Citi® / AAdvantage® Executive: Premium Airline Perks with Admirals Club® Access
Earn up to 5X AAdvantage® miles on American Airlines purchases, plus enjoy Admirals Club® lounge access, priority airport experience, and free checked bags for frequent flyers.
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The Citi® AAdvantage® Executive Card is a premium airline card designed primarily for loyal American Airlines travelers who want airport lounge access and travel perks. Its standout benefit is Admirals Club® membership, which can provide significant value for frequent flyers who regularly use airport lounges. The card also offers up to 5X miles on eligible American Airlines purchases and practical airline benefits like free checked bags, priority boarding, travel protections, and the ability to earn Loyalty Points toward AAdvantage® elite status. For frequent American Airlines travelers, these perks can easily offset much of the high annual fee. The downside is that the card’s value is heavily tied to flying American Airlines and using Admirals Club lounges regularly. Outside of airline spending, the rewards structure is less compelling than many premium travel cards, and casual travelers may struggle to justify the cost. Overall, this card works best for frequent American Airlines flyers who want lounge access and airline-specific perks, but travelers seeking more flexible rewards or broader premium travel benefits may prefer a general travel card instead.
Citi® / AAdvantage® Executive
Apply now
On Citi's Secure Website
Annual fee:
$595
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 29.49% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn up to 5X miles on American Airlines purchases: 4X miles on eligible American Airlines purchases, increasing to 5X after spending $150,000 in a calendar year for the remainder of that year. Additionally, earn 10X miles on eligible AAdvantage Hotels™ and AAdvantage Cars™ bookings, plus 1X mile on all other purchases.
1x - 10x Miles
Welcome Offer Earn 125,000 bonus miles after spending $15,000 in the first five months.
125,000 Miles
Welcome Offer
Limited-time offer: Earn 125,000 bonus miles after spending $15,000 in the first five months.
Rewards
- Up to 5X Miles on American Airlines Purchases: Earn 4X miles on eligible American Airlines Purchases, increasing to 5X after spending $150,000 in a calendar year for the remainder of that year.
- 10X Miles on eligible AAdvantage Hotels™ and AAdvantage Cars™ bookings.
- 1X Mile on all other purchases.
Redemption Options
- Redeem AAdvantage® miles for flights, seat upgrades, car rentals, hotels, vacations, Admirals Club® access, and more.
Fees and APR
- Annual Fee: $595,, with an additional $175 for each authorized user.
- Regular APR: 19.49% - 29.49% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
Annual Credits & Statement Credits
- $120 Avis/Budget Car Rental Credits: Get up to $120 in annual statement credits on eligible prepaid Avis® or Budget rentals booked directly through avis.com or budget.com.
- $120 Lyft Credits: Earn a $10 Lyft credit after taking 3 eligible rides in a calendar month, for up to $120 in annual Lyft credits
- $120 Grubhub Credit: Get up to $10 in statement credits each month on eligible Grubhub purchases, for up to $120 annually.
- Up to $120 Global Entry or TSA PreCheck® Credit: Receive a statement credit (up to $120 every four years) as reimbursement for your Global Entry® or TSA PreCheck® application fee.
Lounge Access
- Admirals Club® Membership: Enjoy Admirals Club® access for you and up to 2 guests at 100+ lounges worldwide – a benefit worth up to $850 annually.
Travel Benefits
- Enhanced Airport Experience: Enjoy priority check-in, priority screening (where available), and priority boarding for you and up to 8 companions on the same reservation.
- Free Checked Bag: Get your first checked bag free on domestic American Airlines itineraries for you and up to 8 companions on the same reservation.
- 25% Inflight Savings: Save 25% on inflight food and beverage purchases on American Airlines flights when paying with your card.
Airline Elite Status - American Airlines AAdvantage® Status
- Earn Loyalty Points: Earn 1 Loyalty Point for every eligible AAdvantage® mile earned from purchases to help qualify for AAdvantage® status faster.
- Loyalty Points Bonuses: Earn a 10,000 Loyalty Point bonus after reaching 50,000 Loyalty Points in a status qualification year, plus another 10,000-point bonus after reaching 90,000 Loyalty Points.
Travel Protections
- Trip Delay Protection: Get reimbursed for eligible expenses like meals and lodging if your trip is delayed for a covered reason.
- Trip Cancellation & Interruption Insurance: Get reimbursed for non-refundable travel costs if you need to cancel or cut your trip short due to a covered reason. Applies to airfare, ferry, train, bus, and cruise tickets when purchased with your card.
- Lost or Damaged Luggage: Get reimbursed for eligible expenses if your checked or carry-on luggage is lost or damaged during your trip.
- MasterRental® Coverage (Car Rental): Get coverage for damage or theft of a rental car when you pay for the rental with your card and decline the rental company’s collision damage waiver.
Convenience Features
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Nice Extras
- Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).
Buy Now, Pay Later Options
- Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.
Additional Features
- Card Lock: Citi Quick Lock (temporarily blocks new purchases while allowing recurring transactions).
- Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
- Free credit score access.
Terms and Conditions
- Click Apply Now to see the terms and conditions.