This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

Premium credit cards carry hefty annual fees. Carrying more than one of them can be really expensive if you don’t maximize the benefits. However, depending upon your travel and spending patterns, this can be a no-brainer. In this article, we examine the pairing of The Platinum Card® from American Express and the Citi®/AAdvantage® Executive World Elite™ Mastercard®.

Platinum vs Executive World Elite: Annual Fee & Credits

The Citi Executive AAdvantage card carries a hefty $450 fee, but it’s a top credit card for American Airlines flyers. Think that’s expensive? The Amex Platinum carries an even higher $550 fee (See Rates & Fees).

However, for most frequent travelers, the Amex ends up costing less. You can get back most of the annual fee in the form of rebates. But, these are hard to maximize. For example, you get two $50 “use it or lose it” credits per year at Saks Fifth Avenue, and a $15 “use it or lose it” per month Uber credit.

Meanwhile, the only fee credit Citi offers is toward Global Entry or TSA Precheck. However, Global Entry costs $100 so if you don’t already have this, it’s worth using the fee credit. Also, Amex matches this credit. Note that you can use the credit for anyone you like. If you sign up for both, you might consider using one fee credit for yourself and the other for a partner or spouse.

Platinum vs Executive World Elite: Points and Welcome Offers

The more options you have to spend your points, the better the chances of successfully arranging award travel.

American Airlines AAdvantage points can only be earned via hotel programs, airline partners, and American’s own credit card partners. No transferable points currency transfers to American Airlines. But, this is one of the best programs to use for Oneworld awards due to the generally lower priced award chart than competitors. The catch is that availability is usually worse than average with American and its partners.

American Express Membership Rewards Points, meanwhile, transfer to a wide variety of airline partners covering every major alliance. The catch is that award tickets are often more expensive in these programs.

The current public welcome offer for The Platinum Card® from American Express is 60,000 Membership Rewards Points after you spend $5,000 in purchases in your first 3 months. The public signup bonus for the Citi Executive AAdvantage is the ability to earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening. Plus, you can enjoy an Admirals Club® membership (a value of up to $650), including complimentary access for authorized users.

Platinum vs Executive World Elite: Earning Rates

The Citi Executive AAdvantage card isn’t a card to get for the earning rates. You earn only one AAdvantage mile per dollar on regular purchases and 2 miles per dollar on American Airlines purchases. Given that the earning rates aren’t very advantageous, why would anyone use this card for day-to-day spending? You get 10,000 Elite Qualifying Miles after spending $40,000 in purchases within the year. For the hardcore road warrior chasing status on American Airlines, this can be all the difference in attaining Executive Platinum status.

American Express offers 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. This is the most generous bonus category benefit of any card and is perfect for anyone who purchases a lot of airfare or hotels.

Overall, both cards offer comparable earnings rates for everyday spend. Amex is better for airline and hotel spending with its generous 5x bonus category. Citi is better for the potential of earning elite qualifying miles if you spend $40,000 per year.

Platinum vs Executive World Elite: Lounge Benefits

Both cards provide access to a worldwide network of airline lounges. The American Express Platinum provides access to American Express’ own Centurion Lounge network, along with a free Priority Pass. Meanwhile, the Citi Executive AAdvantage card provides a full American Airlines Admirals Club membership. This grants access to lounges with whom American has a reciprocal lounge access arrangement.

Which is better? That depends on the airport and your preferences. If you ask me, it’s “whichever lounge is less crowded.” If you carry both cards, it’s easy to lounge hop!

American Express Platinum vs Citi Executive World Elite: Airline Benefits

The American Executive AAdvantage card provides benefits when flying with American Airlines. However, these are awfully stingy given the $450 fee: free checked bags only apply to US domestic flights (not to international flights). Pre-boarding is in Group 4.

There is a 25% discount on in-flight purchases, although you might not want to try the brisket sandwich. Plus, there is a Reduced Mileage Award program, but this is difficult to use, requiring telephone booking (which involves paying a phone booking fee). Most of the destinations for which these awards are good towards are unattractive (such as Yuma, Arizona in August and Fargo, North Dakota in November).

In short, Citi talks a good game, but the benefits don’t deliver much of real value beyond the limited bag fee waiver.

Meanwhile, Amex provides a very simple benefit: you can nominate any airline and offset up to $200 of their fees annually. Carrying both cards can be useful if you travel with American for some flights but prefer a different airline for others.

Platinum vs Executive World Elite: Hotel Status

The Amex Platinum offers Marriott Bonvoy gold elite status along with Hilton Honors Gold Status. If you stay with either chain, you might score the occasional upgrade or get a free breakfast depending upon the property.

Citi doesn’t match this benefit.

Platinum vs Executive World Elite

Platinum vs Executive World Elite: Rental Car Status

You get Avis Preferred, Hertz Gold Plus Rewards, and National Emerald Club status when you’re an Amex Platinum member. These programs allow you to pick up your car without visiting a rental counter. Citi doesn’t match this benefit.

Amex Platinum vs Citi Executive World Elite: Bottom Line 

For people who want to use most of the benefits from both cards, it can be beneficial to carry both. However, the most valuable benefit of the Citi Executive AAdvantage is the Admirals Club membership. If you’re not a frequent traveler on American Airlines but want to consider carrying one of their credit cards, it’s worth considering the Barclay AAdvantage Aviator Red card as a companion instead. This has a lower annual fee and provides the majority of the benefits offered by the Citi Executive AAdvantage.

Learn more: The Platinum Card® from American Express

Learn more: Citi AAdvantage Executive World Elite MasterCard

For rates and fees of The Platinum Card® from American Express, please click here.

Related Posts:

Amex Platinum vs Chase Sapphire Preferred

Chase Sapphire Reserve vs Amex Platinum

Amex Platinum 100k Offer

Caroline Lupini

Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

3 Comments On "Should You Get Both the Amex Platinum and Citi AAdvantage Executive World Elite?"
  1. David|

    I think you’re undervaluing the AA Exec card a bit. First, the AA Exec card has trip delay, baggage delay and cancellation insurance (Amex does not have these.) Also, it’s a World Elite Mastercard, which has a bunch of benefits:

    Finally, it beats Amex with Avis as it include Preferred Plus (free upgrades!) as well as Sixt Platinum and National Emerald Club Priority.

  2. DJ|

    November, 2019 you WILL have to be flying AA to get into admirals club.

    From their website:
    Starting November 1, 2019
    Boarding passes for same-day travel on American Airlines or partner airlines will be required for entry.1

    1 Any departing or arriving flight: marketed or operated by American Airlines, marketed and operated by any oneworld® partner carrier, marketed and operated by American Airlines or Alaska Airlines in any combination

    This no longer makes this card worth it to me, as all of my lounge use is based on location of the lounge and not based on the airline I’m flying.

  3. Candie Moniz|

    Thanks for the great info! Looking forward to more updates on this.

Leave a Reply

Required fields are marked *