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Update: This offer for the Citi Prestige is expired. You can find the current offer details here.
As I posted about early last week, the increased 75,000 mile sign-up bonus on the Citi AAdvantage Executive World Elite MasterCard will be ending tomorrow, Tuesday, October 27, 2015. I have to take down my links to the offer at 5PM ET, so if you want to be sure you can get in under the current offer, I’d suggest applying before then.
Details of the Citi AAdvantage Executive Card
As a reminder, the card comes with a sign-up bonus of 75,000 AAdvantage miles after spending $7,500 in purchases within the first three months of account opening. That’s a big minimum spend requirement, though those are also valuable miles. Personally I value American miles at ~1.8 cents each, so to me the 75,000 AAdvantage miles are worth $1,350.
The card does have a $450 annual fee, which isn’t waived the first year. Fortunately the Citi AAdvantage Executive World Elite MasterCard comes with some great perks which help offset the annual fee:
- An Admirals Club membership, giving you access to Admirals Clubs regardless of which airline you’re flying (while the Citi Prestige® Card is awesome, it only gives you Admirals Club access when traveling on American, so it’s not quite the same as a membership)
- 10,000 AAdvantage elite qualifying miles if you spend $40,000 on the card in a calendar year
- 25% savings on in-flight purchases of food, beverages, and headsets on flights operated by American Airlines when purchased with the card
- Priority check-in, screening, and boarding on American operated flights
This card is especially valuable for American flyers, since it gets you a full Admirals Club membership, which would otherwise cost a similar amount to the annual fee.
For more information on the bonus,, see my previous post about the card.
Which is better: Executive AAdvantage Card or Prestige Card?
Citi has a couple of “premium” cards I write about quite a bit. There’s the Citi AAdvantage Executive World Elite MasterCard, and then there’s also the Citi Prestige® Card. That card comes with a suite of perks, including the following:
- A sign-up bonus of 50,000 ThankYou Rewards points after spending $3,000 on the card within the first three months — those points can be transferred to one of their airline transfer partners, or be redeemed for $800+ worth of flights on American
- A $250 annual airline credit
- Access to American Admirals Clubs
- A fourth night free hotel benefit
- The most comprehensive Priority Pass membership offered by any card
- A $100 Global Entry fee credit
That’s a nice sign-up bonus, and ultimately I do think the card has a better long term value proposition than the Citi AAdvantage Executive World Elite MasterCard. While the Citi Prestige® Card also has a $450 annual fee, it comes with a $250 annual airline credit which nicely helps offset the annual fee on the card. By my mental accounting, that lowers the annual fee on the card to ~$200, since I value the airline credit at close to face value.
On top of that, the card comes with all the perks listed above, which justify the annual fee over and over, in my opinion.
Still, if I were applying for a card now I’d probably get the Executive AAdvantage Card now given that the sign-up bonus is supposed to end, and then would apply for the Citi Prestige® Card in the future, since there’s no end date for that sign-up bonus yet.
As a reminder, Citi’s policy when applying for new cards is as follows:
- You can only apply for one Citi card every eight days
- You can apply for no more than two Citi cards every 65 days
While there’s a big minimum spend requirement on the card, this is also the biggest sign-up bonus we’ve seen on the card this year.
Assuming you can complete the minimum spend of $7,500, I think this card is a fantastic one to apply for. I’m sure we’ll see the offer return at some point, though ultimately 75,000 AAdvantage miles will never be worth more than they are now. American miles haven’t been devalued in a long time, so personally I’d rather have 75,000 AAdvantage miles in a couple of months than a possibly higher number of miles in a couple of years, for example (though I doubt we’ll see the bonus get higher than this again for a publicly available offer).
So if you’ve been waiting to apply for the Citi AAdvantage Executive World Elite MasterCard, now is the time to do so. You have just over 24 hours left under the current offer.