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Old Sep 1, 14, 11:56 am   -   Wikipost
FlyerTalk Forums Thread Wiki: Citi AA credit cards. Best offers now 50k. [Read wikipost first]
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Last edit by: beltway
As of Sunday August 25, 2013:
Reports indicate personal cards can no longer be rapidly churned.

Click HERE to review the previous thread on this topic.

Recommended Application Procedure:
Clear cache and cookies prior to applying or use an incognito or private browsing session to apply. Opening multiple different apps in different windows or tabs or failing to clear cookies/cache has resulted in people receiving a lesser offer.

For information on the Executive version of this card, with $450 annual fee, not waived, see: Up to 100k miles Citi Executive AAdvantage offers

MOST CURRENT 50K LINKS:

Citi AA Platinum Personal Mastercard, 50,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here. This is a CHIP and Signature card.

Citi AA Business MasterCard, 50,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Landing page for 50K Business and Personal MC requires $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business and Personal MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business and Personal MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to this application page.

OTHER PERSONAL CARDS

Citi Platinum Select Mastercard. 40,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Citi Platinum Select Mastercard. 35,000 miles after $1.5k spend in 3 months. $95 annual fee, waived first year. Landing page available here. - Dead on Aug 09, 2014.

Citi Platinum Select Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Up to $100 statement credit for AA purchases. Landing page available here.

Citi Platinum Select Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year.

Citi Gold Mastercard. 25,000 miles after $750 spend in 3 months. $50 annual fee, waived first year. Landing page available here

If you are already a Citigold customer, read this post from the Miles Professor about another 50K offer from your branch office for the American Airlines credit card.

OTHER BUSINESS CARDS

Citi Business MasterCard. 40,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Citi Business Mastercard. 35,000 miles after $1.5k spend in 3 months.

Citi Business Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Citi Business Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Up to $100 statement credit for AA purchases. Landing page available here.

Quote:
Citibank Contacts/Resources (Please add the others that you know)
  • Application status: https://www.accountonline.com/cards/...?screenID=3187
  • (800) 695-5171 Personal Application Status and Reconsideration Line with live rep
  • (800) 763-9795 General Personal Application Inquiries with live rep
  • (800) 645-7240 Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
  • (800) 288-4653 Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
  • (866) 606-2787 General Application and Account Questions with live rep
  • (888) 201-4523 Application status
  • (866) 606-2961 Reconsideration Line.
  • Twitter : @AskCiti. Very powerful tool.
  • Executive Office - useful for getting a more empowered agent for reconsideration purposes: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117

FAQ
  1. Are these AA cards churnable?
  2. What are the most current time-restriction rules in applying for all Citi cards?
  3. Do I need to close existing cards before applying?
  4. When should I close existing Citi accounts?
  5. Can I apply for a business card if I dont have a business?
  6. Can I buy Visa gift cards to meet my minimum spend?
  7. Do I get 10% back when redeeming miles for awards?
  8. Do I have to use my own AAdvantage number on applications?
  9. There is nothing on the application page stating the bonus miles. How do I know what I will be getting?
  10. When will my bonus miles post?
  11. I met the minimum spend. Why does my statement say "Miles Reported to AA: 0"?
  12. Can I cancel a card using secure messaging?
  13. I activated the card online and got a message about this card replacing an old card. What does that mean?
  14. Which credit bureau does Citi pull and can I force them to use a different one?

1. Are these AA cards churnable?
Yes and No. The general rules are:
  • Personal AA cards: As of August 25, 2013 all linked personal AA cards in this thread can be churned only after Citi decides that you are no longer an existing cardmember. This usually occurs between 12 and 26 months after your last successful AA personal card approval of any type including AA Executive card(s). If you want both a Platinum card and an Executive AA card and are eligible under the 12-26 month rule, get the Platinum card first or the Executive card will restart the clock. Although it is not a hard-and-fast rule, 18 months after previous approval is the most common. YMMV. You do not need to cancel old personal cards.
    • Note: You cannot circumvent this rule by applying for a card type different from your previous Citi AA card. If your last personal AA card was a Visa, the waiting period for your next personal AA card will be the same regardless of whether you apply for a Visa, MC, or Amex.

