Citi® / AAdvantage® Executive World Elite Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard® Review

This is a rewards credit card issued by Citi®. If you're wondering whether Citi® / AAdvantage® Executive World Elite Mastercard® is the right card for you, read on.

Key Takeaways

• Signup bonus. Offers a signup bonus of 50000 points after spending $5,000 within 3 months that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.24% up to 27.24%.
• 5% Balance transfer fee. Citi® / AAdvantage® Executive World Elite Mastercard® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Citi® / AAdvantage® Executive World Elite Mastercard®

The Good	The Bad
Complimentary Admirals Club® membership come with this card. Multiple credit card perks. Free access to your credit score. Global Entry/TSA Pre✓®. No foreign transaction fee. Cardholders can earn rewards on their purchases. Citi® / AAdvantage® Executive World Elite Mastercard® reports to multiple credit bureaus.	There is a high annual fee of $450 to consider when applying. Higher than average purchase APRs. You need good credit to qualify. Charges an annual fee of $450 Charges a 5% balance transfer fee.

Citi® / AAdvantage® Executive World Elite Mastercard® FAQ

Does Citi® / AAdvantage® Executive World Elite Mastercard® have a cash back or rewards program?

Citi® / AAdvantage® Executive World Elite Mastercard® is a travel rewards card.

Citi® / AAdvantage® Executive World Elite Mastercard® Rewards

Minimum rewards rate	1x
Max rewards rate	2x
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	50000
Signup Bonus Spend Requirement	$5000
Signup Bonus Spend Period (months)	3 months

What are the Citi® / AAdvantage® Executive World Elite Mastercard® benefits?

It provides the following benefits:

• Free Credit Score
• Emergency Support
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Citi® / AAdvantage® Executive World Elite Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Citi® / AAdvantage® Executive World Elite Mastercard® has a variable purchase APR that ranges from 18.24% up to 27.24%. The card has a variable balance transfer APR that ranges from 18.24% up to 27.24%. It also has a variable cash advance APR of 27.49% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Citi® / AAdvantage® Executive World Elite Mastercard®?

The following fees apply:

Citi® / AAdvantage® Executive World Elite Mastercard® Fees

Fees	Amount
Annual Fee	$450
Foreign Transaction Fee	0%
Returned Payment Fee	up to $41
Late Payment Fee	up to $41

Does Citi® / AAdvantage® Executive World Elite Mastercard® report your account activity to credit bureaus?

Yes, Citi® / AAdvantage® Executive World Elite Mastercard® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Citi® / AAdvantage® Executive World Elite Mastercard®

• Visit the Citi® / AAdvantage® Executive World Elite Mastercard® website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.