Link: Apply now for the Citi® / AAdvantage® Executive World Elite Mastercard®
Co-branded credit cards are big businesses for airlines, and in many cases, a majority of their profits come from frequent flyer programs, and the lucrative arrangements they have with banks.
When thinking of premium credit cards, the first cards that come to mind are probably The Platinum Card® from American Express, the Chase Sapphire Reserve®, and the Capital One Venture X Rewards Credit Card.
However, there’s a premium airline credit card that arguably gets me just as much value as some other premium cards, if not more. In this post I wanted to take a detailed look at this card, which is in a league of its own when it comes to airline credit cards offering lounge access.
In this post:
Citi AAdvantage Executive Card Basics For June 2023
American Airlines has co-branded cards issued by both Barclays and Citi, and the most premium card in the portfolio is the Citi® / AAdvantage® Executive World Elite Mastercard®. This card offers the strongest lounge access perk of any airline credit card, to the point that it’s almost ridiculous how generous this card is.
Let’s look at all major aspects of this card, like the sign-up bonus, return on spending, benefits, and more. Some might even want to give this card another look, given that credit card spending now counts toward elite status in the AAdvantage program.
Welcome Bonus Of 50,000 AAdvantage Miles
The Citi AAdvantage Executive Card has a welcome bonus of 50,000 American AAdvantage miles after spending $5,000 within the first three months.
Personally, I value American AAdvantage miles at ~1.5 cents each, so to me, those miles are worth about $750. That’s a solid bonus for a card. Then again, think of the bonus as just an added incentive here. There is a much bigger reason you’ll want the Citi AAdvantage Executive Card.
Note that the bonus miles aren’t available to those who have received a new cardmember bonus for this card in the past 48 months (however, you are eligible if you’ve had a different American Airlines credit card, including if you’ve received a bonus on a different product).
Then there are the typical rules for Citi credit card applications, including that you can apply for at most one card with Citi every eight days, and at most two cards every 65 days.

$450 Annual Fee
The Citi AAdvantage Executive Card has a $450 annual fee. You can add up to 10 authorized users to your card at no extra cost, which is my favorite perk of this card, as I’ll discuss in greater detail in a bit.
Rewards Structure & Earning Loyalty Points
When it comes to spending money on the Citi AAdvantage Executive Card, here’s the rewards structure:
- Earn 2x AAdvantage miles on eligible American Airlines purchases
- Earn 1x AAdvantage miles for all other purchases
In terms of the reward for spending, there are both better cards for purchasing airline tickets, and also better cards for everyday spending. However, keep in mind that the most compelling reason to spend money on the card is in order to earn elite status with American Airlines. Nowadays American Airlines uses the Loyalty Points system for status qualification, and credit card spending can help you earn status.
American’s elite requirements are currently as follows, and you earn one Loyalty Point for every dollar spent on an American Airlines credit card:
- AAdvantage Gold status requires 40,000 Loyalty Points
- AAdvantage Platinum status requires 75,000 Loyalty Points
- AAdvantage Platinum Pro status requires 125,000 Loyalty Points
- AAdvantage Executive Platinum status requires 200,000 Loyalty Points
So spending on the Citi AAdvantage Executive Card could earn you elite status, which I know will interest many. That’s the primary reason you’ll want to consider spending money on this card.

Earn 10,000 Bonus Loyalty Points For Spending
In addition to earning one Loyalty Point for every dollar spent on the Citi AAdvantage Executive Card, you can also earn 10,000 additional Loyalty Points after spending $40,000 on the card during a qualifying program year. In other words, for exactly $40,000 of spending, you’d earn the equivalent of 1.25x Loyalty Points per dollar spent.
The AAdvantage elite qualifying year goes from the beginning of March until the end of February of the following year. Spending $40,000 on this card will prove to be a sweet spot for many looking to maximize Loyalty Points.

No Foreign Transaction Fees
The Citi AAdvantage Executive Card has no foreign transaction fees, so this can be a good option for purchases you make abroad.

Citi AAdvantage Executive Card Lounge Benefit
The real reason you want to get the Citi AAdvantage Executive Card is because of the incredible lounge access perk that it offers. Having this card is the best way to access Admirals Clubs. Let’s discuss how that works.
Receive An Admirals Club Membership
The primary cardmember on the Citi AAdvantage Executive Card receives a full Admirals Club membership. That in and of itself is a reason this card makes sense.
Ordinarily, if you buy an Admirals Club membership you’ll be paying anywhere from $500 to $650 per year, depending on your AAdvantage status, and also depending on whether you’re a new member or are renewing your membership.

