Credit Cards » Compare Credit Cards » Citi/AAdvantage Executive World Elite vs. Citi/AAdvantage Platinum Select
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Citi/AAdvantage Executive World Elite vs. Citi/AAdvantage Platinum Select

The Citi/AAdvantage Executive offers better cashback value and perks than the Platinum Select, but usually it doesn't worth the annual fee
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The Citi/AAdvantage Executive World Elite and Citi/AAdvantage Platinum Select are two credit cards offered by Citibank, both affiliated with American Airlines' AAdvantage program. While they share the same airline partnership, they cater to different consumer needs and financial profiles.

General Comparison

The Executive World Elite card is designed for frequent travelers who value premium perks. With a higher annual fee, it offers higher points rewards ratio on travel categories, Admirals Club membership, statement credits and many other travel perks.

Citi AAdvantage Executive World Elite Mastercard Credit Card overview
(Photo by photobyphotoboy/Shutterstock)

In contrast, the Platinum Select card targets a broader audience, particularly those seeking a balance between benefits and cost. It features a lower annual fee and offers advantages such as free checked bags and preferred boarding.

Here's a side by side comparison of the card's main features:

Citi AAdvantage® Executive World Elite Mastercard®

Citi/AAdvantage Executive World Elite
Citi/AAdvantage Platinum Select
Annual Fee
$525
$99 (waived for the first 12 months)
Rewards
10X AAdvantage® miles on eligible rental cars/hotels through aa.com, 4X miles on eligible American Airlines purchases and 1X on all other purchases
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Welcome bonus
70,000 American Airlines AAdvantage® bonus miles after spending $7,000 in purchases within the first 3 months of account opening
50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
21.24% – 29.99% (Variable)
21.24% – 29.99% (Variable)
Read Review
Read Review
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Point Rewards: Which Card Wins?

Based on our analysis, the Citi/AAdvantage Executive World Elite is a clear winner, especially if you mainly use your card for travel purchases such as flights and hotels:

Citi AAdvantage® Executive World Elite Mastercard®

Spend Per Category
AAdvantage Executive World Elite
AAdvantage Platinum Select
$10,000 – U.S Supermarkets
10,000 miles
10,000 miles
$5,000 – Restaurants
5,000 miles
10,000 miles
$4,000 – Hotels
40,000 miles
4,000 miles
$5,000 – Airline
20,000 miles
10,000 miles
$4,000 – Gas
4,000 miles
8,000 miles
Total Points
79,000 miles
42,000 miles
Estimated Redemption Value
1 mile ~1.5 cents
1 mile ~1.5 cents
Estimated Annual Value
$1,185
$630

With the both Cards, you can redeem your points for a variety of options. This includes cash back, travel rewards, gift cards, and merchandise. Whether you prefer getting money back, planning a getaway, or treating yourself with gift cards or items, the card provides flexible and straightforward redemption choices.

Use American Airlines Select Platinum card miles to book a flight
Use American Airlines Select Platinum card miles to book a flight (screenshot taken by our team from AA app)

Which Benefits Of You'll Get On Both Cards?

There are some additional types of perks that you will see with both of these cards:

  • First Checked Bag Free: Travelers with the AAdvantage cards enjoy the benefit of a first checked bag free on domestic American Airlines itineraries for themselves and up to four companions on the same reservation.
  • Preferred Boarding: Cardholders also receive preferred boarding on American Airlines flights, allowing them to save time and enhance productivity during the boarding process.
  • 25% Savings on Inflight Food and Beverage: When using the card on American Airlines flights, users receive a 25% discount on purchases of inflight food and beverages, providing additional savings during air travel.
  • $0 Liability On Unauthorized Charges: ensuring you are not held responsible for charges you did not authorize.
25% off on food and drink in AA flights
Cardholders get 25% off on food and drink in AA flights (Photo by Ceri Breeze/Shutterstock)

Citi/AAdvantage Platinum Select Unique Benefits

The AAdvantage Platinum Select offers this benefit for cardholders:

  • $125 American Airlines Flight Discount: By spending $20,000 or more in purchases during the cardmembership year and renewing the card, users can earn a $125 American Airlines Flight Discount, adding a valuable incentive for cardholders who meet the specified spending threshold.

