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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 Feb 27, 14, 9:40 pm   #4276
 
Join Date: Nov 2013
Posts: 13
Quote:
Originally Posted by Superorb View Post
I've had success bumping a 40k Biz card to 50k. Send them a SM and give it a shot.
Thanks. I guess I need to get the card in hand and then register for a Citi account online and SM them?
Chrisdg19006 is offline   Reply With Quote
Old Feb 27, 14, 9:45 pm   #4277
 
Join Date: Oct 2011
Location: Denver, CO
Posts: 1,593
Quote:
Originally Posted by Chrisdg19006 View Post
Thanks. I guess I need to get the card in hand and then register for a Citi account online and SM them?
Yup
Superorb is offline   Reply With Quote
Old Feb 27, 14, 10:02 pm   #4278
 
Join Date: Feb 2014
Location: San Juan, Puerto Rico
Posts: 17
Not trying to get into a political or ideological argument here. Are we part of the US? Yes. Do I have a US passport? Again yes. Unfortunately, the are many instances for which we are considered US residents and many others for which we are not. That's the way it is for us.

I've never applied for a Citi CC before so I can only give you an example of my experience with AMEX so you can at least understand my concern. I've had my eye on the Blue Cash Preferred and the PRG for a long time. Both of these cards have the US gas stations, US supermakets, etc. categories. I've called AMEX three times with the same question I posted here (Is PR considered part of the US?) and I have received three different answers: US categories DON'T apply to PR, US categories DO apply to PR and the best one was that only merchants in military facilities are considered part of the US for these categories. Needless to say, I haven't applied for those cards.

I just don't want to waste a credit pull to later get the "Sorry, US means only the 50 states and DC" switcheroo.
edwin444pr is offline   Reply With Quote
Old Feb 28, 14, 3:05 am   #4279
 
Join Date: Oct 2013
Posts: 165
Quote:
Originally Posted by edwin444pr View Post
Not trying to get into a political or ideological argument here. Are we part of the US? Yes. Do I have a US passport? Again yes. Unfortunately, the are many instances for which we are considered US residents and many others for which we are not. That's the way it is for us.

I've never applied for a Citi CC before so I can only give you an example of my experience with AMEX so you can at least understand my concern. I've had my eye on the Blue Cash Preferred and the PRG for a long time. Both of these cards have the US gas stations, US supermakets, etc. categories. I've called AMEX three times with the same question I posted here (Is PR considered part of the US?) and I have received three different answers: US categories DON'T apply to PR, US categories DO apply to PR and the best one was that only merchants in military facilities are considered part of the US for these categories. Needless to say, I haven't applied for those cards.

I just don't want to waste a credit pull to later get the "Sorry, US means only the 50 states and DC" switcheroo.
Yes, I know for a fact that PR will get this offer honored. And also the AMEX cards. Go for it.

Regarding the problems with Citi not reporting miles to AA, my third statement just closed and it finally reported the miles. A bonus of calling a complaining is that they gave me 1,000 miles for my troubles. Too bad I met the 50k requirements after the statement closed, had until the 28th. I guess I have to wait for the next statement close to see the bonus posted.
andres17 is offline   Reply With Quote
Old Feb 28, 14, 5:47 am   #4280
 
Join Date: Oct 2012
Posts: 17
Data point:
Denied Business card for recently having the product. Last business application was in November 2012. Card was closed in August 2013.
ttonev is offline   Reply With Quote
Old Feb 28, 14, 4:25 pm   #4281
 
Join Date: Apr 2010
Location: ORD
Programs: AA, UA, GE
Posts: 2,291
Just got 50K shiny new AA miles. Thanks to everyone here for the great information!!

Account opened in January. Made spend requirements immediately, paid first statement. Miles posted this week.
cheltzel is offline   Reply With Quote
Old Feb 28, 14, 4:29 pm   #4282
 
Join Date: Jul 2012
Programs: AA Platinum, Marriott Platinum
Posts: 74
Quote:
Originally Posted by edwin444pr View Post
Hi all,

I could not find any info regarding the subject so if it is somewhere please point me to it.

I want to apply for a Citi Platinum Select AAdvantage Mastercard 50k offer after $3k spend that I saw in the forum. My wife would do the same after I meet the minimum spend. When reading the T&C's it says that it is only for US residents but, when I go to the application, Puerto Rico is in the list of states which means that I could fill the application with my PR address.

My questions is, if I apply with a PR address will this offer be honored? I like the Citi cards better than the ones offered locally by Banco Popular mainly because the Popular cards have such atrocious signup bonuses.

Any help would be greatly appreciated.
I can confirm that the offer will be honored for residents of Puerto Rico.
PRHusky is offline   Reply With Quote
Old Feb 28, 14, 5:46 pm   #4283
 
Join Date: Feb 2014
Posts: 7
Hey guys, kind of new to the miles game but have been researching for a while and just wanted to confirm something.

