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This wiki is no longer being maintained/updated. See the new thread & wiki at http://www.flyertalk.com/forum/citi-...24-months.html. * * * 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 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. 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. Citibank Contacts/Resources (Please add the others that you know)
FAQ
1. Are these AA cards churnable? Yes and No. The general rules are:
2. What are the most current time-restriction rules in applying for all Citi cards?
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:
Reasons to close accounts:
5. Can I apply for a business card if I don’t 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, it’s 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:
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:
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: "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." 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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