Citi · Mastercard
Citi® AAdvantage® Executive Card
Annual Fee
$695
up to $900/yr in credits if you use them
Sign-Up Bonus
$1,750
Current offer shown; issuer determines eligibility.
Spend $15,000 in 5mo
Terms apply.
Base Rate
1x
on everything
Best For
Frequent American Airlines flyers who want Admirals Club access
Sign-Up Bonus
Bonus: 125,000 miles
Details: Card refreshed 2026-08-23: 125,000 AAdvantage miles after $15,000 spend in 5 months — Citi bills it their best-ever offer, limited time with no published end date. Annual fee rose $595 → $695 with the refresh. Verified on aa.com application channel 2026-08-25.
Requirement: Spend $15,000 in 5 months
Estimated value: $1,750Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
American Airlines purchases
Hotels (aadvantagehotels.com) & car rentals (aadvantagecars.com) — 12x since the 2026-08 refresh
Point value: ~1.4¢ each
Key Benefits
Credits — if you use them
Up to $500/yr in statement credits toward eligible American Airlines Vacations packages
$15/month statement credit after 3 eligible Lyft rides in a calendar month (raised from $120 in the 2026 refresh)
Up to $100/yr back on eligible American inflight and Admirals Club purchases
Up to $120/yr on prepaid Avis or Budget rentals booked direct
Perks (not counted in our math)
Up to $120 statement credit for the application fee every 4 years; shown at its ~$30/yr annualized value
Access ~100 Admirals Club & partner lounges; immediate family or up to 2 guests included
Complimentary Omni Select Guest Champion status and an annual Omni free-night reward after a qualifying 2+ night stay
Complimentary Avis President's Club status through 8/31/2028
For you + up to 8 companions on the same reservation
Priority check-in, screening, and boarding on American flights
10,000 bonus Loyalty Points at 50k, 90k, 165k, and 240k Loyalty Points in a qualification year (up to 40,000/yr toward AA status)
Pros & Cons
Pros
- + Admirals Club membership included — up to $850 value if purchased separately
- + 2026 refresh added an AA Vacations credit, Lyft credits, and Omni hotel status
- + Free first bag + priority airport experience on every AA flight
- + 4x miles on American Airlines purchases
Cons
- - $695 fee only worth it if you fly American regularly
- - AAdvantage miles less flexible than Chase/Amex points
- - Several credits require monthly engagement to realize
- - Very high spend requirement for the welcome bonus ($15,000 in 5 months)
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Recommended credit score: 720+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.