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
- 2×Eligible American Airlines purchases · AAdvantage
- 2×Gas stations and car rental merchants · AAdvantage
- 2×Telecommunications merchants and cable and satellite providers · AAdvantage
- 1×All other purchases · AAdvantage
Key benefits
- Companion Certificate (Spend Tier) · $250
- 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
- —
- Min spend
- $15,000 / 5mo
Top earning rates
- 12×Eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings
- 5×Eligible American Airlines purchases
- 4×Eligible American Airlines purchases
- 1×All other purchases
Key benefits
- First checked bag free · $140
- Avis and Budget prepaid rental credit · $120
- Global Entry or TSA PreCheck application fee credit · $120
- Monthly Grubhub statement credit · $10
- Monthly Lyft 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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