【August 24, 2026 update】 This premium American Airlines co-branded card was upgraded to the World Legend version in August 2026, with a record-high welcome offer of 125,000 AAdvantage miles.
Its core benefit is still Admirals Club® membership, while the earning rates for AAdvantage Hotels® and AAdvantage Cars® have increased to 12x and the card now includes larger annual travel credits.
Highlights
- The primary cardmember receives Admirals Club® membership, with unlimited access to more than 100 Admirals Club® locations and partner lounges, plus up to two guests or immediate family members.
- Earn 12 AAdvantage miles per $1 on eligible bookings through AAdvantage Hotels® or AAdvantage Cars®.
- Earn 4x on eligible American Airlines purchases; after $150,000 in calendar-year spending, the rate increases to 5x for the rest of that year.
- There are no foreign transaction fees. The primary cardmember and up to eight companions on the same reservation receive a free first checked bag and priority airport benefits on eligible American Airlines domestic flights.
Issuer: Citi
Payment network: Mastercard
Card type: Credit card
Annual fee: $695 for the primary card; $175 total for the first three authorized users, then $175 for each additional authorized user
Foreign transaction fee: None
Everyday spending earns miles in the American Airlines AAdvantage® programme. Each mile earned from an eligible purchase also counts as one Loyalty Point toward AAdvantage status; it is not an additional multiplier of redeemable miles.
Read next: An Introduction to the American Airlines AAdvantage Frequent-Flyer Programme
Welcome Offer
【August 24, 2026 update】 A limited-time offer provides up to 125,000 AAdvantage miles.
- Spend $15,000 on eligible purchases within the first five months after opening the account to earn 125,000 AAdvantage bonus miles.
- You are not eligible if you received a new-account bonus for a Citi / AAdvantage Executive account within the past 48 months, or converted another Citi credit card that earned a new-account bonus into an Executive card within the past 48 months.
- Only purchases that post during the offer period count. Balance transfers, cash advances, account-access cheques, returns, interest and account fees, travellers cheques, foreign-currency purchases, money orders, wire transfers and similar cash-like transactions, lottery tickets, and gaming chips are not eligible purchases. Citi says the bonus miles typically post to the AAdvantage account within 8 to 10 weeks after the requirement is met.
Apply on the official website🔗
Everyday Earning
12x: Earn 12 AAdvantage miles per $1 on eligible hotel and car-rental bookings made through AAdvantage Hotels® and AAdvantage Cars®. Citi does not state a spending cap for either earning category on the product page.
5x: After reaching $150,000 in calendar-year spending on this card, eligible American Airlines purchases earn a total of 5 AAdvantage miles per $1 for the rest of that calendar year. The purchases must post by December 31 of that year.
4x: Before reaching the $150,000 threshold, eligible American Airlines purchases earn 4 AAdvantage miles per $1.
1x: All other purchases earn 1 AAdvantage mile per $1. The official website does not state a cap on miles earned.
Each eligible AAdvantage mile earned from spending also earns one Loyalty Point. When the primary cardmember reaches 50,000, 90,000, 165,000, and 240,000 Loyalty Points in the same status qualification year, they can receive 10,000 additional Loyalty Points at each milestone, up to 40,000 total.
Benefits & Insurance
- Admirals Club® membership
The primary cardmember receives unlimited access to more than 100 Admirals Club® locations and partner lounges, with up to two guests or immediate family members each time. Citi values this benefit at up to $1,400, but the lounges available and guest rules are subject to American Airlines’ current policies.
- Enhanced airport experience and first checked bag free
The primary cardmember and up to eight companions on the same reservation receive a free first checked bag on eligible American Airlines domestic itineraries, plus priority check-in, priority screening where available, and priority boarding. Companions must be on the same reservation.
- American Airlines Vacations℠ credit
Receive up to $500 in statement credits each calendar year for eligible travel packages or Experiences purchased through American Airlines Vacations℠. The credit is split into up to $250 from January through June and up to $250 from July through December. The website defines eligible purchases as travel packages or Experiences purchased through aavacations.com.
- Inflight and eligible Admirals Club® purchases credit
Receive up to $100 in statement credits each calendar year for eligible inflight and eligible Admirals Club® purchases paid with the card. Citi’s product page does not specify which Admirals Club purchase categories qualify.
- Lyft monthly credit
Take three eligible Lyft rides paid with the card in a calendar month to receive a $15 Lyft credit, up to $180 per year and limited to one credit per Lyft account per month. The rides can be paid fully or partially with the card, but payments made with a virtual account, virtual card number, Apple Pay, or other digital wallet do not count. This benefit is available only in the United States, including Puerto Rico, and the credit expires 30 days after it is added to the Lyft account.
- Eligible prepaid Avis® and Budget car-rental credit
Receive up to $120 in statement credits each calendar year for eligible prepaid car rentals booked directly through avis.com or budget.com. Citi’s product page does not specify the eligible vehicle types, rental periods, or geographic restrictions.
- Global Entry® or TSA PreCheck® application-fee credit
Receive up to $120 in statement credits every four years when you use the card to pay the Global Entry® or TSA PreCheck® application fee.
