Citi® / AAdvantage® Executive vs Citi® / AAdvantage® MileUp®
Side-by-side comparison
| Citi® / AAdvantage® Executive | Citi® / AAdvantage® MileUp® | |
|---|---|---|
| Annual fee | $595 | No annual fee |
| Welcome offer | 70,000 AAdvantage® Miles | 15,000 American Airlines AAdvantage® miles after $500 in 3 months |
| Dining | 1x | 1x |
| Groceries | 1x | 2x |
| Gas | 1x | 1x |
| Travel | 1x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $292 | $352 |
| Points type | Locked to American Airlines AAdvantage | Locked to American Airlines AAdvantage |
| Network | Mastercard | 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 Citi® / AAdvantage® Executive earns about $292 a year in rewards and the Citi® / AAdvantage® MileUp® about $352, valuing every point at a flat 1 cent. The Citi® / AAdvantage® Executive charges $595, which you clear through its rewards and perks. The Citi® / AAdvantage® MileUp® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Citi® / AAdvantage® MileUp® delivers more total value, about $655 a year more for a typical spender, mostly because it earns more where you spend most, on groceries. 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 welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Citi® / AAdvantage® MileUp® if your spending leans toward groceries.