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Old Oct 6, 14, 7:54 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 Mar 31, 14, 2:51 pm   #4486
 
Join Date: Dec 2013
Location: Midwest
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Quote:
Originally Posted by healthnut View Post
Can you give me an example of where it does not apply with the Exec?

(Not a challenge, sincerely serious! I'm at day 58... )
Several examples in the exec thread, including mine.

Day 1: Personal
Day 9: Biz
Day 54: Exec

VERY YMMV, could waste a hard pull. I figured I was getting trolled in that thread but went for it anyways...
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Old Mar 31, 14, 3:35 pm   #4487
 
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Quote:
Originally Posted by thepaul500 View Post
Several examples in the exec thread, including mine.

Day 1: Personal
Day 9: Biz
Day 54: Exec

VERY YMMV, could waste a hard pull. I figured I was getting trolled in that thread but went for it anyways...
Thank you!

Ahhhh... I'm itching....
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Old Mar 31, 14, 3:40 pm   #4488
 
Join Date: May 2013
Posts: 2
Long time lurcher, first time contributor:

Last week I applied for a Personal Platinum MasterCard, but was denied due to already having a Personal Platinum Visa that was over 24 months old. I called the reconsideration line immediately after the denial. The rep told me they had just created a new policy stating that they won't approve a second Personal AA card if you already have one open and that they had not yet decided how long the policy would stay in effect. I don't know if the rep knew what she was talking about, but that was what I was told.

Not wanting to waste a hard pull, I ran back and applied for the Biz MasterCard regardless of the warnings of one app per day and was instantly approved. My last AA Biz approval was around 14 months prior.
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Old Mar 31, 14, 4:02 pm   #4489
 
Join Date: Sep 2013
Posts: 259
Quote:
Originally Posted by LANort View Post
Long time lurcher, first time contributor:

Last week I applied for a Personal Platinum MasterCard, but was denied due to already having a Personal Platinum Visa that was over 24 months old. I called the reconsideration line immediately after the denial. The rep told me they had just created a new policy stating that they won't approve a second Personal AA card if you already have one open and that they had not yet decided how long the policy would stay in effect. I don't know if the rep knew what she was talking about, but that was what I was told.

Not wanting to waste a hard pull, I ran back and applied for the Biz MasterCard regardless of the warnings of one app per day and was instantly approved. My last AA Biz approval was around 14 months prior.
That is very interesting. I currently have all 3 flavors of the AAdvantage personal cards (visa, MC and AMEX). They're all were approved the same year... I've been thinking about canceling 2 out of the 3
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Old Mar 31, 14, 4:09 pm   #4490
 
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Quote:
Originally Posted by LANort View Post
Long time lurcher, first time contributor:

Last week I applied for a Personal Platinum MasterCard, but was denied due to already having a Personal Platinum Visa that was over 24 months old. I called the reconsideration line immediately after the denial. The rep told me they had just created a new policy stating that they won't approve a second Personal AA card if you already have one open and that they had not yet decided how long the policy would stay in effect. I don't know if the rep knew what she was talking about, but that was what I was told.

Not wanting to waste a hard pull, I ran back and applied for the Biz MasterCard regardless of the warnings of one app per day and was instantly approved. My last AA Biz approval was around 14 months prior.
I am thinking that in fact your personal app didn't even pull your score at all. Probably their system simply denied you when they see your status. If not, this will again be breaking the 8/65 rules...
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Old Mar 31, 14, 4:18 pm   #4491
 
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Quote:
Originally Posted by sincera4565 View Post
I am thinking that in fact your personal app didn't even pull your score at all. Probably their system simply denied you when they see your status. If not, this will again be breaking the 8/65 rules...
In preparation for posting on here, I asked specifically if they pulled first or denied based on my status before pulling. She confirmed a hard pull.
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Old Mar 31, 14, 6:13 pm   #4492
 
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Quote:
Originally Posted by LANort View Post
In preparation for posting on here, I asked specifically if they pulled first or denied based on my status before pulling. She confirmed a hard pull.
interesting.. so the denial reset 8/65 days clock rules is not the case for you.. umm sometimes it is quite confusing to learn the algorithm from citi. gratz the buz card work out for you
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Old Apr 1, 14, 12:40 pm   #4493
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Quote:
Originally Posted by thepaul500 View Post
Except those "Citi-wide" rules do not apply to the exec. Its ymmv obviously, but there are no hard 8/65 rules for the exec. I'm sure there is some limit, but no one has been brave enough to test yet...
Quote:
Originally Posted by healthnut View Post
Can you give me an example of where it does not apply with the Exec?

