Citi · Mastercard · personal · American AAdvantage
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$695
annual fee · Up to 3 authorized users at $175 each (each with Admirals Club access)
0%
foreign txn fee
$348
credits/yr realistic ($810 face)
$2,062
sign-up bonus ≈ 125000 miles after $15,000/5mo
Earning
| Issuer travel portal
12x on AAdvantage Hotels and AAdvantage Cars bookings
|
12x | 19.8% |
| American Airlines (Airfare (booked direct))
4x American Airlines purchases (5x after $150,000 spend in a calendar year)
|
4x | 6.6% |
| Everything else | 1x | 1.65% |
Right column: value per $ at travel valuation (1.65¢/pt). Conservative 1¢; TPG ~1.65¢.
Credits
- $120 Global Entry / TSA PreCheck /every 4 years · easy to use · enrollment requiredFee reimbursement
- $100 Inflight and Admirals Club credit /year · medium to useUp to $100/yr on inflight purchases and Admirals Club spend
- $500 American Airlines Vacations credit /year · hard to useTwo $250 credits per year on AA Vacations packages
- $15 Lyft credit /month · medium to use · enrollment requiredUp to $15/month after three eligible Lyft rides in the month ($180/yr)
Benefits
- No foreign transaction fees
- Admirals Club membership (you + guests)
- First checked bag free (you + 8 companions)
- Priority check-in, screening and boarding
- 10,000 Loyalty Point bonuses at $50k and $90k spend
Protections
| trip delay | Up to $500 after 6 hours |
| baggage delay | Up to $100/day |
| lost luggage | Up to $3,000 |
| rental car | secondary |
Notes
WEB-VERIFIED 2026-09-08 against https://thepointsguy.com/credit-cards/reviews/citi-aadvantage-executive-review/: $695 fee, 4x AA (5x after $150k), 12x AAdvantage Hotels/Cars, credits above, Admirals Club membership, first bag free for 9, Loyalty Point bonuses at 50k/90k/165k/240k, 125k after $15k, no FTF (TPG, Sep 4 2026). Protections still from model knowledge.