Mastercard Gold Card vs. Citi / AAdvantage Executive World Elite

Estimated read time: 2 minutes

In this article, we’re examining the many perks of the Mastercard Gold card and Citi AAdvantage Executive World Elite. If you’re among an exclusive group of travelers who have great credit and require the most from their credit card issuers, one of these cards could have your name on it. These aren’t cards for your average Joe or Jane, these are for only the highest class of business traveler and each card has fees to match. However, if you can qualify for one of these exquisite cards and you travel a lot, the fees will be well worth it. Keep reading to find out which is best for your pocketbook.

Citi AAdvantage Executive World Elite

The AAdvantage card gives you access to the Admirals Club and a signup bonus. Yes, this card costs a lot in annual fee and doesn't have a great APR—but you get a bunch of travel benefits that make it well worth it for the right kind of customer. Paying several hundred dollars for the right to use a credit card every year is a hard sell unless the specific benefits are worth the price of admission. When you use the AAdvantage, just the access to American's Admirals Club makes it worth it. If you fly on a weekly or monthly basis, you know that availing the perks of lounge access like this is a no-brainer. That said, there are a host of other benefits, including a generous signup bonus, multiple checked bags for free and more point bonuses when you fly American.

Mastercard Gold

The Mastercard Gold has a higher fee if you can believe it. It’s among one of the highest fee cards on the marketplace. In exchange for your business, The Mastercard Gold rewards users with points on purchases, lounge access, statement credits, baggage delivery, and more. Travelers would have to spend a lot of time in the air, and a lot of money on the card to make the fee worthwhile, however.

The Winner

These cards are not for everyone. If you’re part of the exclusive group, people with “Good” to “Excellent” credit who travel often, Citibank is known for servicing travelers and serving up points. The Citi AAdvantage Executive World Elite card offers a robust set of travel benefits and rewards at a more competitive price than its luxury Mastercard Gold counterpart. These benefits come with a smaller annual fee that easily pays for itself if you take into account the sign-up bonuses and the VIP lounge access that the card entitles you to. But if you're someone who doesn't mind paying a higher annual fee to get a slew of benefits, then the Mastercard Gold card may be for you.