(Not a challenge, sincerely serious! I'm at day 58... )
Quote:
Originally Posted by thepaul500 View Post
Several examples in the exec thread, including mine.

Day 1: Personal
Day 9: Biz
Day 54: Exec

VERY YMMV, could waste a hard pull. I figured I was getting trolled in that thread but went for it anyways...
That example doesn't prove that it's the Exec.

First of all, please understand why it's a 65 day "rule". The actual Citi language is 60 days, but they are notorious for counting days wrong, so 65 is a number with a fudge factor added which historically has counteracted all Citi wrong counting of 60. Maybe they simply counted days wrong in the direction favorable to you on this occasion?

Second, how do you know it's not the Biz that's on a separate clock? So many things are separate about the Biz, that even though Biz has a 65 day clock, and personal has a 65 day clock, they might be separate clocks. (Because except with the Exec youi can't churn personal that fast, we don't have enough data points, I don't think, to determine for sure whether they are separate clocks or one combined clock.)

And if you don't know what your data point proves, it can be dangerous for the next person to assume what it proves, when it might be proving something else.

Since the 65 day clock was determined during an era where most people were just churning personal cards only, and it was reaffirmed in the new era when people are mostly churning business cards only, we have not had an era with enough churning of both back and forth by enough people who "pushed" the timing to know whether the clocks are separate or one united clock.

But since the 65 day clock has been a clock that applied to all personal cards before, and was always assessed before at a level that doesn't know what kind of card you're applying for, I find it much less likely that it's the Exec card that violates the 65 day clock than that either it's the biz card or just that 65 and 54 are equally likely miscounts of 60.

(The 8 part is relatively new, because as recently as a year ago, you could still apply for two cards "at once", and thus most people simply applied for 2 every 65 days. It was only once 2-at-once was "outlawed" that the 8 part was developed. But the limit on 2 card applications every "60" (65 to be safe) days has been a Citi rule for over a decade.)

Last edited by sdsearch; Apr 1, 14 at 12:46 pm.
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Old Apr 1, 14, 12:59 pm   #4494
 
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Quote:
Originally Posted by sdsearch View Post
That example doesn't prove that it's the Exec.

First of all, please understand why it's a 65 day "rule". The actual Citi language is 60 days, but they are notorious for counting days wrong, so 65 is a number with a fudge factor added which historically has counteracted all Citi wrong counting of 60. Maybe they simply counted days wrong in the direction favorable to you on this occasion?

Second, how do you know it's not the Biz that's on a separate clock? So many things are separate about the Biz, that even though Biz has a 65 day clock, and personal has a 65 day clock, they might be separate clocks. (Because except with the Exec youi can't churn personal that fast, we don't have enough data points, I don't think, to determine for sure whether they are separate clocks or one combined clock.)

And if you don't know what your data point proves, it can be dangerous for the next person to assume what it proves, when it might be proving something else.

Since the 65 day clock was determined during an era where most people were just churning personal cards only, and it was reaffirmed in the new era when people are mostly churning business cards only, we have not had an era with enough churning of both back and forth by enough people who "pushed" the timing to know whether the clocks are separate or one united clock.

But since the 65 day clock has been a clock that applied to all personal cards before, and was always assessed before at a level that doesn't know what kind of card you're applying for, I find it much less likely that it's the Exec card that violates the 65 day clock than that either it's the biz card or just that 65 and 54 are equally likely miscounts of 60.

