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Citi credit card

Citi® / AAdvantage® Executive World Legend Mastercard®

  • Bonus down · 125,00080,000 · Nov 1, 2026

$695 a year. 80,000 AAdvantage miles after you spend $8,000 in 3 months. Purchase APR 19.74–29.74%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Citi’s terms

Welcome offer

80,000 miles

After you spend $8,000 on purchases in your first 3 months.

Spending it takes
$2,667 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

Product page offer: earn 80,000 AAdvantage bonus miles after $8,000 in purchases in the first 3 months. New cardmembers only. Subject to credit approval. Not available if you received a new account bonus for a Citi / AAdvantage Executive account in the past 48 months or converted another Citi credit card account on which you earned a new account bonus in the last 48 months. Note: the embedded offers section of the same document states a different offer: 125,000 AAdvantage bonus miles after $15,000 in purchases in the first 5 months.

  • Below its best earlier offer we’ve seen: 125,000 AAdvantage miles.

Who can get it: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

“American Airlines AAdvantage ® new cardmember bonus offer not available if you have received a new account bonus for a Citi ® / AAdvantage ® Executive account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi ® / AAdvantage ® Executive ® account.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender−$575−$575
Typical spender−$395−$395
Heavy spender$875$75
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢; welcome bonus needs $8,000 in 3 months; not counted: 12x eligible AAdvantage Hotels bookings.

−$575a year

The same in the first year and after.

Rewards and credits$120

−$575 after the fee−$695 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; welcome bonus needs $8,000 in 3 months.

−$395a year

The same in the first year and after.

Rewards and credits$300

−$395 after the fee−$695 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢; welcome bonus needs $8,000 in 3 months.

$75a year

$875 the first year, with the welcome bonus.

Rewards and credits$770

You keep $75−$695 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 12x eligible AAdvantage Hotels bookings; points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Other miles cards with fees over $300

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

American Airlines AAdvantage

How you earn

12×
eligible AAdvantage Hotels bookingseligible AAdvantage Cars bookings
4×
eligible American Airlines purchases
1×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Benefits

  • American Airlines Vacations statement credit: $250 semiannual
  • Citi / AAdvantage Executive Dining Credit (inKind): $100 semiannual
  • Inflight and eligible Admirals Club purchases statement credit: $100 annual
  • Prepaid Avis and Budget car rental statement credit: $120 annual
  • Lyft credit: $15 monthly
All 23 benefits
  • Global Entry or TSA PreCheck application fee credit: $120 every 4 years
  • Complimentary Avis President's Club status (Complimentary through August 31, 2028. Primary cardmembers are eligible to enroll via the primary cardmember's AAdvantage Rewards page in their AAdvantage account.)
  • Complimentary Omni Hotels and Resorts Champion Status (Primary cardmembers are eligible to enroll. Enrollment is required for the Omni Free Night Award benefit.)
  • First checked bag free on domestic American Airlines itineraries for you and up to 8 companions on the same reservation
  • Up to $120 Global Entry or TSA PreCheck application fee credit every 4 years
  • Admirals Club membership: unlimited visits for the primary cardmember and up to 2 guests or immediate family members to more than 100 Admirals Club and partner lounges worldwide
  • Omni Hotels and Resorts Champion Status (primary cardmembers; enrollment required; early check-in, late check-out and room upgrades subject to availability)
  • Avis President's Club status (complimentary through August 31, 2028; primary cardmembers may enroll)
  • Omni Free Night Award: once per calendar year after completing a stay of two or more consecutive nights booked directly through Omni Hotels and Resorts on omnihotels.com (enrollment in Champion Status required)
  • 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year (up to 40,000 Loyalty Points total)
  • 1 Loyalty Point toward AAdvantage status for every eligible AAdvantage mile earned
  • No foreign transaction fees
  • Enhanced airport experience
  • Citi Entertainment access to presale tickets and exclusive experiences
  • Trip delay
  • Trip cancellation
  • Baggage
  • Rental car

Changes

125,000 AAdvantage miles80,000 AAdvantage miles since Nov 1Sep 29Today
  • Nov 1, 2026 Bonus 125,00080,000

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

Questions

What is the annual fee?
$695 · citi.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
No. · citi.com, since Sep 29, 2026
What is the purchase APR?
19.74–29.74% APR · citi.com, since Oct 8, 2026
Is there a welcome bonus?
80,000 AAdvantage miles after $8,000 in purchases in 3 months. · citi.com, since Nov 1, 2026
See it on citi.com

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