Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Citi / AAdvantage Executive World Elite Mastercard vs Home Depot Commercial Revolving Charge Card

Both are well-respected travel cards. The Citi / AAdvantage Executive World Elite Mastercard comes from Citi at $595/yr; the Home Depot Commercial Revolving Charge Card from Citi Retail Services at $0/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 Home Depot Commercial Revolving Charge Card's. Get the Citi / AAdvantage Executive World Elite Mastercard first; revisit the Home Depot Commercial Revolving Charge Card after you've earned that bonus.

FeatureCiti / AAdvantage Executive World Elite MastercardHome Depot Commercial Revolving Charge Card
Annual fee$595$0
Sign-up bonus70,000 miles
Bonus value (est.)$980-
Min spend to unlock bonus$7,000 in 3 mo-
IssuerCitiCiti Retail Services
Card categoryairlinebusiness
Best earning category (American)4x1x
Transfer partnersNoneNone
Headline benefits
  • Admirals Club membership
  • Free bag for 9 travelers
  • $360 in Lyft+Grubhub+Avis credits
  • Global Entry credit
    Read the full review
    Citi / AAdvantage Executive World Elite Mastercard
    $595/yr · 70,000 miles
    Read the full review
    Home Depot Commercial Revolving Charge Card
    $0/yr ·

    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.

    Editorial take: Home Depot Commercial Revolving Charge Card

    Common questions

    Which card has the bigger sign-up bonus, Citi / AAdvantage Executive World Elite Mastercard or Home Depot Commercial Revolving Charge Card?
    The Citi / AAdvantage Executive World Elite Mastercard has a public bonus (70,000 miles, worth roughly $980), while the Home Depot Commercial Revolving Charge Card doesn't advertise one right now.
    Is the Citi / AAdvantage Executive World Elite Mastercard's $595 annual fee worth it compared to the Home Depot Commercial Revolving Charge Card?
    Premium cards like the Citi / AAdvantage Executive World Elite Mastercard ($595/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $595+ of those credits, the math works. The Home Depot Commercial Revolving Charge Card at $0/yr trades some perks for a lower commitment.
    Can I have both the Citi / AAdvantage Executive World Elite Mastercard and Home Depot Commercial Revolving Charge Card?
    Yes, since they're from different issuers (Citi and Citi Retail Services) 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 Citi / AAdvantage Executive World Elite Mastercard or the Home Depot Commercial Revolving Charge Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Citi / AAdvantage Executive World Elite Mastercard: $7,000 spend in 3 months. Home Depot Commercial Revolving Charge Card: no published min spend. 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.