- Welcome
- 80,000 miles
- Annual fee
- $99 (waived first year)
Advertiser disclosure: we are paid when you apply through some links on this page. We're paid when you apply via some links. Details
Citi · aadvantage
Citi / AAdvantage Executive World Legend Mastercard
4.1 / 5
American AAdvantage miles · Personal card
The August 23, 2026 refresh raised the fee to $695 but backed it with real value: a $500 AA Vacations credit, a new $100 inflight/Admirals Club credit, a bigger Lyft credit, and Omni elite status stack on top of the Admirals Club membership. It's $100 more expensive than before, but still the cheapest way to buy lounge access for the whole family.
At a glance
- Welcome bonus
- 125,000 miles
- Spend $15,000 in 5 months
- Annual fee
- $695
- Year-one and ongoing
- Purchase APR
- 19.74% to 29.74%
- No intro APR
- FX fee
- None
Editorial
Our take
The August 23, 2026 refresh raised the fee to $695 but backed it with real value: a $500 AA Vacations credit, a new $100 inflight/Admirals Club credit, a bigger Lyft credit, and Omni elite status stack on top of the Admirals Club membership. It's $100 more expensive than before, but still the cheapest way to buy lounge access for the whole family.
Verdict
Pros & cons
Pros
- Admirals Club membership plus family access
- Authorized users get lounge access
- 12x on AAdvantage Hotels and Cars bookings, up from 10x
- $500 AA Vacations credit plus $180 Lyft credit annually
Cons
- $695 annual fee, up from $595
- No meaningful travel insurance
- 1x outside AA purchases
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| American Airlines purchases | 4x miles | 5x after $150,000 in purchases in a calendar year. |
| Hotels & cars via issuer portal | 12x miles | Hotels and rental cars booked through AAdvantage Hotels and Cars, increased from 10x in the August 2026 refresh. |
| All other purchases | 1x miles |
Benefits
Key benefits
Admirals Club membership
Unlimited access to Admirals Club and partner lounges for you plus immediate family or up to two guests per visit.
Four Loyalty Points tiers
Earn 10,000 bonus Loyalty Points each at the 50k, 90k, 165k, and 240k thresholds, up to 40,000 a year, double the prior 20,000 cap.
$800 in partner credits
Up to $500 for AA Vacations, $180 for Lyft, $120 for Avis Budget, and $100 for inflight and Admirals Club purchases each year.
New elite-status perks
Complimentary Omni Hotels & Resorts Champion Status with an annual free night, plus Avis President's Club status.
Fit
Who this is best for
- AA flyers who use Admirals Clubs
- Families sharing lounge access via authorized users
FAQ
Frequently asked questions
What is the AAdvantage Executive World Legend welcome bonus?
Earn 125,000 bonus miles after spending $15,000 in the first 5 months.
Does the AAdvantage Executive World Legend charge an annual fee?
Yes. The annual fee is $695 every year.
Does the AAdvantage Executive World Legend have a foreign transaction fee?
No. The AAdvantage Executive World Legend charges no foreign transaction fee, so it works well for international purchases.
What APR does the AAdvantage Executive World Legend charge?
The purchase APR is 19.74% to 29.74% variable.
Who is the AAdvantage Executive World Legend best for?
AA flyers who use Admirals Clubs. Families sharing lounge access via authorized users.
Similar
Related cards
3.4 / 5
- Welcome
- 15,000 miles
- Annual fee
- $0
Atmos Rewards Summit Visa Infinite Credit Card
bank of america
4.3 / 5
- Welcome
- 70,000 points
- Annual fee
- $395
Apply
Citi / AAdvantage Executive World Legend Mastercard
Spend $15,000 in 5 months
Rates accurate as of October 6, 2026. Issuer terms.