  • Business AA cards: have been churnable repeatedly without restriction other than the general Citi application rules. Apply once every 91-95 days. For unknown reasons, some people have been unable to churn business cards at all. Also, some (but not all) people need to completely cancel their previous business card (ie, cancel both the card account and the associated master account) before they can apply for another business card.

    Note: If you encounter difficulty in obtaining a Citi AA business card after holding one before, it may because of the unusual way Citi sets up business accounts. The business account per se has its own master number; like a standard MC/Visa, this master account number is 16 digits. In addition, each card on the account has its own 16-digit card number. Each of these numbers, including the number for the primary cardholder, is different from the master account number.

    Sometimes, when you call to close your card account, all the card numbers are canceled but the master account remains open. When this happens, subsequent applications for a business card may encounter difficulty. Online, there should be a dropdown of accounts under your business login; the number that match your card number is your card account, the number that does not match your card number is your master account. When cancelling, ask to cancel both accounts, giving the last 4 digts of each (as shown in that dropdown).


2. What are the most current time-restriction rules in applying for all Citi cards?
  • Only 1 Citi application of any kind per week (8 days to be safe).
  • No more than 2 Citi applications of any kind in 60 days (65 days to be safe).
  • No more than 1 Citi business application in 90 days (95 to be safe). This does not override the rules above.

While the day limits are a little flexible by a few days either way and YMMV, the rules themselves are not flexible. Note: In applying the rules above, count all Citi applications, including denials and/or applications for non-AA cards.

Mixed type Example:
Day 1 60K HHonors Visa
Day 9 or later 50K Personal Platinum Visa
Day 66 or later 50K Business #1
Day 74 or later 60K Executive
Day 161 or later 50K Business #2
18 Months, 74 days or later 50K Personal Platinum Visa

Not sure what day you applied? The date is written year, month, day in the application number: 201402280000 means you applied on Feb 28, 2014


3. Do I need to close existing cards before applying?
No. There is no requirement that you close previous personal accounts. People have reported having 4 or more of the exact same card. However, many people have reported problems getting AA Business cards if they have an open Business account.


4. When should I close existing Citi accounts?
This is a matter of personal preference. Citi cards can be closed immediately after receiving a bonus and paying off the balance. There are no verifiable reports of Citi clawing back miles (exception - miles were clawed back for returned merchandise around November 2011).

Reasons to keep accounts open:
  • Having large credit lines improves your utilization percentage.
  • Maintaining old cards improves average age of cards.
  • Credit lines can be moved from old cards to new cards.
  • Anecdotal evidence suggests that Citi counts the credit lines of recently-closed accounts for 3-6 months against your total available credit.
  • You can receive retention offers once every 6 months per card. See this thread for details on the latest retention offers.

Reasons to close accounts:
  • Having a large amount of available credit with Citi will eventually reduce your chances of instant approval. Your application will automatically be reviewed if your CL's total 75K or more. This may also result in a large disparity between existing account CL's and new CL's, such as 20K, 20K and 1K for a new card, as an example.
  • There is little incentive to pay an annual fee if it is not waived.
  • The annual fee on Business cards is rarely waived.
  • Having a large number of open Citi cards will show up on your credit report and may affect non-Citi applications as well as the overall age of your accounts.


5. Can I apply for a business card if I dont have a business?
Anyone can apply for a business card. You do not need a registered business with an EIN. If you do not have a business with an EIN or with bills/accounts in the business name, you can apply using your name as the business. The three possibilities are that: 1. You could be approved unconditionally, 2. You could be asked to fax a couple of bills or accounts (water, electricity, gas, cable, or phone bills, bank accounts, etc.) in the name of the business to Citi, or 3. You could be required to fill out and send a 4506-T tax form. Whatever you do do not make up income etc. about the business. Plenty of people have been issued cards for businesses with $0 annual revenue, 1-5 employees, and 0 years in business.


6. Can I buy Visa gift cards to meet my minimum spend?
Purchases from banks are almost always coded as a cash advance regardless of what they are for. Purchases from stores, e.g. CVS, are almost always coded as a purchase.
If you are concerned about it, its recommended to send a secure message Citi and have them set your Cash Advance limit to zero. Phone CSRs often say they can not do this.


