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Old Nov 4, 14, 12:51 pm   -   Wikipost
FlyerTalk Forums Thread Wiki: Citi AA credit cards. Best offers now 50k. [Read wikipost first]
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Last edit by: sdsearch
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 Personal and Business:50K miles & two Admirals Club one-day passes after $3000 spend in 3 months, $95 fee waived first year.

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.

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. 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 by some people without restriction other than the general Citi application rules. Apply once every 91-95 days. For unknown reasons, some other 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 Aug 11, 14, 4:37 pm   #4936
 
Join Date: Jun 2009
Location: Oakland, CA
Posts: 839
If I met the 10k spend in the first month and got my miles, can I cancel and get my annual fee refunded? My first statement just closed yesterday. I'm confused what the cutoff dates for this are.

Also, if I have any returns on this card and it has been canceled, how is that handled? Thanks.
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Old Aug 11, 14, 11:33 pm   #4937
 
Join Date: Jan 2011
Posts: 39
I have 2 100k miles cards, I've made the spend limit and have the miles in my account. Should I cancel the cards now or wait until the annual fee is up?
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Old Aug 12, 14, 8:04 am   #4938
 
Join Date: Apr 2011
Posts: 325
Denied for business card. Made sure old accounts were closed. Rep said the bonus is for 1st time card holders only. Last card received in 2010, closed July 2013. Should I try calling again and hopefully get a better rep? The rep sounded like she was reading from a computer and did not have any decision making powers - unlike my recon calls for the citi exec card. Not even sure they pulled my credit.

Last edited by bobby21; Aug 12, 14 at 8:55 am.
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Old Aug 12, 14, 12:46 pm   #4939
 
Join Date: Jul 2003
Location: Wine Country, Finger Lakes
Programs: LFFRS BOD
Posts: 970
In checking credit karma which lists all my Hard Pulls Citi did not do one for this card, I do have 2 other Citi cards. Is this normal?
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Old Aug 12, 14, 3:16 pm   #4940
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Quote:
Originally Posted by hamburglar View Post
If I met the 10k spend in the first month and got my miles, can I cancel and get my annual fee refunded? My first statement just closed yesterday. I'm confused what the cutoff dates for this are.

Also, if I have any returns on this card and it has been canceled, how is that handled? Thanks.
Quote:
Originally Posted by jamboree View Post
I have 2 100k miles cards, I've made the spend limit and have the miles in my account. Should I cancel the cards now or wait until the annual fee is up?
Youre' both in the wrong thread. The thread for the Executive card (which gave 100k for 10k spend) is:

http://www.flyertalk.com/forum/credi...e-posting.html

(And your questions are probably already answered in the wikipost of that thread. So read that first.)
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Old Aug 12, 14, 3:20 pm   #4941
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Quote:
Originally Posted by bobby21 View Post
Denied for business card. Made sure old accounts were closed. Rep said the bonus is for 1st time card holders only. Last card received in 2010, closed July 2013. Should I try calling again and hopefully get a better rep? The rep sounded like she was reading from a computer and did not have any decision making powers - unlike my recon calls for the citi exec card. Not even sure they pulled my credit.
Did you also close the "master account" related to this last card? (It's unclear from your wording what exactly you closed.)

As stated multiple times in this thread, there are two accounts created when you open a Citi business card: the card account itself, and the "master account" (which would cover both that card and any employee cards they think you might get in the future). If you cancel just the card account only, you aren't cancelled enough to get a subsequent application for a new Citi business card approved.
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Old Aug 12, 14, 6:10 pm   #4942
 
Join Date: Apr 2011
Posts: 325
Quote:
Originally Posted by sdsearch View Post
Did you also close the "master account" related to this last card? (It's unclear from your wording what exactly you closed.)

As stated multiple times in this thread, there are two accounts created when you open a Citi business card: the card account itself, and the "master account" (which would cover both that card and any employee cards they think you might get in the future). If you cancel just the card account only, you aren't cancelled enough to get a subsequent application for a new Citi business card approved.
Yes my master account was closed too. The churning of this card has never worked well for me, unlike the citi exec card, maybe because I have a legit business with growing revenues.

