All comparisons
Head-to-head, 2026
Citi AAdvantage Business Citi AAdvantage Executive
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
Citi
AAdvantage Business
- Annual fee
- $595
- Network
- mastercard
- Welcome value
- —
- Min spend
- —
Top earning rates
- 10×Hotels and car rentals · American Airlines AAdvantage
- 4×American Airlines purchases · American Airlines AAdvantage
- 1×All other purchases · American Airlines AAdvantage
Key benefits
- Companion Certificate (Spend Tier) · $300
- First checked bag free · $140
- Preferred boarding · $0
- Earn Loyalty Points · $0
- 25% Inflight Savings · $0
Citi
AAdvantage Executive
- Annual fee
- $595
- Network
- mastercard
- Welcome value
- $1,250
- Min spend
- $15,000 / 5mo
Top earning rates
- 10×Car rentals and hotels · American Airlines AAdvantage
- 4×American Airlines purchases · American Airlines AAdvantage
- 1×All other purchases · American Airlines AAdvantage
Key benefits
- First checked bag free · $140
- Global Entry or TSA PreCheck application fee credit · $120
- Avis and Budget prepaid rental credit · $120
- Monthly Lyft credit · $10
- Monthly Grubhub statement credit · $10
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
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