Citi AAdvantage Executive Card Revamp: New Benefits, Higher Annual Fee

Craig Joseph
By Craig Joseph 
Edited by Kenley Young

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Starting July 23, 2023, new and existing cardholders will receive additional ways to earn AAdvantage miles and a new suite of benefits, along with a higher annual fee. Here's a summary of the changes:

What's changing at a glance

Current features

What the card will feature as of July 23, 2023

Annual fee



Rewards on American Airlines purchases (made directly with the airline)

Earn 2 AA miles per $1 spent.

  • Earn 4 AAdvantage miles per $1 (before $150k in total spending on the card per calendar year).

  • Earn 5 AAdvantage miles per $1 (after $150k in total spending on the card per calendar year).

Rewards on hotels and car rentals booked through


  • Earn 10 AAdvantage miles per $1 spent.

Loyalty Point bonuses

Earn 10,000 Loyalty Points after spending $40,000 per calendar year.

  • Earn a 10,000 Loyalty Point bonus after earning 50,000 Loyalty Points per qualifying year*.

  • Earn an additional 10,000 Loyalty Point bonus after earning 90,000 Loyalty Points per qualifying year*.

Statement credits


  • Earn up to $120 in statement credits on Avis or Budget car rentals per calendar year.

  • Earn a $10 GrubHub credit per card statement period.

  • Earn a $10 Lyft credit each calendar month after you pay for 3 rides with your card in the same month.

Travel insurance


  • Trip delay and cancellation protection.

  • Lost baggage protection.

  • Primary rental car insurance outside the U.S.

  • Secondary rental car insurance inside the U.S.

Authorized user fee

$0 for up to 10 authorized users.

  • $175 total for up to three authorized users.

  • $175 for each additional authorized user above three.

*A qualifying year for Loyalty Points changed in 2023 from calendar year to the period between March 1 and February 28.

Existing benefits that remain unchanged include:

Citibank Citi® / AAdvantage® Executive World Elite™ MasterCard® Credit Card
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  • Admirals Club access for primary and authorized users.

  • Earn 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases.

  • $100 credit on Global Entry or TSA PreCheck every four years.

  • First checked bag free on domestic flights for the primary cardholder and up to 8 companions.

  • 25% discount on in-flight food and beverages on AA flights.

  • Priority boarding, check-in and screening on AA flights.

New limited-time offer

From July 23, 2023, to Sept. 6, 2023, new cardholders who are approved for the Citi® / AAdvantage® Executive World Elite Mastercard® will earn 100,000 AAdvantage Miles after spending $10,000 within the first three months of account opening. (Current offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.)

American Airlines implements a fully dynamic award chart, where the number of miles required for a free flight changes based on demand. For low-demand periods, you can reportedly find flights within the lower 48 states for as low as 7,500 miles each way. That would make this new limited-time offer worth around 13 domestic one-way flights at this lowest redemption level.

How are existing cardholders impacted?

Here’s what existing cardholders need to know:

  • The increased annual fee and the new authorized user fee(s) will be charged on their first renewal date after July 23, 2023. Note the first three authorized users cost $175 in total, not individually (i.e., there’s no difference in cost between having one, two or three authorized users). 

  • Additional perks will be available for use on July 23, 2023, regardless of whether you’ve been charged the increased annual fee.

  • You can only earn a maximum of 20,000 Loyalty Point bonuses in a qualifying year and won’t be able to stack the existing 10,000 Loyalty Point bonus earned by spending $40,000 with the new bonuses. 

Be aware that a qualifying year for earning Loyalty Points changed in 2023 from calendar year to the period between March 1 and February 28.

Is the higher annual fee worth it?

The new changes are truly geared toward high-spending American Airlines loyalists. For those travelers, the ability to earn 4 to 5 AAdvantage miles on AA flights will be a welcome addition. Elite status chasers will also find value in the new 10,000 Loyalty Point bonuses earned after generating 50,000 and 90,000 Loyalty Points per qualifying year. And if you want lounge access, the $595 annual fee is still cheaper than the $850 it will cost to buy an Admirals Club membership after July 23, 2023.

The rest of the new benefits are unspectacular:

  • The $120 annual credit toward Avis or Budget car rentals is nice, but you’ll be stuck renting only with those companies. 

  • The $10 GrubHub credit resets every statement period (not each calendar month), so you’ll have to track your statement date and be a GrubHub user to maximize that benefit. 

  • The $10 monthly Lyft credit applies only after you’ve already used your card for three Lyft rides in that calendar month.

  • Primary car rental insurance applies only to rentals outside the U.S. For domestic rental car accidents, you'll still have to go through your own insurance first.

If you’re a less frequent American Airlines loyalist and want a cheaper way to rack up AAdvantage miles, check out the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. That card has the following annual fee: $0 intro for the first year, then $99. It also comes with the following introductory offer: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.

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