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Credit Cards

Citi AAdvantage Executive World Elite Mastercard Review

Updated Feb 28, 2022   |   4 mins read

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Citi AAdvantage Executive World Elite Mastercard

Citi AAdvantage Executive World Elite Mastercard
on Citi’s secure website
Editorial Rating

Citi AAdvantage Executive World Elite Mastercard

Editorial Rating

What we like:

Priority benefits for the extended family

Intro OfferEarn 50,000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening
Rewards Rate2 AAdvantage® miles per $1 spent on eligible American Airlines purchases

1 AAdvantage® mile per $1 spent on all other purchases
Regular APR17.99%25.99%
Annual Fee$450
See how this card stacks up to our top rated airline credit cards

As you look into different credit card offers, chances are you may be pretty overwhelmed. This is because there are so many companies out there offering cards that are jammed-packed with benefits. How can you ever choose the right one?

One leading company that offers credit cards is Citibank. One card that you may consider is the Citi AAdvantage Executive World Elite MasterCard, which is full of rewards and benefits that are tailored towards American Airlines. Let’s look closely and see how it measures up.

Benefits & Rewards

The Citi AAdvantage Executive World Elite MasterCard specializes in travel benefits. These benefits include VIP enhanced airport experiences and access to the Admirals Club. With this card, you can also earn rewards miles towards flights with American Airlines.

Earn one point for each dollar that you spend on all purchases. To earn double points, simply use your card for American Airlines purchases.

As an introductory offer, you can earn a bonus of 50,000 American Airlines bonus miles after you spend $5,000 in purchases during the first three months of opening your account. You can also get a bonus of 10,000 Elite Qualifying Miles if you spend $40,000 in your first year of being a cardholder.

You will also be able to take advantage of their free concierge service that comes complimentary for being a cardholder. Also make sure that you take advantage of a free checked bag on your American Airlines flights, for you and up to eight companions going along with you.

Rates & Fees


  • Min APR: 16.74%
  • Max APR: 24.74%
  • Balance Transfer: N/A
  • Cash Advance: 26.24%


  • Annual: $450
  • Late Payment: N/A
  • Balance Transfer: $5 or 3%
  • Foreign Transaction: N/A

It is time to look into the rates and fees that come along with the card. This card comes with an annual fee is $450. This is payable upon opening your account, and it’s required again every year. While it is high, you really have to look into the rewards and see if it will pay for itself over time.

They also have fees on cash advances of either 5% or $10, and fees on balance transfers of either 3% or $5. The good news, however, especially since this is a travel rewards card, is that there is no foreign transaction fee.

The standard variable annual percentage rate, or APR, on all purchases is 16.74%24.74%, and this rate is also applied to all balance transfers made with your card. The rate will vary based on the market prime rates, and your creditworthiness will also play an important role in your own actual interest rate.

The standard variable rate for cash advances, however, is a bit higher at 26.24%. The highest your APR can go is 29.99% which is the penalty rate. It is always a good idea to make your payments on time each month, not only to avoid these high interest rates, but also to avoid hefty penalty fees. Late payments can also do a number to your credit report, making you less creditworthy.

The Bottom Line

When it comes down to the bottom line, the Citi AAdvantage Executive World Elite MasterCard seems to be a good fit for those that love traveling and have the capital to pay the annual fee. If you don’t think that you will take full advantage of the perks, it may be a good idea to look for a card with a lower annual fee.

Not satisfied? Check out some of the best Citibank credit cards that we have reviewed.