The Citi® / AAdvantage® Executive World Elite Mastercard® is the primary credit card that provides complimentary, full Admirals Club® membership as a core benefit. In 2026, the card carries an annual fee of $595, which is lower than the standard individual Admirals Club membership (which can range from $700 to $850). The primary cardmember receives a full membership, allowing them and their immediate family (spouse and children under 18) or up to two guests to access nearly 100 lounges worldwide when flying on American Airlines or its partners. Furthermore, authorized users on this card (for an additional fee) also receive access privileges to the lounges when they are traveling, even if the primary cardholder is not with them. While other cards like the AAdvantage® Platinum Select® offer perks like a free checked bag, only the "Executive" version provides the high-tier lounge membership benefit. Some Citigold® relationship tiers may also offer statement credits or prorated refunds for the card's annual fee, making it the most cost-effective way to secure club access.