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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 Jun 9, 14, 11:20 pm   #4681
 
Join Date: Apr 2014
Posts: 22
Quote:
Originally Posted by Happy View Post
]Citi considers ALL AAdvantage cards being only TWO categories - personal and business.
Aha, that is probably where I was getting confused. Thanks.
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Old Jun 10, 14, 9:51 am   #4682
 
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Originally Posted by IkeEsq View Post
ALL cards are subject to the 8/60 rule (65 to be safe). Business cards are also subject to the "One Business app per 90 days" rule (95 days to be safe).
Thanks, just wanted to make sure my Citi business card app can be slipped in and I am not violating any 12/24/26 month rules due to my 4 exec cards in 2014 or 2 platinum cards from July/August 2013. I will stick to the 8/60/90 day rule.
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Old Jun 10, 14, 12:56 pm   #4683
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Originally Posted by IkeEsq View Post
No, not everyone has to close the accounts before applying for a new one. I have had three open at the same time, as has my wife. I currently have one open and just applied for another and got to step 5, and will likely have no problems getting it.
To make that information useful:

Please explain how someone can figure out (without blowing a pull, ie, ahead of time) whether they're going to be one of those who can apply for another business card without closing both accounts of the previous one or not.

Is it keyed to how long you've had the previous ones open? Is it keyed to whether you have a Citi Gold account or something like that? Is it keyed to whether you have "real" business expenses? Or is it totally random (and thus something the next person cannot at all depend on)?
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Old Jun 10, 14, 9:07 pm   #4684
 
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Quote:
Originally Posted by sdsearch View Post
To make that information useful:

Please explain how someone can figure out (without blowing a pull, ie, ahead of time) whether they're going to be one of those who can apply for another business card without closing both accounts of the previous one or not.

Is it keyed to how long you've had the previous ones open? Is it keyed to whether you have a Citi Gold account or something like that? Is it keyed to whether you have "real" business expenses? Or is it totally random (and thus something the next person cannot at all depend on)?
No idea. As I said, I have had three open at the same time, all sole proprietorships, all $0 revenue, mostly minimum spend on them. No Citi Gold accounts, just lots of credit cards.

Mine were opened: 6/11, 4/12, 9/12, 9/13, 6/14. I closed the first three prior to opening the 4th, which is still open. My wife's were opened: 6/11, 7/12, 2/13, 9/13.

There are few certainties in this game, all we have are the anecdotal reports of others. The question is, is it worth a hard pull here and there to test the limits? To me it is. So I took a chance yesterday to see if I could still have multiple business cards open at the same time. Just found out it was approved without even calling. Last summer my wife and I took a couple of hard pulls to figure out that you could (if briefly) churn AA Personal cards and how often.

Apply for a business card. Make the spend. Leave the card open. 90(95) days later, apply for another Business card. Then you'll know.
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Old Jun 11, 14, 12:46 pm   #4685
 
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Originally Posted by IkeEsq View Post
Apply for a business card. Make the spend. Leave the card open. 90(95) days later, apply for another Business card. Then you'll know.
Why would anyone apply for a bus card, getting another HP, and having to wait another 65 days, and then wait to find out what happens, when they could get 100K miles by applying for an EXEC card instead?
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Old Jun 11, 14, 2:14 pm   #4686
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Originally Posted by Brugge View Post
Why would anyone apply for a bus card, getting another HP, and having to wait another 65 days, and then wait to find out what happens, when they could get 100K miles by applying for an EXEC card instead?
Because the spend requirement on the business card is reasonable without much if any MS for many people, while the 100k Exec card offer's way higher spend requirement (with not any greater time to complete it) requires having heavy MSing for most people, no? (And not everyone is near a Walmart, and without a Walmart nearby, heavy MSing is not necessarily all that simple.)

(And that's also ignoring the big annual fee difference, which some people don't want to ignore. And while there may be possible tricks to avoid the annual fee, they require the spend to be even faster.)
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Old Jun 11, 14, 11:44 pm   #4687
 
Join Date: Jun 2010
Posts: 20
Hello,

I need some advice. DW applied for the business card and I completely forgot to have her cancel her old card! As expected, she was declined for the card. Can we cancel her original business card and call the reconsideration line again? Which ones of the reconsideration lines in the wiki should we try?

