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Compare the Features and Benefits of Southwest® Rapid Rewards® Performance Business Credit Card and
Citi® / AAdvantage® Executive World Elite MasterCard®

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Global Entry / TSA PreCheck Reimbursement
Annual Statement Credits
Extended Warranty
Purchase Protection
Trip Protections
Free Checked Bags
No Foreign Transaction Fees
Primary Car Rental CDW Waiver
Roadside Assistance
Travel and Emergency Assistance Services
Does Not Report Credit Line to Personal Credit Profile
No Fees for Authorized Users
Airport Lounge Access
Priority Boarding
Secondary Car Rental CDW Waiver
Concierge Services
Metal Card
Annual Fee
$199
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Best Multiplier
4x Airfare

Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

2x Cable / Internet / VOIP Phone
2x Cellular Phone Service
1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer
Earn up to 120,000 points. Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Southwest Rapid Rewards Performance Business Credit Card should be the go-to card for Southwest frequent travelers that own a small business. Don’t let the $199 annual fee scare you off. This card comes packed with perks that can easily justify that fee.

Southwest-specific perks include four Upgraded Boardings each year, virtually unlimited inflight WiFi passes, and the ability to spend toward A-List status. Plus cardholders get premium travel perks like a Global Entry or TSA PreCheck application fee statement credit.

Cardholders earn 4x Rapid Rewards points on Southwest Airlines purchases. That’s a higher rewards earning rate on Southwest purchases than you’ll find on any other Southwest credit card. Plus you’ll earn 3x points on Rapid Rewards hotel and car rental partners.

However, this card doesn’t just reward travel purchases. Cardholders earn 2x Southwest Rapid Rewards points on a wide range of purchases, including social media and search engine advertising; internet, cable, and phone services; transit and commuting, including ride-hailing services. Earn points on all other purchases at a rate of 1 Rapid Rewards point per dollar spent.

Enjoy Upgraded Boardings, free WiFi, and more on Southwest Airlines through the Southest Performance Business Card

Cardholders will earn 1,500 tier qualifying points toward A-List status for every $5,000 spent on purchases annually. While you probably don’t want to put that much spending on the card, you can conceivably spend all the way to A-List Preferred status by spending $470,000 on the card in a calendar year.

The only real downside to this card is the limited redemption options. The best way to redeem Rapid Rewards points is for Southwest flights. And since the Rapid Rewards structure is a fixed-value program, you won’t get more value from some flights than others. The good news is that means there are no blackout dates when you want to redeem points.

You can add employee cards for no additional cost, meaning you can be rewarded for employee spending. The card also offers up to a $500 statement credit for points transfers. That means you can transfer points to employees without additional cost.

Lastly, this card is great for getting more than halfway to a Southwest Companion Pass with the bonus offer. Read our guide on earning a Southwest Companion Pass for up to two years via new account bonuses.

Read more
Unique Card Benefits
yes
Global Entry / TSA PreCheck Reimbursement
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Free Checked Bags
yes
No Foreign Transaction Fees
yes
Primary Car Rental CDW Waiver
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Fees for Authorized Users
yes
Airport Lounge Access
no
Priority Boarding
no
Secondary Car Rental CDW Waiver
no
Concierge Services
no
Metal Card
no
Annual Fee
$595
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.24%-29.99% (Variable)
Balance transfers fees
5% of each balance transfer; $5 minimum.
Best Multiplier
4x Airfare

On American Airlines flights booked directly only. Other airfare earns 1X mile per dollar.

1x Everything Else
Avg. Point Value
(Learn More)
$0.014
Bonus Offer

Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.73) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

If you and your immediate family members fly American Airlines often, the Citi/AAdvantage Executive World Elite Mastercard offers an outstanding slew of perks. As the most premium offering of all of the American Airlines’ AAdvantage credit cards, the most enticing and primary benefit by far is the ability the Admirals Club membership (though you’ll need a same day boarding pass on American or on any of the Oneworld partner airlines). You can bring your immediate family, which counts as your spouse/domestic partner and children under the age of 18 or two guests.

Valued at $500 – $650 per year outright, you can save quite a big chunk of cash by applying for the card instead. What’s more, you can add up to 10 authorized users to the primary card account with fees as follows: $175 total for the first three authorized users and $175 for each additional AU after that. While the card used to give free Authorized Users, that was simply too good to last. It remains a good deal on up to 3 AUs.

Your authorized users, whether you add your trusted friends or family members, will get their own American Airlines Admirals Club® membership. This makes the Citi/AAdvantage Executive World Elite Mastercard for larger families with lots of guests to bring along the way.

When you’re flying on American Airlines, you’ll not only get a 25% discount on inflight eligible American Airlines purchases for food and drinks, but you’ll get the VIP treatment at the airport. It starts with priority check-in, where you can bring a first checked bag free, and priority airport screening allows you to skip the line when available. Finally, priority boarding allows you to board with Group 4. Best of all, these three benefits apply to you and up to eight travelers on the same reservation!

people, silhouettes, sunset
Not only does the card help provide an enhanced airport experience, but you get to earn both American Airlines miles and Loyalty Points to help you qualify for AAdvantage® frequent flyer status. You’ll earn 2x redeemable miles on eligible American Airlines purchases and 1x miles on everything else. On top of that, you’ll earn 1x Loyalty Point per $1 spent.

As well, there are now Loyalty Point bonuses:

  • A 10,000 Loyalty Point Bonus after reaching 50,000 Loyalty Points in a status qualification year
  • A 10,000 Loyalty Point Bonus after reaching 90,000 Loyalty Points in a status qualification years

And statement credit:

  • Lyft – Citi/AAdvantage Executive cardmembers can earn a $10 Lyft credit after taking 3 eligible rides in a calendar month and paying with their card.
  • Grubhub – Citi/AAdvantage Executive cardmembers are eligible to receive a statement credit of up to $10 per monthly billing statement (for a total of up to $120 every 12 monthly billing statements) on eligible purchases made at Grubhub.
  • Avis/Budget – Citi/AAdvantage Executive cardmembers are eligible to receive a statement credit up to $120 every calendar year when purchases of up to $120 or more made Avis or budget car rentals or both are charged to their card.

It not only has Global Entry / TSA PreCheck reimbursement every 4 years, but now comes with a suite of Trip Protections:

  • Trip Cancellation & Interruption Protection
  • Trip Delay Protection
  • Lost Baggage Protection
  • Worldwide Car Rental Insurance Coverage

In short, if you want American Airline’s Admiral’s Club access (and don’t need Priority Pass or other lounge access), the Citi/AAdvantage Executive World Elite Mastercard is a fantastic pick.

Read more
Unique Card Benefits
yes
Global Entry / TSA PreCheck Reimbursement
yes
Annual Statement Credits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Free Checked Bags
yes
No Foreign Transaction Fees
yes
Primary Car Rental CDW Waiver
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
Does Not Report Credit Line to Personal Credit Profile
no
No Fees for Authorized Users
no
Airport Lounge Access
yes
Priority Boarding
yes
Secondary Car Rental CDW Waiver
yes
Concierge Services
yes
Metal Card
yes

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