Platinum Personal opened around mid Dec - Spend hit, miles posted

Executive opened ~65 days later and I am currently working on meeting that spend

Now my question is can I apply for my first business card as long as it is 8 days after I was approved for my executive card?
coronado22 is offline   Reply With Quote
Old Feb 28, 14, 6:16 pm   #4284
2014 Secret Santa
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,044
Quote:
Originally Posted by coronado22 View Post
Hey guys, kind of new to the miles game but have been researching for a while and just wanted to confirm something.

Platinum Personal opened around mid Dec - Spend hit, miles posted

Executive opened ~65 days later and I am currently working on meeting that spend

Now my question is can I apply for my first business card as long as it is 8 days after I was approved for my executive card?
Assuming no other cards issued by Citi, yep. Welcome to Flyertalk!
KennyBSAT is offline   Reply With Quote
Old Feb 28, 14, 6:28 pm   #4285
 
Join Date: Sep 2011
Location: LIM
Posts: 64
Quote:
Originally Posted by coronado22 View Post
Hey guys, kind of new to the miles game but have been researching for a while and just wanted to confirm something.

Platinum Personal opened around mid Dec - Spend hit, miles posted

Executive opened ~65 days later and I am currently working on meeting that spend

Now my question is can I apply for my first business card as long as it is 8 days after I was approved for my executive card?
yeah you're fine if you've exceeded 65 days since the 1st app
SammySpade is offline   Reply With Quote
Old Feb 28, 14, 9:36 pm   #4286
 
Join Date: Feb 2013
Location: MKE
Posts: 58
2nd statement on business card posted today, still 0 miles reported to AA..ugh!
bleech2 is offline   Reply With Quote
Old Mar 1, 14, 5:37 am   #4287
 
Join Date: Jan 2008
Posts: 82
Quote:
Originally Posted by bleech2 View Post
2nd statement on business card posted today, still 0 miles reported to AA..ugh!
I have 4 AA biz cards with bonus miles outstanding. (200k AA miles pending since Nov) I bit the bullet and called in. What I was told is that this is a known issue since November specifically on the business cards. There is a system-wide fix going in this month. All Citi AA biz card holders should wait until their next statement posts and hopefully it should be resolved.

sounds like the same story that others have been told .. has any AA Biz cardholder (since Nov 2013) received the bonus miles on AA accounts?
apuraja is offline   Reply With Quote
Old Mar 1, 14, 6:27 am   #4288
 
Join Date: Apr 2005
Location: NYC
Posts: 989
Quote:
Originally Posted by apuraja View Post
I have 4 AA biz cards with bonus miles outstanding. (200k AA miles pending since Nov) I bit the bullet and called in. What I was told is that this is a known issue since November specifically on the business cards. There is a system-wide fix going in this month. All Citi AA biz card holders should wait until their next statement posts and hopefully it should be resolved.

sounds like the same story that others have been told .. has any AA Biz cardholder (since Nov 2013) received the bonus miles on AA accounts?
Same here. No AA biz card miles since Dec 2013. Every month I was told to wait for the next statement.
yoyo is offline   Reply With Quote
Old Mar 1, 14, 11:09 am   #4289
 
Join Date: Jul 2011
Location: Chicago
Posts: 137
Quote:
Originally Posted by apuraja View Post
I have 4 AA biz cards with bonus miles outstanding. (200k AA miles pending since Nov) I bit the bullet and called in. What I was told is that this is a known issue since November specifically on the business cards. There is a system-wide fix going in this month. All Citi AA biz card holders should wait until their next statement posts and hopefully it should be resolved.

sounds like the same story that others have been told .. has any AA Biz cardholder (since Nov 2013) received the bonus miles on AA accounts?
None since November. 4th statement just ended.

Saving grace is that AA has said they have notated my account to go into debt by 50k miles if I need to book an award. Don't think they would throw out that offer unless they knew this was an issue and were working hard to correct it.
kaipoman is offline   Reply With Quote
Old Mar 1, 14, 12:05 pm   #4290
 
Join Date: Oct 2006
Posts: 121
Can somebody please clarify this language from the Wiki.

------------------------------------------------------------------------
1. Are these AA cards churnable?
Yes and No. The general rules are:


Business AA cards: have been churnable repeatedly without restriction other than the general Citi application rules. Apply once every 91-95 days. Some people have had problems if both the business account (16 digits) and the individual card accounts (16 digits each) are not closed first.Other people have been unable to churn these at all.
-------------------------------------------------------------------------
I am confused by the 16 digits each language ...

Does this mean simply that you must close your current Business Card accounts (and personal ?) before applying for a new Business card ?

Last edited by rover4618; Mar 1, 14 at 12:16 pm.
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