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Side-by-side
BECU Secured Low Rate Credit Card vs Citi / AAdvantage Executive World Elite Mastercard
Both are well-respected travel cards. The BECU Secured Low Rate Credit Card comes from BECU at $0/yr; the Citi / AAdvantage Executive World Elite Mastercard from Citi at $595/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Citi / AAdvantage Executive World Elite Mastercard is the stronger pick today, the sign-up bonus is meaningfully larger ($980 more in estimated value) than the BECU Secured Low Rate Credit Card's. Get the Citi / AAdvantage Executive World Elite Mastercard first; revisit the BECU Secured Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Secured Low Rate Credit Card | Citi / AAdvantage Executive World Elite Mastercard |
|---|---|---|
| Annual fee | $0 | $595 |
| Sign-up bonus | No welcome bonus | 70,000 miles |
| Bonus value (est.) | $0 | $980 |
| Min spend to unlock bonus | $0 in 0 mo | $7,000 in 3 mo |
| Issuer | BECU | Citi |
| Card category | low-interest | airline |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
BECU Secured Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Citi / AAdvantage Executive World Elite Mastercard
$595/yr · 70,000 miles
Editorial take: Citi / AAdvantage Executive World Elite Mastercard
Pure Admirals Club access card. If you spend more than ~$850/year on lounge passes or visit AA hubs frequently, the $595 fee is a layup. The 2024 refresh added ~$360/year in Lyft/Grubhub/Avis credits that often go unclaimed, plus the free checked bag for 9 travelers is undersold for family travelers.
Common questions
- Which card has the bigger sign-up bonus, BECU Secured Low Rate Credit Card or Citi / AAdvantage Executive World Elite Mastercard?
- The Citi / AAdvantage Executive World Elite Mastercard has the bigger bonus, 70,000 miles, worth roughly $980, versus No welcome bonus (~$0) on the BECU Secured Low Rate Credit Card.
- Is the BECU Secured Low Rate Credit Card's $0 annual fee worth it compared to the Citi / AAdvantage Executive World Elite Mastercard?
- The BECU Secured Low Rate Credit Card has no annual fee, so the question is whether the Citi / AAdvantage Executive World Elite Mastercard's $595 fee is justified by its perks. If you'll use enough of the Citi / AAdvantage Executive World Elite Mastercard's benefits to clear $595 in value annually, it's worth it; otherwise stick with the BECU Secured Low Rate Credit Card.
- Can I have both the BECU Secured Low Rate Credit Card and Citi / AAdvantage Executive World Elite Mastercard?
- Yes, since they're from different issuers (BECU and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Secured Low Rate Credit Card or the Citi / AAdvantage Executive World Elite Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Secured Low Rate Credit Card: $0 spend in 0 months. Citi / AAdvantage Executive World Elite Mastercard: $7,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.