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Citi® / AAdvantage® Executive World Legend Mastercard®

American AAdvantage

Welcome bonus

125,000 miles

≈ $1,850 at 1.48¢ per mile

after $15,000 spend in 5 months

Annual fee$695

Value per mile~1.48¢median of 6 published valuations

First-year value*−$205easy credits counted · −$235 with none

Year 2+ value*−$205each year after the first, after the fee · −$235 with no credits

$695 fee vs $930 in stated credits a yearFace value. You’d use $30 by our default → yearly cost after year 1 $665 ↓

Worth ~1.48¢/mi, median of 6 published valuations

AwardWallet 2.56¢
NerdWallet 1.7¢
One Mile at a Time 1.5¢
The Points Guy 1.45¢
Upgraded Points 1.4¢
Frequent Miler (RRV) 1.4¢

Range 1.4–2.56¢. No published value from Bankrate. Checked 2026-10-23. How we use these

See the offer on Citi’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: Citi card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.48¢ per mile (median of published valuations) — see method.

Credits & perks

Annual fee$695

Stated credits a year$930face value, as Citi states it

Citi also states $1,400/yr of value for perks such as lounge access (listed below, not in this total)

Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

Which would you actually use?

Our assumption: the boxes ticked to start are the “easy” credits: broad, flexible or automatic (general travel credits, airline-fee credits on any airline, Global Entry/TSA, anniversary free nights). Niche or single-merchant credits start unticked. Your choices are saved in this browser and also used by the calculator.

American Airlines Vacations credit$500/yrup to $250 Jan–Jun + $250 Jul–Dec · Eligible American Airlines Vacations packages. Half-yearly.niche co-brand
Lyft credits$180/yr$15 credit in any month you take 3 eligible rides · Pay with the card; monthly, needs 3 rides that month.niche rideshare
Avis / Budget prepaid rental credit$120/yrup to $120 per calendar year · Prepaid rentals on avis.com or budget.com.niche co-brand
Inflight and Admirals Club purchase credit$100/yrup to $100 per calendar year · Inflight purchases and eligible Admirals Club purchases.niche airline
Global Entry / TSA PreCheck / NEXUS application fee credit$120 every 4 yrs ≈ $30/yrup to $120 once every 4 years · Pay the application fee with the card; one credit every 4 years.easy airport
Admirals Club membership with guest access$1,400/yrissuer-statedCiti: “up to $1,400 in value”. A perk, not a statement credit: ticking it counts the issuer’s figure as money saved.lounge unticked by default

Your net cost$665Yearly cost after year 1: annual fee − credits you’ll use ($30)

Year 2+ value*−$205each year after the first, after the annual fee, with your ticks

First-year value*−$205bonus + earning + credits − fee

Counts each ticked credit at 100% of face value. Global Entry/TSA counts as a quarter a year. Free nights use our point values. *At our sample profile; how credits are counted.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

bags First checked bag free on domestic American Airlines itineraries for you and up to 8 companions
status Omni Hotels Champion status (enrollment)
status 10,000 Loyalty Point bonuses at 50k, 90k, 165k and 240k Loyalty Points

Source: Citi card page and benefit terms · checked 2026-10-23.

How it earns

4x American only Flights (booked with the airline)
1x everything else

12x on eligible AAdvantage Hotels and Cars bookings (not modeled). 5x on American after $150,000 spend/yr.

Offer details

125,000 miles after $15,000 in 5 months

Annual fee $695. Credits from the issuer page are in Credits & perks above.

Questions about the Citi AAdvantage Executive

What is the Citi AAdvantage Executive welcome bonus?

125,000 miles after $15,000 in 5 months, about $1,850 at the median published point value, per Citi’s card page checked October 23, 2026.

What is the Citi AAdvantage Executive annual fee?

$695 a year, as listed on Citi’s page on October 23, 2026.

How much are its miles worth?

About 1.48¢ each: the median of 6 published valuations (range 1.4–2.56¢), checked October 23, 2026.

What credits does the Citi AAdvantage Executive include?

$930 a year in stated credits at face value, across 5 credits. By our default (only easy, flexible credits) you’d use $30, so the yearly cost after year 1 is $665.

Is the Citi AAdvantage Executive worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to −$205 in the first year and −$205 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

Data notes:

Limited-time offer.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

A year of earning: 31,100 miles × 1.48¢	$460
Global Entry / TSA PreCheck / NEXUS application fee credit ($120 ÷ 4 yrs)	$30
Annual fee	−$695
First year / Year 2+	−$205 / −$205

Your spend (~$12,958 in 5 months) may miss the $15,000 minimum, so the bonus is not counted.

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.