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Travel is ramping up and so are travel card benefits. Premium credit cards carry hefty annual fees but also have great perks and bonuses. Carrying more than one of them can be really expensive if you don’t maximize the benefits. However, depending on your travel and spending patterns, this can be a no-brainer to help you maximize your travel. In this article, we examine the pairing of The Platinum Card® from American Express and the Citi® / AAdvantage® Executive World Elite Mastercard®.

The information for the Citi® / AAdvantage® Executive World Elite Mastercard® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Amex Platinum and Citi AAdvantage Executive World Elite cards

Amex Platinum vs Citi AAdvantage Executive World Elite: Annual Fee & Credits

The Citi Executive AAdvantage card carries a hefty $595 fee, but it’s a top credit card for American Airlines flyers.

Think that’s expensive?

The annual fee for The Platinum Card® from American Express is $695 (See Rates & Fees) but can be offset with the perks, which are valued at over $1,400. Get the full details and learn more in our in-depth The Platinum Card from American Express review.

However, for most frequent travelers, the Amex ends up costing less. You can get back most of the annual fee in the form of rebates. But, these are hard to maximize. For example, you get up to $50 “use it or lose it” credits per year at Saks Fifth Avenue.

Meanwhile, the only fee credit Citi offers is toward Global Entry or TSA Precheck. However, Global Entry costs $100 so if you don’t already have this, it’s worth using the fee credit. Note that The Amex Platinum also comes with this credit and an annual credit for CLEAR.

Points and Welcome Offers

The more options you have to spend your points, the better the chances of successfully arranging award travel.

American Airlines AAdvantage points can only be earned via hotel programs, airline partners, and American’s own credit card partners. No transferable points currency transfers to American Airlines. But, this is one of the best programs to use for Oneworld awards due to the generally lower-priced award chart than competitors. The catch is that availability is usually worse than average with American and its partners.

American Express Membership Rewards Points, meanwhile, transfer to a wide variety of airline partners covering every major alliance. The catch is that award tickets are often more expensive in these programs.

New The Platinum Card® from American Express cardmembers can earn 80,000 Membership Rewards® points after spending $8,000 on purchases on their new Card in the first 6 months of Card Membership.

New Citi® / AAdvantage® Executive World Elite Mastercard® cardholders can earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening. Plus, enjoy a complimentary Admirals Club® membership (a value of up to $850).

Earning Rates

The Citi / AAdvantage Executive World Elite Mastercard isn’t a card to get for the earning rates. Earn 4x miles per $1 on eligible American Airlines purchases. Plus, earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.

And, if you’re a Google Pay user, note that the AAdvantage cards issued in the U.S. are not eligible for Google Pay. 

The Platinum Card® from American Express earns 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, and earns 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel.

In the Amex Platinum and Citi AAdvantage Executive World Elite battle, you’ll want to go with the card that makes sense for your spending and your ability to use the benefits.

Lounge Benefits

Both cards provide access to a worldwide network of airline lounges. The American Express Platinum provides access to American Express’s own Centurion Lounge network, along with several other lounge networks (enrollment may be required). American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places where your The Platinum Card® from American Express can get you complimentary entry and exclusive perks. Terms apply. Enrollment may be required.

Meanwhile, the Citi Executive AAdvantage card provides a full American Airlines Admirals Club membership. This grants access to lounges with whom American has a reciprocal lounge access arrangement.

Which is better? That depends on the airport and your preferences. If you ask me, it’s “whichever lounge is less crowded.” If you carry both cards, it’s easy to lounge hop!

Airline Benefits

The American Executive AAdvantage card provides benefits when flying with American Airlines. However, these are awfully stingy given the $595 fee: free checked bags only apply to U.S. domestic flights (not to international flights). Pre-boarding is in Group 4.

There is a 25% discount on in-flight purchases, although you might not want to try the brisket sandwich. Plus, there is a Reduced Mileage Award program, but this is difficult to use, requiring telephone booking (which involves paying a phone booking fee). Most of the destinations for which these awards are good towards are unattractive (such as Yuma, Arizona in August and Fargo, North Dakota in November).

In short, Citi talks a good game, but the benefits don’t deliver much real value beyond the limited bag fee waiver.

Meanwhile, Amex provides a very simple benefit: you can nominate any airline and offset up to $200 of their fees annually. However, it will be in the form of statement credits (terms apply, enrollment may be required). Carrying both cards can be useful if you travel with American for some flights but prefer a different airline for others.

Hotel Status

The Platinum Card® from American Express offers Marriott Bonvoy Gold Elite status along with Hilton Honors Gold Status. If you stay with either chain, you might score the occasional upgrade or get a free breakfast depending upon the property.

Cardholders can get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which require a minimum two-night stay, through American Express Travel when paying with their Platinum Card®.

Also, get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.

Citi doesn’t match this benefit.

Rental Car Status

You get Avis Preferred, Hertz Gold Plus Rewards, and National Emerald Club status when you’re an Amex Platinum member. These programs allow you to pick up your car without visiting a rental counter. Citi doesn’t match this benefit.

Bottom Line 

For people who want to use most of the benefits from both cards, it can be beneficial to carry both. Both the Amex Platinum and Citi AAdvantage Executive World Elite cards come with premium benefits that only make sense if the cardholder is able to maximize their card.

For rates and fees of The Platinum Card® from American Express, please click here.

8 Comments On "Should You Get Both the Amex Platinum and Citi AAdvantage Executive World Elite?"
  1. David|

    I think you’re undervaluing the AA Exec card a bit. First, the AA Exec card has trip delay, baggage delay and cancellation insurance (Amex does not have these.) Also, it’s a World Elite Mastercard, which has a bunch of benefits:

    Finally, it beats Amex with Avis as it include Preferred Plus (free upgrades!) as well as Sixt Platinum and National Emerald Club Priority.

  2. DJ|

    November, 2019 you WILL have to be flying AA to get into admirals club.

    From their website:
    Starting November 1, 2019
    Boarding passes for same-day travel on American Airlines or partner airlines will be required for entry.1

    1 Any departing or arriving flight: marketed or operated by American Airlines, marketed and operated by any oneworld® partner carrier, marketed and operated by American Airlines or Alaska Airlines in any combination

    This no longer makes this card worth it to me, as all of my lounge use is based on location of the lounge and not based on the airline I’m flying.

  3. Candie Moniz|

    Thanks for the great info! Looking forward to more updates on this.

  4. Martin|

    The Citi AAdvantage Executive World Elite is blocked from being used with Google Pay. It makes it kinda a non-starter if you have an Android phone. It should be pointed out in this article before forking over the annual fee.

    1. Johnny Jet Editorial|

      Thanks for your comment, Martin. You are correct. I’ve added a little note about Google Pay to the post. Hopefully, the AAdvantage cards will be added.

  5. Matt McClure|

    One enormous perk is the Citi AA Executive Card also affords entry to up to 8 additional cardholders to get into an Admirals Club. All without having to travel with the primary cardholder. And each of those 8 may take one guest free. I gave a copy to my brother, my wife, and both daughters. Solid benefit.

    1. Johnny Jet Editorial|

      Thanks for your comment, Matt McClure. That’s excellent!

  6. Butch|

    You can add up to 10 authorized user. Each user can bring 2 guest.

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