By getting an Admirals Club membership with the Citi AAdvantage Executive Card you’re saving $50-200 right off the bat.
Note that while you can redeem miles for an Admirals Club membership, this represents a terrible value, as you’re getting just a cent of value per mile.

This is a full Admirals Club membership, so you don’t even have to bring your credit card, as your membership will be linked to your AAdvantage number:
- You can access Admirals Clubs worldwide when flying American Airlines, a oneworld partner airline, or JetBlue, the same day
- You’re allowed to bring immediate family (spouse, domestic partner and/or children under 18) or up to two guests
- Admirals Club members also receive access to Alaska Lounges, as well as access to dozens of other partner lounges, including lounges of British Airways and Qantas (you can find the full lounge directory here)

Note that Admirals Club members don’t get access to Flagship Lounges, as that access is determined based on the ticket you purchased rather than any membership.
How Soon Is Your Admirals Club Membership Activated?
Many people may be considering applying for the Citi AAdvantage Executive Card shortly before taking an American Airlines trip. How soon after being approved for the card does your Admirals Club membership kick in?
Since the primary cardmember gets a full Admirals Club membership, it’s linked to their AAdvantage account. Many may be surprised to learn that this membership could very well kick in before you even receive your credit card in the mail, and you don’t even need your card to enter a lounge.
Fortunately there’s an easy way to tell if your Admirals Club membership has been activated. To figure it out, pretend that you’re signing up for an Admirals Club membership. Go to this page, enter your AAdvantage number, last name, and password.

If your account has already been updated to reflect the Admirals Club membership, you’ll see that the next page shows “1-Year Citi AADV Exec CC Membership.”

If it hasn’t been updated, you’ll see that it gives you the option of choosing what kind of membership you want to purchase.

Note that this only works for the primary cardmember. Since the authorized users don’t get a full Admirals Club membership, they wouldn’t show up as being eligible online. Authorized users need to present the physical Citi AAdvantage Executive Card, since there’s no membership linked to their AAdvantage account.
Give 10 Authorized Users Admirals Club Access
This is where the Citi AAdvantage Executive Card goes from solid to unbelievably good. You can add up to 10 authorized users on the Citi AAdvantage Executive Card at no extra cost, and each of the authorized users also receives Admirals Club access.
Note that authorized users receive Admirals Club access and not a membership, so there are the restrictions:
- They’ll need to present their authorized user card to access the lounge, since they don’t have a membership tied to their AAdvantage number
- They need to be flying American Airlines, a oneworld partner airline, or JetBlue, the same day to access lounges
- They can bring immediate family (spouse, domestic partner and/or children under 18) or up to two guests
- They can’t access partner lounges, including Alaska Lounges
For the purposes of accessing Admirals Clubs this is more or less the same as an outright membership.
This is such an outrageously good benefit, since it means that just about all of my family and some of my friends get Admirals Club access when they fly. When you split my $450 annual fee 11 ways, I’m basically paying just over $40 per person per year for Admirals Club access. That’s less than the cost of a single day pass.

How To Add Authorized Users To The Citi AAdvantage Executive
Adding authorized users to the Citi AAdvantage Executive Card is super easy, and can be done directly on Citi’s website. Follow this link to access the part of the Citi website where you add authorized users, and then log into your account.
On the next page, you’ll be able to manage authorized users, including adding and removing them.

You’ll just need their name to add them, and you have the choice of whether or not you want to give them permission to access your online account.

Make sure you trust all your authorized users, since any charges they incur will be your responsibility.
Citi AAdvantage Executive Card Benefits
The primary reason to get the Citi AAdvantage Executive Card is because of the great sign-up bonus, ability to earn status with spending, and Admirals Club benefit, though the card offers some other perks that could add a lot of value for card members. These perks range from priority check-in, to early boarding, to a Global Entry or TSA PreCheck fee credit.
Below is what you need to know about all the other perks of the Citi AAdvantage Executive Card.
First Checked Bag Free
Those with the Citi AAdvantage Executive Card receive a first checked bag free on domestic American Airlines itineraries not just for themselves, but also for up to eight companions traveling on the same reservation. There’s no need to actually pay for the ticket with your Citi AAdvantage Executive Card — you just have to make sure it’s linked to your AAdvantage account (this benefit applies for the primary cardmember only).
American ordinarily charge $30 for the first checked bag, so that’s a $60 value per person roundtrip (and if you had eight companions all checking a bag, that would be a value of $540).
Priority Check-In, Priority Screening, Early Boarding
For being the primary cardmember on the Citi AAdvantage Executive Card you receive several valuable airport benefits, including priority check-in, priority airport screening, and early boarding. These are all features that can save you time and money.
There’s no need to show your card, as these perks should automatically be reflected with your ticket when you have your credit card linked to your AAdvantage account (which is automatic when you’re the primary cardmember).