Citi/AAdvantage Executive World Elite Unique Benefits

The Citi/AAdvantage Executive World Elite provides many unique, premium airline and travel benefits, including:

  • Enhanced Airport Experience: Receive priority check-in, screening, and boarding privileges for you and up to eight travel companions on the same reservation, enhancing your overall airport experience.
  • Admirals Club® Membership: Gain access to nearly 100 Admirals Club® and partner lounges worldwide, with the flexibility to bring immediate family or up to 2 guests.
Admirals Club lounge at LAX airport, Los Angeles
Admirals Club lounge at LAX airport, Los Angeles. (Photo by Mystic Stock Photography/Shutterstock)
  • Dedicated Concierge: Access a dedicated concierge service for expert assistance with foreign and domestic travel, shopping, dining, household, and entertainment needs.
  • TSA PreCheck® or Global Entry Application Fee Credit: Get a statement credit, up to $100 every 4 years, as reimbursement for your application fee for Global Entry or TSA PreCheck®.
  • Up to $120 in Lyft Credits: Earn a $10 Lyft credit after taking 3 eligible rides in a calendar month, for a total of up to $120 Lyft credits annually.
  • Up to $120 Back on Eligible Avis® and Budget Car Rentals: Earn $1 statement credit per $1 spent on eligible Avis® and Budget car rental purchases, up to $120 every calendar year.
  • Up to $120 Back on Eligible Grubhub Purchases: Earn a statement credit of up to $10 per monthly billing statement on eligible Grubhub purchases, totaling up to $120 every 12 billing statements.
  • Loyalty Points Bonuses: Earn a 10,000 Loyalty Points bonus after reaching 50,000 Loyalty Points in a status qualification year, and an additional 10,000 Loyalty Points bonus after reaching 90,000 Loyalty Points in the same status qualification year.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Citi/AAdvantage Executive World Elite Protections

In addition to unique travel perks, the Citi/AAdvantage Executive World Elite provides travel insurance and protections:

  • Car Rental Loss and Damage Insurance: When you reserve and pay for a rental vehicle with your Card, declining the rental counter's collision damage waiver, you can be protected against damage or theft in specific regions, subject to certain exclusions and limitations

  • Trip Delay Insurance: If your trip faces a delay of more than 6 hours due to a covered reason and you paid for the round-trip with your Eligible Card.

  • Baggage Insurance Plan: When you purchase a common carrier vehicle ticket with your Eligible Card, you can receive coverage for lost, damaged, or stolen baggage.

  • Trip Cancellation and Interruption Insurance: Buying a round-trip with your Card can assist in the event of trip cancellation or interruption, following the specified terms and conditions.

When You Might Want The Citi/AAdvantage Executive?

You might prefer the Citi/AAdvantage Executive card over the AAdvantage Platinum Select card in the following situations:

  • You Want a Card With a Reasonable Annual Fee: The Citi/AAdvantage Platinum Select is a better choice for those who prioritize cost-effectiveness. With a lower annual fee compared to the Executive World Elite, it provides valuable travel perks, such as free checked bags and preferred boarding, without a substantial financial commitment.

  • You're An Occasional Traveler: If you travel infrequently, the Platinum Select may be more suitable. Its lower annual fee makes it a more budget-friendly option for individuals who don't require the premium benefits associated with the Executive World Elite but still want to earn AAdvantage miles for occasional travel.

  • You're Focus On Dining And Gas Spending: If you spend a lot on dining and gas, the Platinum Select card's 2x miles earning rate on these categories can help you earn more miles than the Executive card.

Book an experience with AA Select Platinum card
(screenshot taken by our team from American Airlines app)

When You Might Want The AAdvantage Platinum Select?

