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FlyerTalk Forums Thread Wiki: Citi AA credit cards, except Executive. (2013-2014)
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* * *


SEE NEW THREAD - 50K AA Cards


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 Jun 23, 13, 11:36 am   #331
  
Join Date: Jan 2010
Programs: AA EXP/LT PLT
Posts: 1,467
Another good data point.

Quote:
Originally Posted by teammjs View Post
Another confirmation the 50k works for those <18 months from last card!

Here's mother's details:
-- Got the Visa 50k Personal in mid-March from the zombie link.
-- Has 5 Experian (Citi pulls normally from here) in last 6 months already.
-- Still has the card.
-- Applied today for the 50k visa in the link from the wiki.
-- Got to Step 3 with an Application ID and number to call.
-- Called the number, lady just verified a few minor items with no follow-up questions, and said to wait a few minutes. Mom offered to have credit line moved if necessary from other card.
-- After about 5-7 minutes, woman comes back and says approved with a large credit line (did not adjust the old one)!

Good work all-- those sharing links, those discussing "strategy", and those testing and reporting back.
supergrandslam is offline  
Old Jun 23, 13, 2:33 pm   #332
  
Join Date: Jan 2005
Posts: 186
Thanks for the help, this will be my first citi card... will hang around here more... cheers~
catcathk is offline  
Old Jun 23, 13, 3:27 pm   #333
  
Join Date: Jan 2000
Location: fort worth, texas
Posts: 915
Quote:
Originally Posted by catcathk View Post
Thanks for the help, this will be my first citi card... will hang around here more... cheers~
Citibank AA cards are like potato chips...once you have one, you'll soon want more!
teammjs is offline  
Old Jun 23, 13, 3:31 pm   #334
  
Join Date: Nov 2010
Location: Florida:)
Programs: AA, HH, SPG, UA
Posts: 205
Hubby applied via the 1st link for 50k. Approved via chat.

He has the Gold Visa Signature since March 2012.
And now approved for the Platinum Visa.

Keeping up with these constant changes has really made my head spin...lol
Would it be wise to try for another AA card in a few weeks? If so, which one?
Is the platinum visa and platinum mc considered same or different products?
express3 is offline  
Old Jun 23, 13, 3:36 pm   #335
  
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
Quote:
Originally Posted by teammjs View Post
Citibank AA cards are like potato chips...once you have one, you'll soon want more!
KennyBSAT is offline  
Old Jun 23, 13, 7:08 pm   #336
  
Join Date: Feb 2003
Posts: 6,216
Quote:
Originally Posted by teammjs View Post
Citibank AA cards are like potato chips...once you have one, you'll soon want more!
Better, even: Citibank AA cards don't get my sock drawer all greasy.
beltway is offline  
Old Jun 23, 13, 7:20 pm   #337
Moderator: Travel Buzz, Chase Credit Cards
  
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 2,182
yummmmmmm... I love potato chips, especially on my AA world travels
StartinSanDiego is offline  
Old Jun 24, 13, 5:42 am   #338
  
Join Date: Dec 2012
Posts: 491
just got approved using the new 50k link. instant approval
do you guys usually call and confirm the bonus?

edit:
confirmed the bonus over the phone. Realized I did not ask about the annual fee but I figure it is waived, will post when I get the cards.

Last edited by aeneas3; Jun 24, 13 at 5:51 am
aeneas3 is offline  
Old Jun 24, 13, 7:23 am   #339
  
Join Date: Mar 2000
Posts: 46
My wife was going to apply for the Gold 30K offer today as part of her AOR, but it looks like that link is now dead. She has Platinum Select Visa and Amex from just over 12 months ago (still open). With the Gold Aadvantage offer now pulled, are there any other options available?
Brewmaster is offline  
Old Jun 24, 13, 7:55 am   #340
  
Join Date: Jun 2013
Location: Boston, MA
Programs: AAdvantage
Posts: 15
Hi everyone,

Got my first Citi Visa AAdvantage Platinum last week (missed the 50k by a couple days, damn).

For those with Citi cards I'm wondering the following: Beyond reaching your required spending to gain your miles ($3000 in 4 months, or whatnot), do you use your Citi cards, or just churn them?

I have signed up for the AAdvantage plans like eShopping and Dining, but I'm wondering if people have found that other than the high points gained from flying or churning, all the other means of getting miles are somewhat superfluous.

I would like to churn, but, while I've never had a late payment or been worried about my finances, I do have student loans that have hurt my credit a bit.

