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FlyerTalk Forums Thread Wiki: Citi AA credit cards. Best offers now 50k. [Read wikipost first]
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Last edit by: MDtR-Chicago
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.

There is a 100k + $200 credit offer available on the Executive version of this card, with $450 annual fee. 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:
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.

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 already are 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 don’t 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 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 and an Executive AA card and are eligible under the 12-26 month rule, get the Platinum card first. 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 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.

    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.


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 50K HHonors Visa
Day 9 or later 50K Personal Platinum Visa
Day 66 or later 50K Business #1
Day 74 or later 15K ThankYou Preferred
Day 161 or later 50K Business #2

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, some 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 (no retention offers for Business cards). 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 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:
  • 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 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 Nov 14, 13, 8:42 am   #3436
 
Join Date: Sep 2013
Location: WildWildWest
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Quote:
Originally Posted by nrdk View Post
Has anyone had experience/issues with paying off Citi AA Biz with BB? Just regular Citi Credit Cards payee or what is the Citibank Credit Cards entry?
Just completed the payment today. Use Citibank Credit Card, and for the account number you just put in your Citi CC number. It took 3 days for the payment to post to my Citi account.

Easy Peasy.
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Old Nov 14, 13, 1:10 pm   #3437
 
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Originally Posted by tree100 View Post
Just completed the payment today. Use Citibank Credit Card, and for the account number you just put in your Citi CC number. It took 3 days for the payment to post to my Citi account.

Easy Peasy.
Any idea the differences between Citi and Citibank Credit Card? Is that for the differences between biz and personal? I've sent my personal Citi payments through Citi Credit Cards multiple times with no issues.
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Old Nov 14, 13, 2:54 pm   #3438
 
Join Date: Oct 2010
Location: SDF
Programs: Delta Gold, Hyatt Platinum, AA
Posts: 59
Sorry if this is a stupid question. I am an authorized user on my parents' Citi AA mastercard from a couple of months ago (to help them meet spend). I see that it appears when I look at my reports on credit Karma. Does this mean that I can not apply for my own version of this card?
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Old Nov 14, 13, 3:42 pm   #3439
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Originally Posted by waterandwoods View Post
Sorry if this is a stupid question. I am an authorized user on my parents' Citi AA mastercard from a couple of months ago (to help them meet spend). I see that it appears when I look at my reports on credit Karma. Does this mean that I can not apply for my own version of this card?
No.
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Old Nov 14, 13, 5:03 pm   #3440
 
Join Date: Aug 2013
Location: Orange County, CA
Programs: AA, BA, SPG Gold
Posts: 161
I applied for the Citi Business card for my husband. Well... there was a problem and I have to send in a SSA-89 form. Now all of this will delay getting his card (should he be accepted) by 4-6 weeks. Does anyone know if Citi adjusts the date of "application" so he will have closer to 3 months to meet is $3k spend and get the 50k miles??
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Old Nov 14, 13, 7:30 pm   #3441
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Originally Posted by slhansen219 View Post
I applied for the Citi Business card for my husband. Well... there was a problem and I have to send in a SSA-89 form. Now all of this will delay getting his card (should he be accepted) by 4-6 weeks. Does anyone know if Citi adjusts the date of "application" so he will have closer to 3 months to meet is $3k spend and get the 50k miles??
The 3 months to spend is from the date of approval, not the date of application. I had an aplication in early August that took a whole month due to 4506-T (IRS income verification) stuff, so the card wasn't approved until early September. I called after I got the card, and asked by what date I needed to meet the minimum spend, and they told me I had untl early December. So that's 3 months from the date of approval (it would have been 4 months if it had been counted from the date of application).

So delays in them processing the application don't affect the 3 months. What does affect it is the time it takes between when the card is approved and when you get it out of the mailbox and into your hands. (And, btw, Citi generally will not ship it expedited, so that is likely to take at least about a week out of your 3 months.)
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Old Nov 14, 13, 8:45 pm   #3442
 
Join Date: Aug 2013
Location: Orange County, CA
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Quote:
Originally Posted by sdsearch View Post
The 3 months to spend is from the date of approval, not the date of application. I had an aplication in early August that took a whole month due to 4506-T (IRS income verification) stuff, so the card wasn't approved until early September. I called after I got the card, and asked by what date I needed to meet the minimum spend, and they told me I had untl early December. So that's 3 months from the date of approval (it would have been 4 months if it had been counted from the date of application).

So delays in them processing the application don't affect the 3 months. What does affect it is the time it takes between when the card is approved and when you get it out of the mailbox and into your hands. (And, btw, Citi generally will not ship it expedited, so that is likely to take at least about a week out of your 3 months.)
Thanks! That is certainly a relief! I always thought it was based on application date, good to know it is the approval date. Of course, in the past, application and approval have been the same dates for me.
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Old Nov 15, 13, 2:43 pm   #3443
 
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Quote:
Originally Posted by nrdk View Post
Any idea the differences between Citi and Citibank Credit Card? Is that for the differences between biz and personal? I've sent my personal Citi payments through Citi Credit Cards multiple times with no issues.
I don't. I think when I was setting it up that I searched for "Citibank" and there was only one option that popped up. It let me add a nickname and an account number. Put in the credit card number for account and it was paid in 3 days. This was for AA Biz MC.
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Old Nov 15, 13, 7:04 pm   #3444
 
Join Date: Mar 2013
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Should I Cancel?

