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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 29, 13, 6:12 pm   #3721
 
Join Date: Nov 2009
Posts: 121
Anybody got second approval for business card in last few weeks?
mak101 is offline   Reply With Quote
Old Dec 29, 13, 6:34 pm   #3722
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 1,984
Quote:
Originally Posted by sunshine213 View Post
Just applied for the business card for wife and was immediately denied. Called the automated recon line and the reason was "Too few satisfactory accounts." She recently emigrated to the US so she only has a credit history of 1 year and some months. She is an authorized user on my United ME card and has her own Amex Rewards Gold card, but that is it.

Called a live person and they said I needed to fax/mail her equifax report to the correspondence department. Before I do that, my question, is should I just try and call again, and keep repeating until someone approves her application or will I need to get her free Credit Report from Equifax, mail it, and then call again to see if they approve?

First post on flyertalk, please let me know if this is not the right place for this question.

Thanks much!
Welcome to Flyertalk! You may find more helpful info on other sites with more threads dedicated to building a credit history from scratch such as creditboards.com, as well as in this and other threads on building credit: Student credit card . I suggest getting a lower-tier card such as the Chase Freedom as it sounds like she doesn't actually have a credit card of her own, then trying for a Citi personal card after 6 months or so of (small) use on the Freedom.
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Old Dec 29, 13, 7:22 pm   #3723
 
Join Date: Dec 2013
Posts: 20
Quote:
Originally Posted by KennyBSAT View Post
Welcome to Flyertalk! You may find more helpful info on other sites with more threads dedicated to building a credit history from scratch such as creditboards.com, as well as in this and other threads on building credit: Student credit card . I suggest getting a lower-tier card such as the Chase Freedom as it sounds like she doesn't actually have a credit card of her own, then trying for a Citi personal card after 6 months or so of (small) use on the Freedom.
Hi KennyBSAT - thank you for the kind welcome! She does have her own Amex Gold card- or does that nor count as a credit card since it is a charge card?

Is there a way to get approved for this card without waiting? I was hoping to do that with points accumulating cards vs regular ones. I will get her the freedom, of course, for the long run. She will also get an auto loan very soon. Was hoping to not waste a hard pull.

Thanks for the advise.
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Old Dec 30, 13, 12:46 pm   #3724
 
Join Date: Sep 2013
Posts: 15
I opened a Citi AA Business card on Sept 15th, 2013. I received the 50,000 miles and closed the card on November 10th. Although I have been following this site for the last 5 months or so, I am not sure if I should apply for a new business card.
can anyone help?

Thanks
seasidesilva is offline   Reply With Quote
Old Dec 30, 13, 5:26 pm   #3725
 
Join Date: Sep 2013
Posts: 970
Quote:
Originally Posted by seasidesilva View Post
I opened a Citi AA Business card on Sept 15th, 2013. I received the 50,000 miles and closed the card on November 10th. Although I have been following this site for the last 5 months or so, I am not sure if I should apply for a new business card.
can anyone help?

Thanks
Following for 5 months and still not sure?

From the wiki right up top:

"Business AA cards: have been churnable repeatedly without restriction other than the general Citi application rules. Apply once every 91-95 days. Some people have had problems if both the business account (16 digits) and the individual card accounts (16 digits each) are not closed first. Other people have been unable to churn these at all."

It's been long enough, so you are good to reapply. Just be aware that you may do everything right, and still not get approved, and no one, including Citi CSRs, will be able to tell you why. The CSRs may give you a "reason", but not likely the correct one.

Then again, you may get an easy approval.

Best of Luck...
Brugge is offline   Reply With Quote
Old Dec 30, 13, 6:52 pm   #3726
 
Join Date: Feb 2009
Posts: 1,624
There have been recent reports of the AA business no longer being churnable. Some say they were told the same business and others the same EIN. Go back to ~ page 242 and read forward

Quote:
Originally Posted by susiesan View Post

The lady confirmed that the new policy was only one business card with the same tax ID every 18 months. She said they had to do what AA told them since AA was giving the points. He asked for special consideration and was told no, that Citi has to do what AA tells them, that no one can vary from policy. Only one bonus every 18 months. She said he can apply again in April after he's been Citi business card free for 18 months.

This is the first time I have ever heard a Citi rep stae that these are the terms.