7. Do I get 10% back when redeeming miles for awards?
It depends. First, the rebate program (which began in April 2012) applies only to holders of these cards:
  • Citi Platinum Select AAdvantage Visa Signature
  • Citi Platinum Select AAdvantage World MasterCard
  • Citi Platinum Select AAdvantage World Elite MasterCard
  • Citi Select AAdvantage American Express
It does not apply to the Citi Gold World MasterCard, Citi Executive products, or some of the Citi Business cards.

Also, the maximum rebate for any cardholder in a single calendar year is 10,000 miles. Having more than one qualifying Citi AA card will not allow you to receive a larger rebate; the restriction applies per AAdvantage account.

For more on the 10% rebate benefit, see Citi 10% miles back / rebate for reward redemption.


8. Do I have to use my own AAdvantage number on applications?
Yes. The name on the card application must match the name on the AAdvantage account. You cannot apply for multiple cards for different people and use the same AAdvantage account number. AA does not care or even know how many Citi accounts you have so there is no harm in having your AAdvantage account number associated with multiple cards in your name. If you forget to add your AAdvantage account number to your application, an AAdvantage account in your name will be created and can later be merged with your existing account by calling AA.


9. There is nothing on the application page stating the bonus miles. How do I know what I will be getting?
You need to have faith in the people here if you want to maximize your miles. The people on this board constantly apply for these cards and report back what they are told are the benefits and what they actually receive. The way Citi works is that if you are approved for a card, you will get the bonus associated with the link you applied under as long as you make the minimum spend. It does not matter if you already had the card or anything else. If you are approved - then you get the bonus. The two exceptions to this are: 1. If you fail to clear your cache and accidentally load a cached application, you get the miles associated with that application and 2. Some people have recently succeeded in 'bumping the bonus' by contacting Citi and requesting a match to a 50K offer after applying for a 40K card. If you don't feel like trusting in the experiences of others, then apply for an offer with a landing page.


10. When will my bonus miles post?
Two working days after the date of the statement containing the charge that takes you across the spend threshold. It posts overnight, it'll be there when you check your AAdvantage account in the morning.


11. I met the minimum spend. Why does my statement say "Miles Reported to AA: 0"?
No one knows exactly why this is happening to some people (Citi blames AA, AA blames Citi, and both blame the merger). It supposedly has something to do with the time it takes them to properly link your AAdvantage number to your card. There are two ways to deal with this:
  • Wait 1-2 statement periods, and see if the points post on their own. Per Citi, it can take this long for the accounts to link.
  • Call AA (1-800-882-8880) and open a case about it. Most people have had their miles post within 2 weeks of doing this.

For ongoing discussion, see Some AA Citi Card miles not transferred to AAdvantage accounts [Q3 2013 - Q1 2014]


12. Can I cancel a card using secure messaging?
Yes, assuming you have set up the credit card in your Citi account. Quick and easy.


13. I activated the card online and got a message about this card replacing an old card. What does that mean?
When activating cards online, Citi normally displays the text:

Quote:
"This account replaces your old account, which is now closed. Statements for your old account will be available for up to 6 months. Your current account summary and unbilled transactions are now listed under your new account number."
This is normal and is supposed to be displayed when activating a replacement card but it seems to display even when activating a brand new card. This is nothing to worry about.


14. Which credit bureau does Citi pull and can I force them to use a different one?
Citi appears to use Experian most frequently, followed by Equifax. For some people they pull both. It depends on where you are located. You can check the Credit Boards database to see where card issuers have pulled recently.

For the most part, freezing Experian, or another bureau, will not cause Citi to pull a different bureau. They will almost certainly require you to unfreeze the bureau they wish to pull or deny your application. Some people have been successful providing the PIN but others have not. Mostly, freezing a credit bureau in an attempt to force Citi to pull a different one seems to waste time, money, and effort for little result. But YMMV.

For one person's experiences with various card issuers, check here.


For rules and info on any offers that include Admirals club passes or statement credits, see here.