Background
Among my many AOR this year, I applied for 5 Citi Cards:
Citi Premier - Feb 13 - APP
Citi AA Visa - April 13 - APP
Citi AA Visa - Aug 13 - APP
Citi AA Visa - Aug 13 - 10 days after pervious Application - APP
Citi AA MC Business - Nov 2013 - APP after Recon

On the latest application I had to call the reconsideration line. After the CRS said I was approved for a $1.2k limit, I asked if i could shift some credit around. They said, "your at the max amount of credit the bank will extend to you." and that there was a separate department if I wanted to apply for a credit line increase.

So....I want to apply for the Citi HH 10 days after the most recent application. My question is, should I cancel my first AA card to free up some credit in order to get approved for the Citi HH card?

Any suggestions would be helpful, Thanks!
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Old Nov 15, 13, 8:18 pm   #3445
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Originally Posted by Brmass15 View Post
So....I want to apply for the Citi HH 10 days after the most recent application. My question is, should I cancel my first AA card to free up some credit in order to get approved for the Citi HH card?
No, it won't free your credit in time. It's likely to take 3 to 6 months after you cancel before the credit from that card is free'd up. (This is explained in the wiki, in item #4.)

On the other hand, if you don't cancel beforehand, you may be asked by Citi (during the new card's application process) to move some credit around onto your new card. They can do that only from a card that's still open.

So the proper order to do it in is to leave the old card open, apply for the new card, perhaps move credit from the old card to the new card during the new card application process phone call or online chat (if you're not approved automatically), and only then cancel the old card (after as much credit as possible has been moved off of it to the new card).
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Old Nov 16, 13, 9:35 am   #3446
 
Join Date: Dec 2008
Posts: 81
I just got approved for the biz card, after calling in and confirming my dob. however the credit line is only $1,000. Presumably I can achieve the minimum spend by paying off the balance every couple of weeks, then using the card again, rather than cutting everything too fine by spending exactly $1,000 every 30/31 day billing cycle.

My fico is mid 700's but I only make $28k per annum from my biz, plus $47k from other sources. I do have 8 credit cards with about 90k credit available, with very small balances. Presumably the low biz income of $28k was the reason I got such a low credit line.
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Old Nov 16, 13, 1:00 pm   #3447
 
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Quote:
Originally Posted by wheelsup57 View Post
I just got approved for the biz card, after calling in and confirming my dob. however the credit line is only $1,000. Presumably I can achieve the minimum spend by paying off the balance every couple of weeks, then using the card again, rather than cutting everything too fine by spending exactly $1,000 every 30/31 day billing cycle.

My fico is mid 700's but I only make $28k per annum from my biz, plus $47k from other sources. I do have 8 credit cards with about 90k credit available, with very small balances. Presumably the low biz income of $28k was the reason I got such a low credit line.
I think your ratio 90 / (28+47) > 1 is the real reason. They don't care about the source of your income.
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Old Nov 16, 13, 1:08 pm   #3448
 
Join Date: Jul 2013
Posts: 481
Don't apply if you already have one. Just don't. I applied for the biz MC version. Called few times and they said no way no chance. I have the visa version for 18 months. They sounded angry once they found my App, said you already have citi aa cards and you can't get again. offering to close an existing or moving credit line didn't matter. Called few times again and at times the same agent would pick up and scolded me. They have changed the rules folks.

Last edited by Blueskyheaven; Nov 16, 13 at 3:52 pm..
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Old Nov 17, 13, 9:36 am   #3449
 
Join Date: Jul 2011
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Quote:
Originally Posted by sdsearch View Post
No, it won't free your credit in time. It's likely to take 3 to 6 months after you cancel before the credit from that card is free'd up. (This is explained in the wiki, in item #4.)

On the other hand, if you don't cancel beforehand, you may be asked by Citi (during the new card's application process) to move some credit around onto your new card. They can do that only from a card that's still open.

So the proper order to do it in is to leave the old card open, apply for the new card, perhaps move credit from the old card to the new card during the new card application process phone call or online chat (if you're not approved automatically), and only then cancel the old card (after as much credit as possible has been moved off of it to the new card).
I'm not sure this is still correct. I have/had numerous AA & HH Citi cards. Yesterday I applied for another HH card each for my wife and I. I knew last time we talked to Citi they gave the "you're maxed out for credit with us" and had to move it around for approval. So...this time I applied for my own without cancelling an existing card. I had to call in for approval - although I didn't have to transfer credit, they only gave me a CL of $3k. For Mrs. Ops5 I cancelled one of her AA cards with a CL of $16.5k. 24 hrs later applied for the HH and she was instantly approved with CL of...$16.5k. Coincidence?
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Old Nov 17, 13, 12:59 pm   #3450
 
Join Date: Sep 2013
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Originally Posted by Blueskyheaven View Post
Don't apply if you already have one. Just don't. I applied for the biz MC version. Called few times and they said no way no chance. I have the visa version for 18 months. They sounded angry once they found my App, said you already have citi aa cards and you can't get again. offering to close an existing or moving credit line didn't matter. Called few times again and at times the same agent would pick up and scolded me. They have changed the rules folks.
I guess I need to post this again: Citi CSRs are clueless. If your app is denied, they usually don't know why, so they speculate about why that might be, then present their speculation as absolute. Much if not most of the time the reason they give you for the denial is wrong. Their favorite explanation is that "you already have/had one". When the real reason is too many Citi apps in too short a time, or too many inquiries, or some issue with your credit rating.

We will know the rules have changed when everyone who has had the card is denied for a new one. That has yet to happen.
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