I have another Citi card but was always denied for same reason but finally did get approved for their sister card, $15k right off the bat, then I decided to take a shot on this one even though the yearly fee was steep (just like Amex platinum) which I have as well (no credit limit) but went for it anyway and instantly approved for $25K! Scores are; TU-777/EQ-770/EX-797…will make up the annual fee with the reward points so not too bad along w/the other perks!

Go for it, you won't regret!

I have the American Airlines Executive Mastercard with Citi. I would like to start off saying that I have an 850 credit score and have many other high fee cards because I travel very often with work. I have never missed a payment an consider myself to be an excellent customer. Because I fly American, I thought it would make sense for me to get this card. I enjoy the Admiral’s Club benefits, but that’s about it. I had a dispute with a merchant charge in late August. I immediately reached out to Citi. I got zero response from them, and in about a week the dispute was closed with no reason. I called in and I was told that the dispute was not able to be reopened and I that I needed to email a certain department. This call took about 15 minutes and I was forced to talk to several different departments, one that I strongly feel was not even in the US. I sent an email to the department that I was told to do so. I submitted supporting documents. Again, after about 10 days I called in to see what was happening. I got no response that the email had been received. When I called in I was told that I would get a response in just a few more days, which I did not. This call also took about 15 minutes and I had to talk to two departments. At this point I was getting annoyed. This kind of card with a $595 fee should have better customer service. I called for the third time and I was told that the second dispute was also closed with no correspondence from Citi. I asked why and was told that there were no notes, and they could do nothing to help me. They then offered (bargained) with me to take a $250 payment when the disputed charge was for $396. I was furious. I felt like they were implying I was trying to get something for free, when the charge was 100% not authorized by me. I told them I wanted to cancel all my Citi accounts and they did not even try to save my business. This call took 51 minutes, four departments and again I was sent out of the US. To make this situation even more comical, they applied a $250 credit to a charge that wasn’t even disputed. I have had disputes with Chase and American Express with zero issue. The responses I got from them were more of “we are sorry this happened, we will credit your account right away.” With Citi they basically implied that I was the one that was wrong and that I should be grateful for the $250 “Gift.” I have already paid my yearly fee, but rest assured I will not keep my accounts open for the next year.

So what makes this card better than other AA-branded credit cards is that whatever you buy on this card goes toward your Admiral's Club points. I did not know this until I was travelling with a friend and she had another AA-branded card BUT she told me the only way she accrues AA Admiral's Club points is by buying AA plane tix. If she goes to a restaurant and uses her card, she doesn't get points. I got this card with an 818 TU credit score and $45,100 credit limit (my highest CL).

749 TU, 767 EQ, 723 EXP. Citi has really come through in the clutch with higher limit cards. I also own a 13K CL on a platinum select card.

A $450 annual fee is ridiculous. Who is this card for the super rich people? At them kind of rates I don't even see how your even still in business!! Don't worry I won't be applying for your credit card any time soon at your cost you can keep it

Great card if you are an AA frequent flyer and enjoy having Admirals Club access. The admirals clubs have been getting better and better, serving more food and offering a comfortable escape from the terminal madness. My only complaint about this card is that it seems the other AA city branded cards offer a lot more benefits that they seem to have left off of the executive card. And I will say cutting the trip delay / cancelation insurance was a bad move, I found it really helpful and I was sad to see it go.

There is no advantage to having this credit card. As a member you pay $99. a year for the credit card, on top of the high interest rate. They give you 60 days to cancel the membership, I was 1 day over and they couldn't reimburse the account, even after I closed it out. It's a SCAM... stay away.

Takes them days longer than any other card Ive had to process charges and payments. Nothing moves on the weekend. It looks like they have manual human processes required that only happen monday to friday.

I view this credit card more as a travel tool than I do a financial tool (balences are always paid in full anyway). I applied for it based on a 75K AAdvantage bonus point offer that was advertised in the Admiral's Club and a desire to consolidate my air travel from three airlines to one airline. I think the bonus required $7500 in 3 months. I fly quite a bit (mostly corporate travel), but not enough to be a top tier flyer, and that is the niche this card fits (as I see it). It offers an array of beneifts that lets non-high tier passengers get some of the perks of the high tier passengers (priority check in, lounge access, waived bag fees, etc). How you value the benefits is your own decision, but I felt the Admirial's Club was worth it (I fly at least 1-2 times/month - nearly always with a connection). The card will also pay for TSA pre-check when I need to renew it, so that is nice to have. The "enhanced airport experience" sounds great but - unless I am missing something - really only seems to benefit users who do not qualify at even the lowest tier of AAdvantage (Gold). All three remaining US legacy carriers seemed to have devalued their frequent flyer programs over the last few years, but at least on paper this card has a benefit to offset that to some degree ("Reduced Mileage Awards"). I have not yet used this feature so I cannot comment on it further. The card comes with a number of features that aren't unique but useful to have (concierge, no forigen transaction fees, travel insurance, etc). I have these benefits with other cards, and I suspect they are standard for many travel cards. When I applied, I was instantly approved. If I recall, the credit limit was NOT instnatly displayed; the card arrived about a week later (it was about 7 months ago). There was a dealy getting website access for whatever reason (I was eager to get proof I had the card for some upcoming flights and to know the credit limit). This was my first account with Citi. They offered terms (credit limit, intrest rate, cash advance, etc) consistent with my accounts at other financial institutions. For those who worry about the packaging and other disposable items, yes, it does come in a pretty box. Honestly they could have just sent it in a plain envelope and saved the money but I digress. After approximately six months, the card has delivered on every promise. Their website is pretty good, and the app works well. I am still happy I paid the steep price as this travel tool has indeed made my travel more comfortable. Oh one last note - the annual fee was due on the first statement. I hope you find my experience useful.