- Hotel and car-rental status
The primary cardmember can enrol in Omni Hotels and Resorts Champion Status, which includes early check-in, late checkout, and room upgrades when available. After enrolling, completing an eligible stay of at least two consecutive nights booked directly through omnihotels.com earns one Omni Free Night Award each calendar year. Cardmembers can also enrol in Avis President’s Club through August 31, 2028. The benefits listed on the official website include upgrades, no-counter service at major airports, and a complimentary additional driver.
- World Legend and The Mastercard Collection benefits
World Legend members can use Mastercard Collection services such as priority restaurant reservations and access to music, theatre, and sports tickets, as well as Mastercard priceless® experiences. Specific merchants, available countries, and booking rules are subject to Mastercard’s programme terms at the time.
Travel Insurance
Official insurance certificate🔗
- Trip Cancellation & Interruption Protection
When you pay at least part of a prepaid trip with this card and/or AAdvantage miles, a covered unexpected event can trigger coverage if you need to cancel, interrupt, or reasonably extend the trip. Coverage is up to $5,000 per trip, limited to the lower of the amount paid with the card or miles and the per-trip maximum. Cancellation coverage runs from the purchase date to the departure date, while interruption coverage runs from departure until the trip ends. Common covered reasons include a serious illness, injury, or death of a covered traveller or family member, layoff, jury duty or a subpoena, active military duty, certain weather or natural disasters, quarantine, hijacking, supplier insolvency, mandatory evacuation, and a government-certified terrorist event. This is secondary coverage. Notify the travel supplier as soon as possible, report the claim within 60 days after the cancellation, interruption, or extension, and return the documents within 180 days. Voluntary itinerary changes, events that occurred before booking, and missing passports or visas are not covered.
- Trip Delay Protection
When you pay at least part of a Common Carrier fare with this card and/or AAdvantage miles, a delay of at least six hours involving a plane, train, ferry, cruise ship, or another Common Carrier can reimburse each covered traveller for up to $500 per trip. Covered expenses include reasonable lodging, meals, ground transportation other than rental cars, and necessities. Covered causes include a carrier delay or cancellation, a lost or stolen passport or travel document, an involuntary denied boarding because of an oversold flight, severe weather, a natural disaster, an unannounced strike, quarantine, or hijacking. This is secondary coverage. Report the claim within 60 days and return documents within 180 days. Voluntarily accepting compensation for an oversold flight, or a missed connection caused by a delay of less than six hours, is not covered.
- Lost Baggage Protection
When you pay at least part of a Common Carrier fare with this card and/or AAdvantage miles, checked baggage that is lost, stolen, or damaged while under the carrier’s control is covered up to $3,000 per covered traveller per trip. New York residents are limited to $2,000 per bag, and all travellers are limited to $10,000 per trip. The benefit pays the lower of the purchase price including sales tax or the repair cost and is secondary coverage. Report the incident to the carrier before leaving the airport or station and keep a copy of the report. Report the claim within 60 days and return documents within 180 days. Antiques, collectibles, cash and cash equivalents, tickets, passports and visas, bullion, and other listed exclusions are not covered.
- Worldwide Car Rental Insurance
You must pay the entire rental with this card and/or AAdvantage miles and decline the rental company’s collision loss or damage coverage. If a discount is applied, the remaining rental amount must still be paid with the card or miles. The rental period can be no more than 31 consecutive days. For an accident, natural disaster, intentional damage, or theft, coverage is up to $75,000 per rental car and can pay the lower of the repair cost or actual cash value, plus reasonable towing costs. Coverage is primary outside the United States and secondary inside the United States. It does not cover bodily injury, liability, damage to third-party property or another vehicle, diminished value, loss of use, additional expenses or taxes, improper use, commercial passenger service, or peer-to-peer car sharing. Report an accident or theft as soon as possible and return documents within 180 days.
Shopping Insurance
- Damage & Theft Purchase Protection
Eligible items paid for at least partly with this card are covered if they are damaged or stolen within 90 days of purchase or delivery, whichever comes first. Coverage is up to $10,000 per incident and $50,000 per account per calendar year, limited to the lower of the amount paid with the card or the applicable maximum. This is secondary coverage and may cover a deductible under other insurance. Vehicles and tyres, consumables, cash, gift cards and tickets, items purchased for resale or professional use, services, watches and jewellery, and firearms are excluded. Items that were not reasonably protected, were misused, had a product defect, suffered normal wear, or were in a third party’s custody are also excluded. Report the incident promptly and return the documents within 180 days. A police report is required for theft.
- Extended Warranty
Eligible items paid for at least partly with this card receive an additional 24 months of coverage after the manufacturer’s warranty expires. If you purchase an extended warranty separately, Citi’s coverage begins after that extended warranty ends. Total coverage lasts up to seven years from the purchase date. The maximum per item is the lower of the repair or replacement cost, purchase price, amount paid with the card, or $10,000. Vehicles and tyres, services not covered by the manufacturer’s warranty, used or pre-owned items, items purchased for resale or professional use, real property, plants and animals, and items without a manufacturer’s warranty are excluded. Neglect, recalls or product defects, normal wear, and damage from natural disasters are also excluded. Report the incident promptly and return the documents within 180 days.
