British Airways Visa Signature® Card vs Citi® / AAdvantage® Executive
Side-by-side comparison
| British Airways Visa Signature® Card | Citi® / AAdvantage® Executive | |
|---|---|---|
| Annual fee | $95 | $595 |
| Welcome offer | 75,000 Avios | |
| Dining | 1x | 1x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 3x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $328 | $292 |
| Points type | Locked to Avios | Locked to American Airlines AAdvantage |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the British Airways Visa Signature® Card earns about $328 a year in rewards and the Citi® / AAdvantage® Executive about $292, valuing every point at a flat 1 cent. The British Airways Visa Signature® Card charges $95, which you clear through its rewards and perks. The Citi® / AAdvantage® Executive charges $595, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the British Airways Visa Signature® Card delivers more total value, about $536 a year more for a typical spender, mostly because it earns more where you spend most, on travel. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Citi® / AAdvantage® Executive currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the British Airways Visa Signature® Card if your spending leans toward travel.