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Old Jun 9, 13, 9:13 pm   #151
 
Join Date: Oct 2011
Location: Denver, CO
Posts: 1,600
Quote:
Originally Posted by friedablass View Post
There is an Amazon Payments thread in the Manufactured Spend forum that would probably answer your question. The answer is yes as long as you never log in to these accounts from the same computer (IP address on devices should never be the same when logging in to either account, so I'm not sure how wifi factors in) .
I know all about AP, just seeing if he could use that instead of buying AZ GCs
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Old Jun 9, 13, 11:19 pm   #152
 
Join Date: Feb 2011
Posts: 441
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Originally Posted by friedablass View Post
It arrives in the regular mail. No signature required.
Thanks. Verified with Citi people.

Also, got denied for Plat MC t+32 hours after getting approved for Plat Visa. Citi application status folks confirmed that there was only one hard pull. That is, the 2nd application was deemed too soon, and thus there was no second pull.
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Old Jun 10, 13, 1:00 am   #153
 
Join Date: Jan 2013
Posts: 9
It seems the Gold 30K MC dead
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Old Jun 10, 13, 6:49 am   #154
 
Join Date: Oct 2010
Posts: 54
Just a data point.
I applied for business master 40k yesterday and was approved instantly.

This will be my 7th AA cards:
Gold AA Master card (since 2002)
Platinum select Visa (since 2009)
Platinum select Amex (since 2013/2) 2nd card, 1st one already cancelled.
Business Master (since 2013/6)
Business Visa (since 2011) 2nd card, 1st one already cancelled.

Last edited by Izushisobaman; Jun 10, 13 at 7:33 am.
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Old Jun 10, 13, 8:55 am   #155
 
Join Date: Feb 2013
Location: Tampa, FL
Posts: 288
Applied for the Plat Select MC 40k on Friday, 6/7. Went into pending at step 3 because of frozen Equifax file. Got an email on 6/8 telling me to call with Equifax pin so they could further review. Attempting to get two US Bank cards approved before I follow up on this one and then apply for the 40k Business MC.

Previous Citi Apps:
HHonors 2/4
AAdv Biz Visa 3/20

Last edited by jonnyd13; Jun 10, 13 at 8:58 am. Reason: data points
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Old Jun 10, 13, 10:25 am   #156
 
Join Date: Jan 2013
Location: JAX
Programs: Virtuoso Travel Advisor, Starwood L.P., Sofitel STEP
Posts: 1,706
Is there any point of keeping this card open if it's not your main CC? I don't use this card at all, and unless I were buying a flight on AA, I can't seem to come up with a reason to keep the card...I got the bonus, and that's all I wanted. I guess the other benefit would be delaying the expiration of miles, but I'll probably use the miles before then. (Talking about the $750/4 mo. MC).

The perks on this card just aren't that great (to me).
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Old Jun 10, 13, 10:45 am   #157
 
Join Date: Nov 2007
Programs: SPG Gold, Delta Skymiles, AAdvantage, HH Silver
Posts: 1,036
Quote:
Originally Posted by pricesquire View Post
Is there any point of keeping this card open if it's not your main CC? I don't use this card at all, and unless I were buying a flight on AA, I can't seem to come up with a reason to keep the card...I got the bonus, and that's all I wanted. I guess the other benefit would be delaying the expiration of miles, but I'll probably use the miles before then. (Talking about the $750/4 mo. MC).

The perks on this card just aren't that great (to me).
If you're not going to use it, no there is no use in keeping the card especially since it has an annual fee. Wait at least 6 months to cancel and best to cancel close to the date the annual fee will become due - you may get a retention offer of having that fee waived which will allow you to keep it open for another year.
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Old Jun 10, 13, 10:59 am   #158
 
Join Date: Aug 2011
Posts: 276
Quote:
Originally Posted by JimboWong View Post
It seems the Gold 30K MC dead
Seems that way. This link for applying for the Platinum MC (40k mi for spending $3k) is still working:

https://www.citicards.com/cards/acq/...E3E171421503E2

If you already have a Platinum Visa, I wonder if you can you get this Platinum MC since it's a different card (assuming you submit an app same day)?
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Old Jun 10, 13, 11:12 am   #159
 