Thanks!
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Old Jun 12, 14, 9:45 am   #4688
 
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Originally Posted by sdsearch View Post
And not everyone is near a Walmart, and without a Walmart nearby, heavy MSing is not necessarily all that simple.
IMHO Any one who is serious about miles and points, who doesn't live near a WM, needs to move.
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Old Jun 12, 14, 11:40 am   #4689
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Originally Posted by Brugge View Post
IMHO Any one who is serious about miles and points, who doesn't live near a WM, needs to move.
I think you mean anyone who is in serious need of miles and points.

I think I"m "serious" enough about miles and points, but with about 2.5 million miles in several (but not quite enough!) different programs (net remainder after accumulating over the last ten years), including just over 1.5 million at AA, and with about 2 million hotel points in a number of different programs, and with only a few weeks of vacation time a year and no need for "aspirational" hotel properties, I don't have the "urgency" to have actually tried MSing yet. (I've set up a Bluebird account, but so far no activity in it yet. I got it late last year when I thought I might not be able to do some back-to-back spend thesholds "naturallY', but I was able to. Most weeks I'm near a Walmart at least once in my work-related [ground] travel, but I'm not close to one at home.)

As long as I'm earning faster than I can burn, what's the great need to earn at a "maniac" pace?

I got a large chunk of miy AA miles the easier way: During the 2BM era without limitations and with very small spend requirements, before the economic downturn, when I was getting about 10 AA cards a year. Then I was EXP, though DEQM/TEQM promos, for a few years, and during those years it made more sense to buy economy tickets and use SWUs to upgrade, so the miles accumulated but didn't get used much.
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Old Jun 12, 14, 1:31 pm   #4690
 
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Executive Churnable?

Quote:
Originally Posted by bobby21 View Post
Yes, I am planning to churn the exec card till the end of time. But I thought I could slip in a business card app under the radar as Citi sent me the mailer directly. Is the business card subject to the 8/65 day rule?
Noob question here: Is this card churnable? I got it back in Jan but dont want to waste a hard pull and spend if I can't get it again.
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Old Jun 12, 14, 2:55 pm   #4691
 
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Quote:
Originally Posted by balian1131 View Post
Noob question here: Is this card churnable? I got it back in Jan but dont want to waste a hard pull and spend if I can't get it again.


Really? Go to the thread that's all about the Citi Exec. card.
People are already on their 3-4th card.
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Old Jun 12, 14, 3:18 pm   #4692
 
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Smile Citi Exec

Quote:
Originally Posted by f0xx View Post


Really? Go to the thread that's all about the Citi Exec. card.
People are already on their 3-4th card.
My understanding is that they changed the terms and conditions in April and the card isnt churnable anymore. Can you send me the link to the Exec thread your referring too? Sorry for the hassle
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Old Jun 12, 14, 3:39 pm   #4693
 
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Quote:
Originally Posted by balian1131 View Post
My understanding is that they changed the terms and conditions in April and the card isnt churnable anymore. Can you send me the link to the Exec thread your referring too? Sorry for the hassle
It's in the Wiki..
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Old Jun 12, 14, 9:18 pm   #4694
 
Join Date: Apr 2011
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Quote:
Originally Posted by Brugge View Post
Why would anyone apply for a bus card, getting another HP, and having to wait another 65 days, and then wait to find out what happens, when they could get 100K miles by applying for an EXEC card instead?
Why would anyone spend $450 AF for 105K AA points that I can get for free?
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Old Jun 12, 14, 10:49 pm   #4695
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Originally Posted by IkeEsq View Post
Why would anyone spend $450 AF for 105K AA points that I can get for free?
Wrong math.

1) You get back $200 statement credit, so the net cost of the AF is $250.

2) Loads of people cancel their cards once their 100K posted within 37 days of the AF is billed and get full reversal of the AF. That means it is 0 AF, PLUS $200 statement credit.

3) If you do not do No.2), you still get a card that gives you lounge benefits (including those partners that now AA has reciprocal arrangements), as well as 0% forex fee. The Admiral Club's annual fee is $450, so you got it at a discount for the net cost of $250. Some may find this worth it.
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