Citi® / AAdvantage® Executive World Elite Mastercard®

Fees:

  • Annual Fee: $595
  • Authorized User Fee: $175 for up to 3 users, $175 per additional user
  • Foreign Transaction Fee: None
  • Cash Advance Fee: $10 or 5% of the cash advance amount, whichever is greater
  • Balance Transfer Fee: $5 or 5% of the amount, whichever is greater

APR:

  • Purchases and Balance Transfers: 20.24% to 29.24% variable
  • Cash Advances: 29.49% variable
  • Penalty APR: Up to 29.99%

Offer:

  • Sign-Up Bonus: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 in the first 3 months.
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  • Admirals Club® Membership: Complimentary membership for the primary cardholder, valued at up to $850, providing access to premium airport lounges.

  • Travel Perks: Free first checked bag for the cardholder and up to 8 companions, and enhanced airport experience with priority check-in, screening, and boarding.

  • Additional Credits: Up to $120 annually in credits for Lyft, Grubhub purchases, and Avis/Budget car rentals.
Features
  • Earn 4 AAdvantage® miles per $1 spent on American Airlines purchases.
  • Earn 10 miles per $1 on eligible hotel and car rental bookings through partner sites.
  • 1 AAdvantage® mile per $1 on all other purchases.
  • 25% savings on inflight food and beverage purchases on American Airlines flights.
  • Global Entry or TSA PreCheck® fee credit (up to $120 every 4 years).
  • Travel protection benefits, including trip cancellation and delay protection.
  • No foreign transaction fees for international purchases.
  • Dedicated concierge for travel, dining, and entertainment assistance.
Details

The Citi® / AAdvantage® Executive World Elite Mastercard® is designed for frequent American Airlines travelers seeking premium perks and rewards. Cardholders receive complimentary Admirals Club® membership, providing access to over 50 airport lounges worldwide. The card offers a generous rewards structure, including 4 miles per dollar spent on American Airlines purchases and bonus earning opportunities on hotels and car rentals. Benefits include travel credits for Lyft, Grubhub, and car rentals, plus 25% savings on inflight purchases. With no foreign transaction fees, TSA PreCheck®/Global Entry fee credits, and extensive travel protection, this card caters to those prioritizing luxury travel and convenience. A $595 annual fee applies.

Pros
  • Complimentary Admirals Club® membership, valued up to $850.
  • Generous sign-up bonus of 70,000 miles.
  • Strong rewards structure for American Airlines purchases.
  • Travel perks like free checked bags and priority boarding for up to 9 travelers.
  • Annual credits for Lyft, Grubhub, and car rentals.
  • Comprehensive travel protections and concierge services.
  • No foreign transaction fees.
Cons
  • High annual fee of $595.
  • Additional fee for authorized users.
  • Spending requirement of $7,000 for the sign-up bonus may be steep for some.
  • Best benefits tailored specifically to American Airlines travelers.
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Responsible Credit Card Usage

While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.

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