Global Entry Or TSA PreCheck Credit
The Citi AAdvantage Executive Card offers a Global Entry or TSA PreCheck credit once every five years. Simply charge the purchase to your card and it will automatically be reimbursed. You don’t have to be the one signing up — you can always pay for a friend or family member who is signing up instead.
Personally, I always recommend applying for Global Entry, because Global Entry automatically comes with TSA PreCheck, while the inverse isn’t true.

World Elite Mastercard Perks
The Citi AAdvantage Executive Card is a World Elite Mastercard, meaning that it comes with quite a few benefits you may not be familiar with. In addition to the concierge service, there are also savings and other perks with a variety of businesses, ranging from DoorDash, to HelloFresh, to Lyft.
Is The American Executive Card Worth It?
The Citi AAdvantage Executive Card is a fantastic card that I personally have and also recommend, but only if you’re a frequent flyer with American. If you fly American with any frequency then an Admirals Club membership is super valuable, and this is the best way to get an Admirals Club membership, hands down.
Not only is the card’s annual fee lower than the cheapest Admirals Club membership fee, but you get the additional perk of lounge access for 10 others (and they can bring guests into lounges as well).

Is This The Best Card For Lounge Access?
The Citi AAdvantage Executive Card is the best card for lounge access if you’re a frequent flyer on American Airlines. However, if you fly a variety of airlines, I think going with another premium card is a better option:
- The Chase Sapphire Reserve (review) offers a Priority Pass membership, which gets you access to 1,300+ lounges around the world
- The Capital One Venture X (review) offers a Priority Pass membership, access to Plaza Premium Lounges, and access to Capital One Lounges; as of now there’s a single lounge at DFW, which is incredible
- The Amex Platinum (review) offers a suite of lounge access perks, including a Priority Pass membership, access to Amex Centurion Lounges, and access to Delta Sky Clubs when flying Delta same day

Note that none of those cards gets you access to any American Airlines Admirals Clubs, though.
Bottom Line
The Citi AAdvantage Executive Card isn’t for everyone. If you’re not a frequent flyer on American then you shouldn’t consider this card. However, if you are a frequent flyer on American then this card is totally for you.
While Admirals Clubs aren’t anything to get too excited about, there’s still huge value in the complimentary snacks and drinks, free Wi-Fi and quiet places to sit, and access to an agent in the event your flight has irregular operations.
I’ve had the Citi AAdvantage Executive Card for years, and love it. The Admirals Club membership is awesome, while the Admirals Club access for up to 10 authorized users is the icing on the cake. This card is truly in a league of its own when it comes to lounge access.
This card may now even interest more people than in the past, given that spending on American Airlines credit cards can help you earn elite status.
Ben, is it worth getting the “lesser” AA card for the 75k bonus and then upgrading to this product? Does Citi do that?
Authorized user cannot benefit from free checked bag.
Only if I am flying a lot. I can just buy 6 one day lounge passes for $59 this year. This is the only Aadvantage card I’ve never had.
I've been considering this card because I fly out of Charlotte and would like lounge access. However, I've avoided getting it because I have heard the admiral lounges are super croweded in Charlotte. Instead of this card, I have the amex platinum card and use the charlotte centurion lounge, but now they charge $30 for each of my kids, so now each time I visit it costs me $60.
Does anyone know when the...
I've been considering this card because I fly out of Charlotte and would like lounge access. However, I've avoided getting it because I have heard the admiral lounges are super croweded in Charlotte. Instead of this card, I have the amex platinum card and use the charlotte centurion lounge, but now they charge $30 for each of my kids, so now each time I visit it costs me $60.
Does anyone know when the new lounge in Charlotte will be finished? Is it really that busy at the Charlotte admirals lounges?
It really depends on day/time your flying. Their are multiple AA Lounges at CLT too. I always find room, but yes, certain times can be crowded. We're not talking "Delta" level crowding, but it's nearly full. Get the card.
Unrelated, but wasn't sure if you saw that citi application language seems to have switched to 48 months for the Premier card (similiar to their AA policy). Noticed it right after your post last week which doesnt seem to be updated for this.
The 10 authorized users benefit seems outrageously nice on AA’s part. Not doubting it but why on earth are they so generous? Esp given that airline clubs are near full always it seems.
I highly doubt most people are putting 10 cards eith their credit in other names that often. They have to be an Auth User.