Last edited by flyer4512; Dec 30, 13 at 7:05 pm..
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Old Dec 30, 13, 8:39 pm   #3727
 
Join Date: Apr 2011
Location: Houston
Programs: UA Mileage+, Marriott Rewards, Hilton HHonors, IHG Rewards Club, AAdvantage, Hyatt Gold Passport
Posts: 16
I have applied for Citi AA Personal Visa, AmEx and Business Visa cards in 2011 and got 225,000 miles. I have cancelled the Business and Personal Visa cards in 2012. I am keeping the AmEx card and the annual fee was waived every year for this card. I applied for the Platinum Personal Mastercard yesterday with link #4 provided at the beginning of this thread and was immediately approved. Can I apply for the Platinum Personal Visa and the Business Mastercard soon?
johnsamy is offline   Reply With Quote
Old Dec 30, 13, 8:44 pm   #3728
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 1,984
Quote:
Originally Posted by johnsamy View Post
I have applied for Citi AA Personal Visa, AmEx and Business Visa cards in 2011 and got 225,000 miles. I have cancelled the Business and Personal Visa cards in 2012. I am keeping the AmEx card and the annual fee was waived every year for this card. I applied for the Platinum Personal Mastercard yesterday with link #4 provided at the beginning of this thread and was immediately approved. Can I apply for the Platinum Personal Visa and the Business Mastercard soon?
From FAQ #1 of the wiki: 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.

No on the personal (until 12-26 months after your last approval under the current rules, unless you get a targeted offer) and maybe on the business. I would say it's worth a shot for the business given the timeline, but YMMV with Citi business apps.
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Old Dec 30, 13, 9:53 pm   #3729
 
Join Date: Feb 2009
Posts: 1,624
edited
flyer4512 is offline   Reply With Quote
Old Dec 31, 13, 7:32 am   #3730
 
Join Date: Dec 2004
Posts: 5,449
I just clicked the 50k personal Visa link, and it appears to be dead. Is there another?
rrgg is offline   Reply With Quote
Old Dec 31, 13, 9:00 am   #3731
 
Join Date: Dec 2006
Location: USA
Programs: All Major Airlines, Hyatt/Choice/IHG Plat, Marriott/SPG/HH/CC Gold & most other major programs
Posts: 1,269
Quote:
Originally Posted by mak101 View Post
Anybody got second approval for business card in last few weeks?
I got it within last 2 weeks. My previous one was in late 2012. I believe I literally got it before they closed the loophole. Good luck!
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Old Jan 1, 14, 5:06 am   #3732
 
Join Date: Apr 2005
Location: NYC
Posts: 951
Quote:
Originally Posted by tomcanada22 View Post
I think the problem is not meeting the spend but the fact that if you spend $1000 a mth which is also the credit limit means you are max out the credit line which is not recommended.
biz credit utilizations are not reported so no big harm...
yoyo is offline   Reply With Quote
Old Jan 1, 14, 5:37 am   #3733
 
Join Date: Jan 2014
Posts: 1
app denied

I got this in the email,
...
Unfortunately, we can't approve your application
Thanks for your interest in the CitiBusiness(R) / AAdvantage(R)
World account. We reviewed your application and can't
approve it because:

o This specific offer is valid only for first-time
CitiBusiness/AAdvantage1 cardmembers. Our records
indicate that you previously had a CitiBusiness/AAdvantage1
account with us.
...
yesteryear is offline   Reply With Quote
Old Jan 1, 14, 6:00 am   #3734
 
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
Posts: 6,452
Quote:
Originally Posted by yesteryear View Post
I got this in the email,
...
Unfortunately, we can't approve your application
Thanks for your interest in the CitiBusiness(R) / AAdvantage(R)
World account. We reviewed your application and can't
approve it because:

o This specific offer is valid only for first-time
CitiBusiness/AAdvantage1 cardmembers. Our records
indicate that you previously had a CitiBusiness/AAdvantage1
account with us.
...
I find it interesting that they denied the whole app becasue you had the card in the past, I have heard people getting the card, but not the points. I would call the Recon line and find out the real truth.
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Old Jan 1, 14, 9:24 am   #3735
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 1,984
Quote:
Originally Posted by FlightNurse View Post
I find it interesting that they denied the whole app becasue you had the card in the past, I have heard people getting the card, but not the points. I would call the Recon line and find out the real truth.
?? Unlike Chase and AMEX, I'm not aware of a reported case of Citi giving a card and then not the bonus.
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