(The 8 part is relatively new, because as recently as a year ago, you could still apply for two cards "at once", and thus most people simply applied for 2 every 65 days. It was only once 2-at-once was "outlawed" that the 8 part was developed. But the limit on 2 card applications every "60" (65 to be safe) days has been a Citi rule for over a decade.)
Whoa, easy there, please go read the exec thread for other examples of the same thing as I posted, except some of these being 3 exec cards in less than 60 days. I think no one "knows" how/what/why Citi does what it does, but to assume these rules are written in stone is wrong, unless there is a whole group of us trolling for fun. This whole thing is YMMV, as I said before, now the 8/65 might be good guidelines if churning, it may be possible to do better.
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Old Apr 2, 14, 1:58 pm   #4495
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Quote:
Originally Posted by thepaul500 View Post
This whole thing is YMMV, as I said before, now the 8/65 might be good guidelines if churning, it may be possible to do better.
So here's the problem with "may be possible" to do better.

If and you can't do beter (because as you said YMMV), by trying just a few days too early, you've set your whole clock back, since rejections (including for trying too early) reset the clock exactly like approvals do!

So you can wait 65 days and be confident of what your clock will be in the future, or can play with fewer days but risk not knowing whether your clock will get reset with a denial for trying "a few days too early".

It would take even more "dangerous" experiments by someone (applying for Exec at 1/8/15) to see what the real Exec clock is (it would presumably be hinted at in the ltter for being rejected at 15, if rejected at 15). The only reason we know of the (until Exec considered "Citi-wide") 65-day clock is because Citi sends out a letter at 25 or 35 or 45 days saying something like "you have made more than 2 applications within 60 days", and then we noticed sometimes people got that same letter even at 61 or 62 days, and so we padded it out to 65. Without such a letter at 15 days from someone who tried 1/8/15 on Exec, we can't figure out what the Citi rules are for Exec (or even whether they're different, or whether Citi simply changed the Cit-wide rules a couple months ago but no one has received a differently-phrased letter yet so we don't know about it).

Ie, it's possible that a few months ago the formerly-Citi-wide 65-day rule changed to a still-Citi-wide 35-day rule or something. There's simply not enough data to know immediately when one of these rules changes, because people don't violate the rule by that much that often and don't often post what those rejection letters say when they do.
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Old Apr 2, 14, 6:24 pm   #4496
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I applied for the Citi AA business card on March 17 and got the "further processing" message. It said they would contact me within a week by email, but I never received one. Today the card showed up in the mail -- a World Mastercard. Only a $1000 CL, though.
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Old Apr 3, 14, 3:05 pm   #4497
 
Join Date: Aug 2013
Posts: 104
Only 1 AA Biz Card Allowed

I applied for my second AA Biz card today and was instantly declined. Upon calling the reconsideration line I was told that only one AA Biz card is allowed (my credit report wasn't even pulled). I applied for my first AA Biz card back in August.

It doesn't seem that the Biz card can be churned anymore.
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Old Apr 3, 14, 6:17 pm   #4498
 
Join Date: Oct 2006
Posts: 121
I have not applied for any Citi AA card for 7 months and closed my Business card today.

I want to apply for another 50k business card but again since I just cancelled my Citi AA business card today how long is recommended waiting before I should apply ?
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Old Apr 3, 14, 7:49 pm   #4499
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Quote:
Originally Posted by rjs11 View Post
I applied for my second AA Biz card today and was instantly declined. Upon calling the reconsideration line I was told that only one AA Biz card is allowed (my credit report wasn't even pulled). I applied for my first AA Biz card back in August.

It doesn't seem that the Biz card can be churned anymore.
But did you cancel both the card account and the master account associated with it??? You don't mention anything about cancellation.

The business AA card can only be churned if you fully cancel (both the card account and the master account of) the previous card before you apply for the new one. That's explained in the wikipost above.

(And that's completely different than the cancellation rules for Citi personal cards, which are that you don't need to cancel before apply for another.)
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Old Apr 3, 14, 9:43 pm   #4500
 
Join Date: Oct 2006
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Quote:
Originally Posted by rover4618 View Post
I have not applied for any Citi AA card for 7 months and closed my Business card today.

I want to apply for another 50k business card but again since I just cancelled my Citi AA business card today how long is recommended waiting before I should apply ?

I cancelled both the card and the account so is there any recommended time to wait to re-apply for the business card ?

By the way they offered me a 10,000 mile retention bonus if I spent $5,000 in 6 months which I turned down.
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