The primary credit card that provides full Admirals Club membership is the Citi® / AAdvantage® Executive World Elite Mastercard®. As of early 2026, this card carries an annual fee of approximately $595, which is often less than the cost of an individual membership. This card allows the primary cardholder and their immediate family (or up to two guests) access to any Admirals Club when flying on American or a partner airline. While the American Express Platinum Card and Chase Sapphire Reserve offer expansive lounge access through Priority Pass, they do not grant access to American Airlines' proprietary Admirals Clubs. For those who don't want the high annual fee, the Citi Strata Elite℠ Card (launched as a premium successor to older models) now offers a limited number of "One-Day Passes" annually, which is a more flexible option for travelers who aren't exclusively loyal to American Airlines but appreciate the occasional lounge visit.