As long as they did not pull my credit, I don't care, but let me wait for the letter and I will give them a call.
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Old Aug 13, 14, 2:12 pm   #4943
 
Join Date: Apr 2011
Posts: 1,086
Quote:
Originally Posted by bobby21 View Post
Yes my master account was closed too. The churning of this card has never worked well for me, unlike the citi exec card, maybe because I have a legit business with growing revenues.

As long as they did not pull my credit, I don't care, but let me wait for the letter and I will give them a call.
Heh. For all the people you hear going on about not getting Business cards because they don't have a legitimate business, the only Business card I ever had problems getting was the Chase Bold I got for an actual business with EIN, etc. Stick with Sole Proprietorship with no income, 1 employee and 1 year in business and never have a problem getting a business card again!
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Old Aug 13, 14, 5:37 pm   #4944
 
Join Date: Mar 2014
Posts: 3
Anybody get denied for having "too many Citi cards at one time" as a reason? I received a letter in the mail after my most recent Business application - I had churned it previously (twice), always using the 8/65 rule with considerable room for timing differences. This time, no-go...a little odd. I've had 12 Citi cards in the last 24 months, mostly AA cards. Only 2 open at time of denial.

Last edited by mrfreemiles; Aug 13, 14 at 5:43 pm. Reason: Last sentence added.
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Old Aug 14, 14, 4:16 pm   #4945
 
Join Date: Nov 2009
Location: STL
Programs: AA LT Plat, 6.0 MM, Marriott LT Platinum
Posts: 900
$95 fee will be waived?

I was just approved for the 50K offer using the Platinum personal MC link in the wiki above, in an incognito window. The approval lists the $95 fee but doesn't say anything about waiver for the first year. Do you think it will be waived?
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Old Aug 14, 14, 4:33 pm   #4946
 
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Quote:
Originally Posted by siankaan1 View Post
I was just approved for the 50K offer using the Platinum personal MC link in the wiki above, in an incognito window. The approval lists the $95 fee but doesn't say anything about waiver for the first year. Do you think it will be waived?
Yes. The landing page for that app says it's waived for the first year. Approval emails often omit this info for no good reason.
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Old Aug 14, 14, 6:09 pm   #4947
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Quote:
Originally Posted by siankaan1 View Post
I was just approved for the 50K offer using the Platinum personal MC link in the wiki above, in an incognito window. The approval lists the $95 fee but doesn't say anything about waiver for the first year. Do you think it will be waived?
Quote:
Originally Posted by beltway View Post
Yes. The landing page for that app says it's waived for the first year.
And what neither landing page or the list of fees or the approval says, but is likely to be the case, is that you very well may not need to even pay the $95 annual fee "net" in the second year:

http://www.flyertalk.com/forum/credi...all-cards.html
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Old Aug 15, 14, 12:21 pm   #4948
 
Join Date: Sep 2013
Posts: 10
If I applied Aug 15th. Does that mean I will only have Aug, September, And October to meet the spending requirement?

Or will they give you the full 90 days and make the deadline Nov 15th (90 days from aug 15th)?
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Old Aug 15, 14, 3:09 pm   #4949
 
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Quote:
Originally Posted by porky2k5 View Post
If I applied Aug 15th. Does that mean I will only have Aug, September, And October to meet the spending requirement?

Or will they give you the full 90 days and make the deadline Nov 15th (90 days from aug 15th)?
You'll have roughly 90 days from approval date. Once you receive the card, you can send Citi a secure message through your online account if you want to know the exact deadline.
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Old Aug 15, 14, 5:04 pm   #4950
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Quote:
Originally Posted by porky2k5 View Post
Or will they give you the full 90 days and make the deadline Nov 15th (90 days from aug 15th)?
Because of some 31-day months between now and then, 90 days from Aug 15 is not exactly Nov 15. So don't do it down to the wire with bad math. As beltway said, if you need the exact day, have Citi give it to you after you get the card.

Anyway, it's a "full" 90 days from the approval, yes, but that's not a full 90 days from when you receive the card. Typically you have only about 2.5 months from when you receive the card. And to allow for transaction posting issues, you should try to be early even from that.

And remember to count your purchases very carefully and/or add some "buffer". Especially be very careful that you don't use the card for anything you might need to return (and get a refund) if you won't have time to do additional spend to cover that.
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