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Old Jul 11, 14, 6:34 pm   -   Wikipost
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 Dec 11, 13, 9:29 am   #3616
 
Join Date: Mar 2010
Location: DCA
Programs: Hyatt Diamond, American Air Platinum
Posts: 662
Data point: Used 50k link in wikipost to signup, spent $3k+, got 50k miles posted 31 days after - surprisingly this process works well, despite the lack of signup bonus info/confirmation at initial form
4aks is offline   Reply With Quote
Old Dec 11, 13, 10:45 am   #3617
 
Join Date: Dec 2013
Posts: 1
Data point: instantly approved for Citi Business Mastercard through 50k signup link today, 12/11/13. Input sole proprietorship information with annual income of $1.2k. Will update if I receive 50k bonus as I did not see a landing page

Currently have Citi AA Visa Signature card with approval date of 4/28/13.
Foam is offline   Reply With Quote
Old Dec 11, 13, 11:35 am   #3618
 
Join Date: Dec 2009
Location: HaMerkaz/Exit 145
Programs: UA, LY, BA, AA
Posts: 8,859
Have both the Visa Signature Platinum and the World MasterCard Platinum. Just called to cancel the Visa and transfer the credit line to the MC. She told me that Citi no longer allows one to move credit from one card to another. Before I tried HUCA, she offered me a $95 statement credit as well as a $150 statement credit after my next AA purchase. Think I'm gonna wait to HUCA
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Old Dec 11, 13, 12:57 pm   #3619
 
Join Date: Oct 2010
Posts: 31
Quote:
Originally Posted by Foam View Post
Data point: instantly approved for Citi Business Mastercard through 50k signup link today, 12/11/13. Input sole proprietorship information with annual income of $1.2k. Will update if I receive 50k bonus as I did not see a landing page

Currently have Citi AA Visa Signature card with approval date of 4/28/13.
$1.2k personal income or business revenue? How about credit score?
fckzzz is offline   Reply With Quote
Old Dec 11, 13, 3:56 pm   #3620
 
Join Date: Oct 2013
Location: DFW
Posts: 182
Quote:
Originally Posted by fckzzz View Post
$1.2k personal income or business revenue? How about credit score?
Dear god I hope he isn't trying to survive on 1.2k / year....
uneeq is offline   Reply With Quote
Old Dec 11, 13, 8:42 pm   #3621
 
Join Date: Oct 2010
Posts: 31
Quote:
Originally Posted by uneeq View Post
Dear god I hope he isn't trying to survive on 1.2k / year....
Could be a student! or a filthy rich individual haha
fckzzz is offline   Reply With Quote
Old Dec 11, 13, 8:44 pm   #3622
 
Join Date: Dec 2013
Posts: 2
Does Citi report these miles to the IRS on the 1099? I know for checking and savings account they did, but I was wondering if they do it for the credit card as well.
lizcalla83 is offline   Reply With Quote
Old Dec 11, 13, 9:17 pm   #3623
 
Join Date: Aug 2011
Programs: AA, UAL
Posts: 353
Quote:
Originally Posted by lizcalla83 View Post
Does Citi report these miles to the IRS on the 1099? I know for checking and savings account they did, but I was wondering if they do it for the credit card as well.
Till date, haven't experienced or heard of Citi 1099ing miles from CC bonus / use.

Cheers!
fromfall98 is offline   Reply With Quote
Old Dec 11, 13, 10:10 pm   #3624
Moderator: Credit Card Programs and Chase Ultimate Rewards
 
Join Date: Apr 2005
Location: SFO -> {CHI, NYC}
Programs: DL GM, WN CP, UA 2P; MR Plt, PC Plt, CC Gld, BW Dia
Posts: 4,298
Quote:
Originally Posted by lizcalla83 View Post
Does Citi report these miles to the IRS on the 1099? I know for checking and savings account they did, but I was wondering if they do it for the credit card as well.
No, miles/points from credit card spend are considered a reduction in the cost basis of whatever you're buying, not outright income. However, if you otherwise deducted the cost of what you bought (i.e. business expenses, charitable contributions, ...) you may have an obligation to voluntarily report the value of the miles/points or adjust the cost basis.
MDtR-Chicago is offline   Reply With Quote
Old Dec 12, 13, 5:45 am   #3625
 
Join Date: Jul 2010
Location: Pittsburgh
Programs: UA, US, AF, DL, ...
Posts: 572
Quote:
Originally Posted by 4aks View Post
Data point: Used 50k link in wikipost to signup, spent $3k+, got 50k miles posted 31 days after - surprisingly this process works well, despite the lack of signup bonus info/confirmation at initial form
What is the surprising part? The information here is all based on past experience. It would be more surprising if it didn't work.