You might prefer the Citi/AAdvantage Executive card over the AAdvantage Platinum Select card in the following situations:

  • You Want Better Point Rewards Ratio On Travel: When it comes to flights and hotels, the Executive card offers significantly higher points rewards ratio, so if you plan to spend a high amount on these categories -this card may be a better option.

  • You Want Premium Travel Perks: If you prioritize luxury and premium travel amenities, the Executive World Elite is the better choice. The exclusive access to Admirals Club lounges provides a tranquil and well-appointed space for relaxation, making it suitable for individuals who value an elevated travel experience.

  • You Want Travel Insurance And Protections: The Citi/AAdvantage Executive World Elite offers protections and travel insurance options that are not included in the Platinum Select card.

Compare The Alternatives

If you're looking for an airline miles credit card– there are some excellent alternatives you may want to consider:

united infinite card

amex platinum

Delta SkyMiles® Reserve American Express Card

United Club Infinite Card
The Platinum Card® from American Express
Delta SkyMiles® Reserve American Express
Annual Fee
$525
Rewards
Up to 4x miles 4x miles on United Airlines purchases, 2x miles on all other travel purchases, dining and eligible delivery services and 1x miles on all other purchases
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
1X – 3X 3X miles per dollar on eligible Delta flights and Delta Vacations® with 1X miles on all other purchases
Welcome bonus
90,000 miles 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
60,000 miles Earn 60,000 bonus miles after you spend $5,000 in purchases on your new card in your first six months
Foreign Transaction Fee
$0
$0
Purchase APR
21.99% – 28.99% variable
21.24% – 29.24% APR Variable
20.99%-29.99% Variable

Compare AAdvantage Platinum Select

We think that for most consumers, the no-annual-fee AAdvantage MileUp card may be a better option. When you may consider the Platinum Select?

American Airlines AAdvantage MileUp vs. Platinum Select

Paying an annual fee with higher rewards rate & benefits, or getting a no annual fee card with access to Amex membership?

Here's our analysis: Delta SkyMiles Blue vs AAdvantage Platinum Select

The AAdvantage Platinum Select and the Southwest Premier card share many common features.

Here's where each card shines: AAdvantage Platinum Select vs. Southwest Rapid Rewards Premier

While the AAdvantage Platinum Select and the United Explorer Card have many common features, the Explorer card is our winner. Here's why.

Citi/AAdvantage Platinum Select vs. United Explorer: How They Compare?

While the Citi/AAdvantage Platinum Select wins at cashback value, the Aviator Red World card offers better airline perks.

AAdvantage Aviator Red World Elite Mastercard vs AAdvantage Platinum Select

The Delta Gold and AAdvantage Platinum Select offer similar cashback value, but the Delta card is the winner due to its diverse travel perks.

Delta SkyMiles Gold vs. Citi/ AAdvantage Platinum Select: Which Card Wins?

While the airline perks are quite comparable, the JetBlue Plus Card emerges as the preferred choice thanks to higher cashback rates

Citi/ AAdvantage Platinum Select vs JetBlue Plus Card: Side By Side Comparison

Compare Citi/AAdvantage Executive World Elite

When it comes to premium travel cards, these two offer nice perks and benefits. But who is the winner between the two?

Here's our analysis: United Club Infinite vs AAdvantage Executive Elite Mastercard

The AAdvantage Executive card offers higher cashback value, but when it comes to premium travel perks, the Amex Platinum is the winner.

Citi/AAdvantage Executive World Elite vs. Amex Platinum Card: Compare Cards

The AAdvantage Executive is a clear winner when it comes to cashback value. But the Delta SkyMiles Reserve wins at premium airline perks.

Citi/AAdvantage Executive World Elite vs. Delta SkyMiles Reserve: Compare Cards

Both Citi/AAdvantage Executive and Chase Sapphire Reserve offer great cashback value, but the latter is our winner. Here's why.

Citi/AAdvantage Executive World Elite vs. Chase Sapphire Reserve: Compare Cards

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.