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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 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 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 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 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 Dec 4, 13, 8:45 am   #3556
 
Join Date: Oct 2013
Posts: 14
Question

Applied for and received the Citi AA Visa Personal using 50K link from here--thanks all!

Reading the wiki and the comments here, it sounds like business cards are actually getting harder to get. I just started a young professionals group last year that has now franchised and moved to a new city, so I would like to jump on the Citi Business card but have never applied for a business card before.

In Oct., I received Chase SW.

Last night did first AOR (!) and approved for Amex Starwood, Citi AA Personal and CSP. Club Carlson pending.

Credit score as of last night was around 770. These are only cards, no inquiries before Chase SW card in October.

I know there is a waiting period of about 8 days or more before Citi will even look at another app.

Any advice about how long I should wait to apply for the business? Better to wait longer (ie: 65-90+ days) or do a quick turnaround and apply in 10ish days? Don't want to push my luck too much, but really hoping to get the pair of AA cards sooner rather than later!

Thanks again
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Old Dec 4, 13, 10:16 am   #3557
 
Join Date: Sep 2013
Posts: 973
Quote:
Originally Posted by onthego15 View Post
You're not even close. I heard from a very reliable source that the conversion rate will the square root of your AA miles total....
Would that "AA miles total" be based on your lifetime miles, or simply miles currently in your AA account?
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Old Dec 4, 13, 10:29 am   #3558
 
Join Date: Jun 2013
Posts: 904
Quote:
Originally Posted by rgAAFT View Post
I say no difference
DO NOT CANCEL
either ask for the annual fee to be waived or if you dont want so many "old" AA cards open then ask them to convert your card to a No fee thank you or HH card. As others have stated the CL of any closed accounts goes into limbo and is unusable for new apps for at least 3-6 month

Honestly , if I were you I would get Barclays US Airways card while they are still around . I hear that on or around January 7th you can start to transfer US air miles to AA as a result of their merger. Then in another year you could cycle back to citi .
I was told I need to close my older Biz cards before trying to open a new one - so are you saying to not close the personal old cards but still close the biz cards? Sorry to be so confused. I have a few personal and 2 biz.
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Old Dec 4, 13, 1:22 pm   #3559
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 665
Quote:
Originally Posted by raccah View Post
I was told I need to close my older Biz cards before trying to open a new one - so are you saying to not close the personal old cards but still close the biz cards? Sorry to be so confused. I have a few personal and 2 biz.

Yes
Try to avoid closing personal cards
If you are worried, then then close biz cards . Multiple citi biz card approvals are so rare these days that I would not suggest to worry to much about what to or what not to cancel. Closing personal credit cards, especially with large credit limits will have a direct negative effect on your credit, whereas closing biz credit lines has no effect

Long story short close biz accounts if wanting to cancel something
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Old Dec 4, 13, 2:59 pm   #3560
 
Join Date: Jun 2011
Programs: DL, Amex MR
Posts: 239
Quote:
Originally Posted by rgAAFT View Post
Yes
Try to avoid closing personal cards
If you are worried, then then close biz cards . Multiple citi biz card approvals are so rare these days that I would not suggest to worry to much about what to or what not to cancel. Closing personal credit cards, especially with large credit limits will have a direct negative effect on your credit, whereas closing biz credit lines has no effect

Long story short close biz accounts if wanting to cancel something
I would disagree. As a grad student, my stipend is not very high while my total credit limit is 2-3x my annual income. Closing a personal card would NOT negatively affect my credit because I keep my credit utilization at 1% while at the same time increasing my chances of getting an instant approval on the next app.
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Old Dec 4, 13, 4:22 pm   #3561
 
Join Date: May 2008
Posts: 80
Data point

Applied for Citi Plat Select AA World MC using targeted link travel5.citicards.com that I got in a mailing from AA.

Same terms though as in the links on the Wiki page - 50K miles after 3K spend in 3 months, 10% redeemed miles back, chip technology, etc.

Instant approval with $16.5K CL. Credit score 800+.

Had the same card previously which I cancelled in July 2012. No other Citi apps since then but 5 credit pulls in the last 6 months.

Thanks for all the info here.
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Old Dec 4, 13, 4:27 pm   #3562
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Location: home = LAX
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Quote:
Originally Posted by slhansen219 View Post
Any idea what the conversion rate of US air miles to AA miles will be?
Sarcasm off (or at least reduced?) but homework assignment on:

Go to the approviate (pre-merger) forums and figure out what the convertion rate of NW miles was to DL miles and what the conversion rate of CO miles was to UA miles. Also investigate the conversion rate between Southwest and AirTran (in both directions), in their current forums.

(By investigate, I mean search and read, not ask all over the place.)
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Old Dec 4, 13, 5:53 pm   #3563
 
Join Date: Sep 2013
Posts: 973
Quote:
Originally Posted by satz View Post
I would disagree. As a grad student, my stipend is not very high while my total credit limit is 2-3x my annual income. Closing a personal card would NOT negatively affect my credit because I keep my credit utilization at 1% while at the same time increasing my chances of getting an instant approval on the next app.
I sure hope your grad degree is not in accounting. Here is why closing a personal card WOULD negatively affect your credit, and greatly reduce your chances of being approved at the Recon call:

There is only a certain amount of credit Citibank is willing to give you, and since your current credit limit is well in excess of your current income, there is a very good chance you are at that limit right now. When you cancel a Citi personal card, Citi does not put that credit in a bank account waiting for your next application. Instead, they put it in a safe deposit box with a time release lock that will not let it be used again for @ 3 to 6 months.