Have fun on FT and enjoy the wealth of solid information.
cvarming is offline   Reply With Quote
Old Dec 14, 13, 8:38 am   #3626
 
Join Date: Mar 2007
Location: MEM
Programs: CO 1K (or whatever it will be called), HH Gold
Posts: 2,480
I am trying to churn both AA and Hilton Citi cards.

I applied last night for the Citi AA Business card. When I called, the CSR said that they could extend a CL or only $1000 based on my personal credit lines with them. I could reduce a personal credit line. I did so and she put the additional credit line on my AA Business card.

So I have a few questions.

1. Since I have apparently maxed out on my credit for AA, how can I get a new HH card? Can I reduce my credit line on another card to make room for the new card? I'd only want about $2000 credit, since those cards have a $1000 minimum spend.

2. I have a personal AA card that I want to close before the annual fee comes due. Will that affect my ability to churn either the AA business or the HH card? (When I was talking with the CSR she noted that all my cards were still open which she said was "good."

3. I'd like to do at least two more business cards. Is churning the business card still possible?

4. Any thoughts about a really good AA offer when the two airlines finally actually merge?

Thanks
manneca is offline   Reply With Quote
Old Dec 14, 13, 9:32 am   #3627
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Join Date: Oct 2013
Location: STL/DCA/DFW
Programs: 'Murica
Posts: 2,405
Quote:
Originally Posted by manneca View Post
I am trying to churn both AA and Hilton Citi cards.

I applied last night for the Citi AA Business card. When I called, the CSR said that they could extend a CL or only $1000 based on my personal credit lines with them. I could reduce a personal credit line. I did so and she put the additional credit line on my AA Business card.

So I have a few questions.

1. Since I have apparently maxed out on my credit for AA, how can I get a new HH card? Can I reduce my credit line on another card to make room for the new card? I'd only want about $2000 credit, since those cards have a $1000 minimum spend.

4. Any thoughts about a really good AA offer when the two airlines finally actually merge?

Thanks
1. Even if you had a limit of 500$ you could still make the required spend. Just would take a bit longer.

4. I doubt it. But then again, I believe there will be a devaluation in the future. Just like every other carrier.

But congrats on the new card.
f0xx is offline   Reply With Quote
Old Dec 14, 13, 1:32 pm   #3628
 
Join Date: Jun 2012
Posts: 3
Data Point

Data Point

1st AA Visa Plat 50K 02/04/13 - Cancelled 11/15/13 after 1st retention rcvd
2nd AA Visa Plat 50K 07/18/13
3rd AA Visa Plat 50K 08/12/13
1st AA Business MC 50K 12/09/13
pachinko799 is offline   Reply With Quote
Old Dec 16, 13, 1:36 pm   #3629
 
Join Date: Jul 2011
Location: Orlando, FL
Posts: 155
Quote:
Originally Posted by pachinko799 View Post
Data Point

1st AA Visa Plat 50K 02/04/13 - Cancelled 11/15/13 after 1st retention rcvd
2nd AA Visa Plat 50K 07/18/13
3rd AA Visa Plat 50K 08/12/13
1st AA Business MC 50K 12/09/13

Is this correct?
That doesn't jive with what the 1st post says.

I close on my mortgage on Wednesday. I'm ready to get moving on the AA cards again. It has been 2.5 years since the 75K miles cards.

According to the first post, you can only get one personal now? Any way to get two personal and the business? or, am I reading things wrong?
Thanks!
TravelMutt is offline   Reply With Quote
Old Dec 16, 13, 1:48 pm   #3630
 
Join Date: Jan 2013
Programs: AA, HH, UA, Marriott, SW, Delta
Posts: 95
Quote:
Originally Posted by TravelMutt View Post
Is this correct?
That doesn't jive with what the 1st post says.


According to the first post, you can only get one personal now? Any way to get two personal and the business? or, am I reading things wrong?
Thanks!
The two aren't mutually exclusive. The other poster had the fortunate timing to get his 3rd card before the rules changed at the end of August.
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