I'd love to hear people's thoughts. Everyone has been awesome so far, and it's greatly appreciated.
pwmboslax is offline  
Old Jun 24, 13, 8:06 am   #341
  
Join Date: Sep 2012
Posts: 104
Quote:
Originally Posted by pwmboslax View Post
Hi everyone,

Got my first Citi Visa AAdvantage Platinum last week (missed the 50k by a couple days, damn).

For those with Citi cards I'm wondering the following: Beyond reaching your required spending to gain your miles ($3000 in 4 months, or whatnot), do you use your Citi cards, or just churn them?

I have signed up for the AAdvantage plans like eShopping and Dining, but I'm wondering if people have found that other than the high points gained from flying or churning, all the other means of getting miles are somewhat superfluous.

I would like to churn, but, while I've never had a late payment or been worried about my finances, I do have student loans that have hurt my credit a bit.

I'd love to hear people's thoughts. Everyone has been awesome so far, and it's greatly appreciated.
i only do in that i have retention offers going on them (so they earn 2x for the first $750 spent each statement). otherwise, no
agent0068 is offline  
Old Jun 24, 13, 8:10 am   #342
  
Join Date: Sep 2012
Location: Washington, DC
Programs: United 0k
Posts: 8
Messed up on this one. I had poor internet connection and was using chrome and IE to see if one of the browsers would be better at processing the application for 50k platinum visa. Internet connection timed out on IE somewhere between submission and processing, so then I used chrome to complete another application. Not knowing if the first application on IE went through, it was apparent that it did because the chrome application read "pending further decision" or something similar.

Will I have 2 hard pulls because of this? Will I still be able to apply for the 40k mastercard after 30 hours or will I have to wait 65 days?
thephilipj is offline  
Old Jun 24, 13, 9:40 am   #343
  
Join Date: Jul 2012
Location: CA
Programs: Hyatt Diamond, Marriott Platinum, Hilton Gold
Posts: 129
Quote:
Originally Posted by Regulator85 View Post
I have a Citi Aadvantage card that I got about 18 months ago so I wanted to apply for another at some point. A few months after I got this card, I was on the phone with Citi and they offered me the Aadvantage Amex with a 30k bonus. I got this card and then cancelled it about 6 months later in order to shift credit to a new card. My question is did the subsequent Amex card restart the 18 month clock to be eligible for another bonus? Technically I shouldn't have been eligible for the bonus with the Amex but they offered it.



Update: I applied today for the 50k offer and was instantly approved. My wife, who has had a card since 9/12 also was approved. I haven't confirmed the offer with anyone from Citi so we will see if I get the bonus but it sounds like we will from what the other posts are saying. Also, I realized my first card was issued only 16 months ago.

So is the next step in this strategy to apply for the gold card for 25k tomorrow?
Update: Yesterday my wife and I applied for the Gold card. My wife was instantly approved and I was approved over chat. So here is a breakdown of our timeline for your info.

Me
02/12 - Approved for Platinum (didn't know about the 2 browser trick at the time)
05/12 - Offered and approved for Amex
12/12 - canceled Amex
06/13 - approved for Platinum
06/13 - approved for gold next day

Wife
09/12 - Approved for Platinum
06/13 - Approved for 50 k Platinum
06/13 - Approved for gold next day
Alphatmldr is offline  
Old Jun 24, 13, 9:41 am   #344
  
Join Date: Feb 2013
Location: Tampa, FL
Posts: 304
Quote:
Originally Posted by thephilipj View Post
Messed up on this one. I had poor internet connection and was using chrome and IE to see if one of the browsers would be better at processing the application for 50k platinum visa. Internet connection timed out on IE somewhere between submission and processing, so then I used chrome to complete another application. Not knowing if the first application on IE went through, it was apparent that it did because the chrome application read "pending further decision" or something similar.

Will I have 2 hard pulls because of this? Will I still be able to apply for the 40k mastercard after 30 hours or will I have to wait 65 days?
Pulls will likely be merged since applications were within minutes of each other. I wouldn't be too concerned about that.

You will have 2 applications into Citi and will not be approved for a card (regardless of this outcome) for at least 60-65 days.
jonnyd13 is offline  
Old Jun 24, 13, 10:02 am   #345
  
Join Date: Mar 2000
Posts: 46
"Update: Yesterday my wife and I applied for the Gold card. My wife was instantly approved and I was approved over chat. So here is a breakdown of our timeline for your info."

I thought the Gold card link was dead. Is there another link that is available or did it die in the last 24 hrs?
Brewmaster is offline  
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