Does anyone have multiple Citibank business cards (with AA miles) or does Citibank allow a business only one Visa and one MC?
In other words if my combined charging power currently is 4X (2 personal cards for me and 2 for my wife), will I reduce my charging power by converting these to business cards?
differences between citi business & personal cards
I'm thinking of getting a new AAdvantage citi card for the bonus miles (before citi shuts down churning opportunities as Chase has done). I have links to applications for either a personal card or a business card, each for 20,000 bonus miles and annual fee waived for 1 year.
I currently hold a personal World MC, but it's my understanding that I don't have to cancel it in order to apply for another one. Correct?
Is there any significant difference between the benefits of the Biz card and the personal? (I realize significance is in the eye of the beholder)
I'm sure this information has been posted somewhere, but I've been unable to find much by searching ... sorry if I'm being dense.
Programs: AA Plat 1.737 MM, Priority Club Platinum
Posts: 922
Here are two things you get with the business card I don't think you get with the personal one:
1) Discount on AC membership and renewal-code CB1
2)Double miles on AA ticket purchases. I have actually gotten double miles on all AA purchases, including stickers and AC membership, that I put on my CitiBusiness card.
:scratching head: I was thinking this was more of a credit card issue, but it is about AAdvantage-miles earning credit cards, so the thread will continue to reside here...
/mod hat off now/
I concur with Sonora. AC renewal discount, the two-miles-per-dollar spent on aa.com as well as, iirc, extended fewer miles awards. If those are useful features, it's worth signing up - if not, why pay one more fee?
__________________ Lend a hand up with Kiva; far more than a hand out.
:scratching head: I was thinking this was more of a credit card issue, but it is about AAdvantage-miles earning credit cards, so the thread will continue to reside here...
/mod hat off now/
I concur with Sonora. AC renewal discount, the two-miles-per-dollar spent on aa.com as well as, iirc, extended fewer miles awards. If those are useful features, it's worth signing up - if not, why pay one more fee?
Thanks for the reply. (I also scratched my head about which forum to post to - seemed like people were talking about AAdvantage cards here)
Sounds like the only thing that might interest me is the "extended fewer miles awards". I assume you mean the same thing as the "reduced mileage awards" listed at http://www.citicards.com/cards/wv/copy.do?screenID=1213
... if so it looks like this qurter at least they're identical (unless I'm missing something). Are they usually different between biz and personal?
Programs: AA Plat 1.737 MM, Priority Club Platinum
Posts: 922
Click on the blue thing next to "Earn Advantage Miles for Business purchases you make every day " and a drop down menu will reveal this benefit:
Earn AAdvantage® miles for business purchases you make every day
Earn AAdvantage® miles: One mile per $1 spent on purchases you make everyday, up to 150,000 miles per calendar year2
Earn Double AAdvantage® miles on American Airlines purchases2
AAdvantage® award travel - redeem your AAdvantage® miles for award travel on American Airlines, American Eagle and AmericanConnection® for as little as 25,000 AAdvantage® miles2
AAdvantage® miles may never expire as long as you have activity on your AAdvantage® account every 3 years2
No blackout dates on AAdvantage® award travel means you book travel, based on availability, any time you wish to fly2
Thanks. I just found out that I am paying $125 for a no-longer-available consumer "Platinum Select" card (quickly withdrawn) that offers 2x miles, thinking it was a unique benefit I was grandfathered and that they no longer offer. Time to switch!
Programs: AA Plat; HH Gold; Marriott Silver; UCLA Fan
Posts: 725
I just took advantage of one of those reduced mileage awards. It only cost me 17,500 for the RT, but I had to do it by phone only, which cost $15.00. Still worth it, of course, but not being able to do it on-line for free kind of irked me, as it did cost me $15 to save the 7,500 miles. So that benefit has a cost to it which they don't point out in their promotion.
not being able to do it on-line for free kind of irked me, as it did cost me $15 to save the 7,500 miles. So that benefit has a cost to it which they don't point out in their promotion.
It's in the fine-print: "Redemption of Reduced Mileage Awards applies only to bookings made by phone through American Airlines reservations or through airport or city ticket offices. All such award travel is subject to an additional payment of $15. The above amount does not apply to AAdvantage Executive Platinum® members and AAirpass® customers. All such additional amounts are subject to change." http://www.citicards.com/cards/wv/copy.do?screenID=1281
Last edited by hillrider; Mar 6, 07 at 6:39 pm.
Reason: Corrected statement
What's your source on that? I've never heard that before.
The FCBA is the source of your dispute rights and the way it's written applies to personal accounts.
I just did a quick google search to find someone talking about this:
http://www.smartmoney.com/consumer/i...=smallbizcards
"Because business credit cards are meant to be used by companies, not consumers, they come with fewer consumer protections than a personal credit card. For example, with consumer cards you can dispute billing errors on the account within certain time limits, and during that time the credit-card company cannot list that disputed amount as delinquent, or cancel the card. Not so with business credit cards.
The same goes for asserting "claims and defenses" when you order merchandize and receive it in poor condition. With a personal credit card, you can dispute the charges, and if the vendor won't cooperate, the credit-card company will step in on your behalf. With a business card, the credit-card company won't get involved with the dispute."
An acquaintance of mine says he lost a few thousand dollars due to this issue. I don't recall which card issuer he had.
To get back to an earlier question - does the business card usually give better award selection in the "reduced mileage award" list, as an earlier poster (JDiver) suggested (or was I misunderstanding his comment)?
I don't see the double miles on AA purchases benefit listed at 
