Citi

Citi® / AAdvantage® Executive World Elite Mastercard®

Highest earn rate in Dining at 1.5% effective value

The Citi® / AAdvantage® Executive World Elite Mastercard® from Citi earns up to 1.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $595. New applicants may see: Earn 70,000 American Airlines AAdvantage® bonus miles after making $7,000 in purchases within the first 3 months of account opening.. Madeen compares this card against the cards you already carry — no bank login required.

Top category
Dining
Effective value
1.5%
Annual fee
$595

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Citi® / AAdvantage® Executive World Elite Mastercard® card art
Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-03
Data source Madeen catalog analysis

Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.

Madeen analysis

What does the Citi / AAdvantage Executive World Elite Mastercard earn in each category?

Dining is the strongest category at 1.5% effective value (1x miles at about 1.5 cents each). That dining rate ranks higher than about 14% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Dining is the strongest category at 1.5% effective value (1x miles at about 1.5 cents each). That dining rate ranks higher than about 14% of the 1,547 cards we track in that category.

Category Earn rate Effective value
Dining
Restaurants, cafes, takeout
1x miles 1.5% Top category
Grocery
Supermarkets and grocery stores
1x miles 1.5%
Gas
Gas stations and fuel
1x miles 1.5%
Travel
Flights, hotels, transit
1x miles 1.5%
Other
General everyday spend
1x miles 1.5%

Madeen values American AAdvantage at about 1.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

Madeen take

Who should get the Citi / AAdvantage Executive World Elite Mastercard?

The Citi / AAdvantage Executive World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 1x miles. Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.

Citi / AAdvantage Executive World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 1x miles. Madeen ranks its dining effective rate higher than about 14% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in dining and can earn 1x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.

Less compelling if the $595 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.

Best for dining-heavy spend when the $595 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Pros

  • Strongest Madeen category is dining at about 1.5% effective (1x miles).
  • No foreign transaction fee listed.
  • Welcome bonus may add value if you can meet spend requirements.
  • Includes travel or statement credits in our benefits snapshot.

Cons

  • $595 annual fee requires enough spend in bonus categories to offset.
  • American AAdvantage value depends on how you redeem, not straight cash back.
Fees and bonus

Does the Citi / AAdvantage Executive World Elite Mastercard have an annual fee, and what's the welcome bonus?

The Citi / AAdvantage Executive World Elite Mastercard has an annual fee of $595 and a foreign transaction fee of None. New applicants may see: Earn 70,000 American Airlines AAdvantage® bonus miles after making $7,000 in purchases within the first 3 months of account opening.. Confirm current issuer terms before applying.

Annual fee
$595
Foreign transaction fee
None
Signup bonus
Earn 70,000 American Airlines AAdvantage® bonus miles after making $7,000 in purchases within the first 3 months of account opening.
Travel perks

What travel perks does the Citi / AAdvantage Executive World Elite Mastercard include?

The Citi / AAdvantage Executive World Elite Mastercard includes Trusted traveler credit, Lounge access, Free checked bag, 25% Savings on Inflight Food and Beverage and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.

  • Trusted traveler creditReceive a statement credit up to $120 every 5 years for your application for Global Entry or TSA PreCheck®
  • Lounge accessAdmirals Club® Membership - Includes access to nearly 100 Admirals Club® and partner lounges worldwide. Immediate family (spouse, domestic partner and/or children under 18) or up to 2 guests may join you. Up to $850 value.
  • Free checked bagFirst checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
Benefits

What benefits come with the Citi / AAdvantage Executive World Elite Mastercard?

  • 25% Savings on Inflight Food and Beverage

    Receive 25% savings on food and beverage purchases when you use your card on American Airlines flights.

  • Citi Entertainment®

    Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more. In addition, receive access to select exclusive event offers with your Citi / AAdvantage Executive Card.

  • Dedicated Concierge

    With Dedicated Concierge, you'll have access to a staff of experts for help with your foreign and domestic travel, shopping, dining, household, and entertainment needs.

  • Enhanced Airport Experience

    Enjoy priority check-in, priority airport screening (where available) and priority boarding privileges for you and up to eight travel companions on the same reservation.

  • Extended Warranty

    Get an extra 24 months added to your warranty when you purchase items at least in part with your Citi card and/or ThankYou® Points. If your eligible item breaks, we’ll repair, reimburse or replace it, up to the amount charged on your Citi card and/or ThankYou® Points or up to $10,000 per item, whichever is less.

  • First Checked Bag Free

    First checked bag free on domestic American Airlines itineraries for you and up to 8 travel companions.

  • Global emergency servicesIncluded with World Elite Mastercard®

    Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.

  • HealthLockIncluded with World Elite Mastercard®

    Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.

Spend bonuses

What annual spend bonuses does the Citi / AAdvantage Executive World Elite Mastercard offer?

  • Earn a 10,000 Loyalty Points bonus after reaching 50,000 Loyalty Points in a status qualification year. Earn another 10,000 Loyalty Points bonus after reaching 90,000 Loyalty Points in the same status qualification year.

Common questions about the Citi / AAdvantage Executive World Elite Mastercard

Does the Citi / AAdvantage Executive World Elite Mastercard have an annual fee?

The Citi / AAdvantage Executive World Elite Mastercard carries an annual fee of $595 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.

What category earns the most with the Citi / AAdvantage Executive World Elite Mastercard?

Dining is the strongest Madeen category for the Citi / AAdvantage Executive World Elite Mastercard at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.

Does the Citi / AAdvantage Executive World Elite Mastercard charge foreign transaction fees?

The Citi / AAdvantage Executive World Elite Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

What is the Citi / AAdvantage Executive World Elite Mastercard welcome bonus?

The Citi / AAdvantage Executive World Elite Mastercard welcome offer in our snapshot: Earn 70,000 American Airlines AAdvantage® bonus miles after making $7,000 in purchases within the first 3 months of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.

Is the Citi / AAdvantage Executive World Elite Mastercard annual fee worth it?

Whether the $595 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

What credit score do you need for the Citi / AAdvantage Executive World Elite Mastercard?

Madeen's catalog lists a typical credit range of Good to Excellent for the Citi / AAdvantage Executive World Elite Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Compare

How does the Citi / AAdvantage Executive World Elite Mastercard compare to similar cards?

Compare the Citi / AAdvantage Executive World Elite Mastercard against Citi Custom Cash℠ (4% on Dining, $0 fee); Citi Forward (4% on Dining, $0 fee); Citi Prestige (4% on Dining, $495 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

CardTop categoryEffective valueAnnual fee
Citi / AAdvantage Executive World Elite Mastercard
This card
Dining1.5%$595
Dining4%$0
Dining4%$0
Dining4%$495
Dining3%$99
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