The Citi AAdvantage Executive Card is a fantastic card that I personally have and also recommend, but only if you're a frequent flyer with American. If you fly American with any frequency then an Admirals Club membership is super valuable, and this is the best way to access the Admirals Club, hands down.
Recently, Citi began issuing metal cards for the Citi / AAdvantage Executive World Elite Mastercard — new cards will be issued with a metal finish, and existing cardholders can now call in to have a metal replacement card sent over if they wish.
Minimum Credit Score Requirements For Citi / Aadvantage Gold World Elite Mastercard. All Citi cards — including the Citi Aadvantage Gold WE card — require a credit score of at least 660, but your best odds for approval are with a score of 700+.
Citi® / AAdvantage® Executive World Elite Mastercard® cardmembers can redeem their AAdvantage® miles for a variety of exciting travel rewards, such as: Flights to nearly 1,000 destinations across the globe. Upgrades on most domestic and international flights marketed and operated by American Airlines.
If you're a oneworld Sapphire or Emerald member who earns status through a program other than American AAdvantage or Alaska Mileage Plan, you can access Admirals Clubs whenever you're flying oneworld same day, even if you're not traveling internationally.
The World Elite Mastercard annual fee is $89-$99 in most cases. One of the best World Elite Mastercards is the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, which has a $0 annual fee the first year and an annual fee of $99 after that.
Centurion® Card from American Express
Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
The most exclusive credit card is the American Express Centurion Card, also known as the Amex Black Card. It is reportedly reserved for people who spend at least $100,000 per year, and an application is needed to apply.
What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.
What score model was used to calculate my score? Your FICO® Score is calculated based on data from Equifax using the FICO® Bankcard Score 8 model and is the same score we use, among other information, to manage your account. This model has a FICO® Score range from 250 through 900.
Unlike Chase, which has a similar 5/24 rule (only five new accounts in the last 24 months), Citi's limits on new cards only apply to other Citi cards.
The easiest Citi card to get is the Citi® Secured Mastercard® because it is the only one that will accept applicants with limited history credit history. This card requires a $200 refundable security deposit but has a $0 annual fee. It also helps build credit history with monthly reporting to the credit bureaus.
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