Join Date: Jan 2013
Location: JAX
Programs: Virtuoso Travel Advisor, Starwood L.P., Sofitel STEP
Posts: 1,706
Quote:
Originally Posted by friedablass View Post
If you're not going to use it, no there is no use in keeping the card especially since it has an annual fee. Wait at least 6 months to cancel and best to cancel close to the date the annual fee will become due - you may get a retention offer of having that fee waived which will allow you to keep it open for another year.
If you cancel right before the fee hits, how does a retention bonus work? A CSR calls you and offers to reactivate? Or, do you call to cancel, and a CSR tries to talk you down?
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Old Jun 10, 13, 11:25 am   #160
 
Join Date: Jan 2013
Posts: 9
Quote:
Originally Posted by Long Islander View Post
Seems that way. This link for applying for the Platinum MC (40k mi for spending $3k) is still working:

https://www.citicards.com/cards/acq/...E3E171421503E2

If you already have a Platinum Visa, I wonder if you can you get this Platinum MC since it's a different card (assuming you submit an app same day)?
I have 2 personal Platinum lv cards now (Amex and Visa Signature). Both got approved in Jan 2013. Not sure if a good time to get a new Platinum lv MC. Any comments?
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Old Jun 10, 13, 12:44 pm   #161
 
Join Date: Nov 2007
Programs: SPG Gold, Delta Skymiles, AAdvantage, HH Silver
Posts: 1,036
Quote:
Originally Posted by pricesquire View Post
If you cancel right before the fee hits, how does a retention bonus work? A CSR calls you and offers to reactivate? Or, do you call to cancel, and a CSR tries to talk you down?
When you call to cancel they may transfer you to their retention departement who will try to convince you to keep the card instead of cancelling by offering you something to do so.

I'm not really so well versed in retentions because I haven't signed up for tons of cards the past few years (so whatever I have I basically keep or convert to fee free version), but there is a lot of discussion about it in this thread:

http://www.flyertalk.com/forum/credi...all-cards.html
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Old Jun 10, 13, 1:16 pm   #162
 
Join Date: Aug 2011
Posts: 276
Quote:
Originally Posted by Long Islander View Post
Seems that way. This link for applying for the Platinum MC (40k mi for spending $3k) is still working:

https://www.citicards.com/cards/acq/...E3E171421503E2

If you already have a Platinum Visa, I wonder if you can you get this Platinum MC since it's a different card (assuming you submit an app same day)?
Sorry, I meant to say "(assuming you don't submit an app same day)."
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Old Jun 10, 13, 3:56 pm   #163
 
Join Date: Feb 2011
Location: CVG
Programs: Hyatt Giraffe
Posts: 605
Quote:
Originally Posted by Long Islander View Post
Sorry, I meant to say "(assuming you don't submit an app same day)."
I think the issue now is the "class" (plat versus gold) of the card not the "type" (Visa/MC/Amex) of the card. So you can't apply for 2 of the same "class" anymore, doesn't matter the type.
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Old Jun 10, 13, 4:00 pm   #164
 
Join Date: Mar 2009
Location: USA
Programs: Priority Club Plat, SPG Gold, Le Club Accor Plat, HHonors Gold, Club Carlson Gold
Posts: 585
Citi bank is absolutely the worst bank to deal with (I have Chase, AmEx, Discover cards, cut off BoA because they were awful and avoid them since that time). So now I am dealing with Citi. Big mistake to apply for their cards. Customer service (including supervisors) not trained and give different info every time. Cannot wait to close them and take out of my wallet.
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Old Jun 10, 13, 4:11 pm   #165
 
Join Date: Jan 2013
Location: JAX
Programs: Virtuoso Travel Advisor, Starwood L.P., Sofitel STEP
Posts: 1,706
Quote:
Originally Posted by friedablass View Post
When you call to cancel they may transfer you to their retention departement who will try to convince you to keep the card instead of cancelling by offering you something to do so.

I'm not really so well versed in retentions because I haven't signed up for tons of cards the past few years (so whatever I have I basically keep or convert to fee free version), but there is a lot of discussion about it in this thread:

http://www.flyertalk.com/forum/credi...all-cards.html
Thanks
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