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A week ago I wrote about a 75,000 mile sign up bonus on the Citi Executive AAdvantage World MasterCard.

That bonus is now 100k American Airlines miles after spending $10,000 on the card in the first three months.

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What are the full offer details? What’s the big drawback?

Here are the bullet points available on the landing page:

  • Earn 100,000 American Airlines AAdvantage® bonus miles after you make $10,000 in purchases within 3 months of account opening.
  • Plus, earn up to $200 in statement credits on purchases within 12 months of account opening.
  • Enjoy these VIP benefits for an annual fee of $450
  • Admirals Club Membership Privileges (a value of up to $500)
  • Earn up to 10,000 Elite Qualifying Miles per calendar year after spending $40k
  • No Foreign Purchase Fees
  • Enhanced Airport Experience with dedicated check-in and priority screening and boarding
  • First Checked Bag Free

For more details and to apply, click here.

The landing page asks for a referral code–given out at Admirals Club locations according to reports–but the referral code is not required to get to the application.

This card is the Executive Card. It is different than the Platinum and Gold versions of American Airlines credit cards. If you only have those cards, you can get this card and its bonus as a new customer.

The two things that will hold people back from getting this card are the minimum spending requirement and annual fee.

The minimum spending requirement is a huge $10,000 in three months. There are many great ways to meet minimum spending requirements, but make sure you only get this card if you can meet the minimum spending requirement without spending more than you ordinarily would and if meeting the minimum spending requirement will not cause you to go into debt.

The annual fee is $450 per year. For that price, you get Admirals Club access. If you normally pay for Admirals Club access, this perk has real value. If you normally fly international business class awards–which come with lounge access–this perk has zero value. Figure out how much value lounge access has to you and mentally deduct that value from the annual fee.

My take on this card is that for some people it will be one of the best offers of the year. For other folks, this will be an offer they should skip in favor of cards with spending requirements and annual fees that more closely align with their comfort levels.

Will you apply for the card? 

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Earn 80,000 Chase Ultimate Rewards Points after you spend $4,000 spend in 3 months

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