lyft credit each month), but you have to take three eligible rides each month first to receive this credit
The Grubhub credit is the only one I find easy to maximize. I use the $10 monthly credit to order pick-up food when I’m on the road.
I’ve had issues with the car rental credit, so I wouldn’t rely on getting value from it. Last year, a Budget rental in Cabo didn’t code correctly and Citi wouldn’t apply the credit manually. This year, I completed another Budget rental in Ireland and waited the obligatory 10 weeks. Again, it didn't post and, again, Citi refused to apply a manual credit.
I don’t value the Lyft perk because you don’t get the $10 credit until after you’ve taken three (non-discounted) rides in a month. Instead, I use my Chase Sapphire Reserve® (see rates and fees) to earn 5 points per dollar spent, plus a $10 monthly in-app credit on Lyft purchases (through Sept. 30, 2027).
Related: Frequent Uber or Lyft user? These are the best credit cards for you
Earning and redeeming miles
If you’re looking to supercharge your points-earning across several programs, we’d suggest putting your spending on a card that earns transferable points. However, if you want to maximize your AAdvantage mile balance specifically, the Citi / AAdvantage Executive card will earn you:
- 10 miles per dollar spent on eligible car rentals and hotels booked through American’s car rental and hotel booking sites, respectively
- 4 miles per dollar spent on eligible American Airlines purchases (jumps to 5 miles per dollar spent for the remainder of the calendar year once you’ve spent $150,000 on purchases in a calendar year)
- 1 mile per dollar spent on all other eligible purchases
AAdvantage miles are the most valuable of any U.S. airline program at 1.55 cents each, according to our August 2025 valuations. They are significantly more valuable than United MileagePlus miles (1.3 cents each) and Delta SkyMiles (1.2 cents each).
After picking up this card after its refresh in mid-2023, I redeemed part of the welcome bonus I received for a luxurious flight redemption. I used 70,000 miles plus $174 for a one-way business-class flight in Qatar Airways’ fantastic Qsuite from Doha to Houston.
Given this flight retails for $3,910 one-way, I got a very high 5.6 cents-per-mile value from this redemption, more than triple TPG’s August 2025 valuation of AAdvantage miles.
Related: The best uses of American Airlines AAdvantage miles
Authorized users
Finally, the Citi / AAdvantage Executive card is a great option if you want your friends and family to get Admirals Club access for less.
You can add up to three authorized users for $175 total (which works out to be around $58 each) and additional authorized users for $175 each after that.
Each authorized user receives Admirals Club access (with a same-day boarding pass for an eligible flight) for themselves and up to two traveling companions. However, authorized users only get Admirals Club access, not a full Admirals Club membership.
Bottom line
Ultimately, if you value Admirals Club access, priority perks on American flights and a large welcome bonus, this card can easily justify its fee. You’ll get even more value if you take advantage of its statement credits and authorized user perks. But if lounge access isn’t important to you, consider one of Citi’s lower-fee AAdvantage cards instead.
To learn more about this card, read our full review of the Citi / AA Executive World Elite Mastercard.
Apply here: Citi / AAdvantage Executive World Elite Mastercard
Related: Everything you need to know about authorized credit card users
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.