During that time, as far as Citi is concerned, you still have that credit with them, even though you can no longer access it, and so they will not issue any more. That is why you should move as much of a credit line from an old card to a new one as the bank will allow before cancelling the old card. Otherwise it goes down the rabbit hole, not to be seen again for quite some time.

Last edited by Brugge; Dec 4, 13 at 6:38 pm..
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Old Dec 5, 13, 6:21 am   #3564
 
Join Date: Jul 2010
Posts: 27
Hi,
1- When was the last time an offer higher than 50k was spotted (even if targeted)?
2- What do you recommend doing to be targeted? (ie: allow to receive promotional offers from both aa and citi...)
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Old Dec 5, 13, 8:58 am   #3565
 
Join Date: Jun 2011
Programs: DL, Amex MR
Posts: 239
Quote:
Originally Posted by Brugge View Post
I sure hope your grad degree is not in accounting. Here is why closing a personal card WOULD negatively affect your credit, and greatly reduce your chances of being approved at the Recon call:

There is only a certain amount of credit Citibank is willing to give you, and since your current credit limit is well in excess of your current income, there is a very good chance you are at that limit right now. When you cancel a Citi personal card, Citi does not put that credit in a bank account waiting for your next application. Instead, they put it in a safe deposit box with a time release lock that will not let it be used again for @ 3 to 6 months.

During that time, as far as Citi is concerned, you still have that credit with them, even though you can no longer access it, and so they will not issue any more. That is why you should move as much of a credit line from an old card to a new one as the bank will allow before cancelling the old card. Otherwise it goes down the rabbit hole, not to be seen again for quite some time.
Point taken. However, since you can churn Citi AA personal cards only every 18-24 months, I don't see why I would need that credit limit within the next 3-6 months if I cancel that card before my 12th month.
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Old Dec 5, 13, 9:28 am   #3566
 
Join Date: Aug 2013
Location: Orange County, CA
Programs: AA, BA, SPG Gold
Posts: 164
Quote:
Originally Posted by etilyeti View Post
Hi,
1- When was the last time an offer higher than 50k was spotted (even if targeted)?
2- What do you recommend doing to be targeted? (ie: allow to receive promotional offers from both aa and citi...)
My husband got a targeted offer for 60k miles in August. I believe he only had to spend $2000 in the first 3 months.
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Old Dec 5, 13, 10:03 am   #3567
 
Join Date: Sep 2013
Posts: 973
Quote:
Originally Posted by satz View Post
Point taken. However, since you can churn Citi AA personal cards only every 18-24 months, I don't see why I would need that credit limit within the next 3-6 months if I cancel that card before my 12th month.
OK, I didn't realize you only wanted AA cards from Citi. I personally also want as many Citi Hilton HHonors 50K cards as I can get. And if you check the FT thread on that card, it seems you can get as many as 5 a year, which comes out to 250K points.

Not as valuable as before the devaluation, but there is no AF, and the minimum spend is only $1K per card. 250K points will get you 10 nights at very nice mid range Hilton locations in Europe.

So Yes, I will happily take the nearly free HH points, thank you very much Citi. But if you only want AA cards, as long as they stay limited to a 18 to 24 months app cycle, just cancel away.
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Old Dec 5, 13, 12:42 pm   #3568
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Programs: AA 1M
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Quote:
Originally Posted by slhansen219 View Post
Any idea what the conversion rate of US air miles to AA miles will be?
Quote:
Originally Posted by FlightNurse View Post
OK, (sarcasm turned on) you really had to ask THAT questions...... Since US miles are so devalued (this according to many on FT) the conversion rate will be 10-1....
Quote:
Originally Posted by onthego15 View Post
You're not even close. I heard from a very reliable source that the conversion rate will the square root of your AA miles total divided by the total of your US miles on the merger date minus the number of AA miles you have redeemed since Jan. 1, 2010, plus the number of BIS US miles you've flown since August 18, 1999 times the square root of your AA frequent flyer number.
I've also heard there will be a bonus for transfers made on Tuesdays, but I don't yet know the bonus formula (I think it depends on your birthday).
Quote:
Originally Posted by sdsearch View Post
Sarcasm off (or at least reduced?) but homework assignment on:

Go to the approviate (pre-merger) forums and figure out what the convertion rate of NW miles was to DL miles and what the conversion rate of CO miles was to UA miles. Also investigate the conversion rate between Southwest and AirTran (in both directions), in their current forums.

(By investigate, I mean search and read, not ask all over the place.)
Let's go easy on the newbie, shall we?
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Old Dec 5, 13, 7:33 pm   #3569
 
Join Date: Aug 2013
Location: Orange County, CA
Programs: AA, BA, SPG Gold
Posts: 164
Quote:
Originally Posted by UA Fan View Post
Let's go easy on the newbie, shall we?
Thank you!
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Old Dec 6, 13, 4:12 am   #3570
 
Join Date: Feb 2005
Location: Valley of the Sun
Programs: DL Silver, AA PLT, US CP, SPG PLT, IHG PLT, Marriott Silver, National Executive Elite
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Quote:
Originally Posted by UA Fan View Post
Let's go easy on the newbie, shall we?
I'll take it under consideration.
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