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Old Mar 24, 14, 6:27 pm   -   Wikipost
FlyerTalk Forums Thread Wiki: Citi AA credit cards. Best offers now 50k. [Read wikipost first]
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Last edit by: KennyBSAT

As of Sunday August 25, 2013:
Reports indicate personal cards can no longer be repeatedly 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:
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 Jan 24, 14, 6:35 am   #3961
 
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: 5,988
Quote:
Originally Posted by fenix8o0 View Post
Is 50k the best offer ever for the AA Personal and Business cards?
*insert sarcasm* Yes, but only to people who know the secret code.....
FlightNurse is offline   Reply With Quote
Old Jan 24, 14, 7:09 am   #3962
 
Join Date: Apr 2011
Location: SMF
Programs: United-Silver, AA-Gold, Alaska-MVP,Hilton-Gold, Marriott-Platinum
Posts: 534
Quote:
Originally Posted by FlightNurse View Post
Quote:





Originally Posted by fenix8o0


Is 50k the best offer ever for the AA Personal and Business cards?




*insert sarcasm* Yes, but only to people who know the secret code.....
Please be aware "secret" password has been updated since the merger
*insert sarcasm"
mike2200 is offline   Reply With Quote
Old Jan 24, 14, 7:12 am   #3963
 
Join Date: Apr 2009
Location: New York
Programs: Hilton Gold, AVIS President, AA Plat.
Posts: 462
Does the Spend Requirement apply only to the Primary card or can it be applied amongst additional cardmembers as well?
EWRTravelers is offline   Reply With Quote
Old Jan 24, 14, 8:29 am   #3964
 
Join Date: Dec 2010
Posts: 297
Quote:
Originally Posted by samdori View Post
Datapoint:
I got denied for a business card with the reason being, "You already have the maximum number of accounts that can be issued to an individual." I previously had a business card but cancelled it in August. I do have an open AA personal card so that must be it.
If you want the card and the bonus, you probably have the option of calling, closing one account and getting the business card...
slider34 is offline   Reply With Quote
Old Jan 24, 14, 9:30 am   #3965
 
Join Date: Feb 2003
Location: DCA
Programs: SPG Gold, UA Epsilon-Minus Semi-Moron, Hyatt Plat, Priority Club Plat
Posts: 3,701
Quote:
Originally Posted by EWRTravelers View Post
Does the Spend Requirement apply only to the Primary card or can it be applied amongst additional cardmembers as well?
It makes no difference which card on the account is used.
__________________
Baffled by Hilton's award options? Read my multi-part FAQ.
beltway is offline   Reply With Quote
Old Jan 24, 14, 9:37 am   #3966
 
Join Date: Aug 2011
Programs: AA, UAL
Posts: 350
Quote:
Originally Posted by fenix8o0 View Post
Is 50k the best offer ever for the AA Personal and Business cards?
No, in 2011, Citi offered below two programs with more miles bonus:

- 75K with just minimum spend (meaning, you spend 3K and get 75K bonus, no additional requirement to spend during the rest of the year).

- 50K miles with minimum spend (I think it was 3K spend), and additional 50K for additional spend in the first year (I think additional spend needed was like 10K) for a total of 100K bonus.

Cheers!
fromfall98 is offline   Reply With Quote
Old Jan 24, 14, 9:39 am   #3967
 
Join Date: Aug 2011
Programs: AA, UAL
Posts: 350
Quote:
Originally Posted by EWRTravelers View Post
Does the Spend Requirement apply only to the Primary card or can it be applied amongst additional cardmembers as well?
Primary as well as additional card holders are on the same "account" (in most cases, even the card number is exactly same), so any spend as well as bonus is shared, meaning, any amount of spend on any card counts towards minimum spend and there will only be one bonus.

Cheers!
fromfall98 is offline   Reply With Quote
Old Jan 24, 14, 1:59 pm   #3968
FlyerTalk Evangelist
 
Join Date: Jan 2005
Location: home = LAX
Posts: 11,268
Quote:
Originally Posted by fenix8o0 View Post
Is 50k the best offer ever for the AA Personal and Business cards?
Define "best"? What about a card apparently available today that gives 75k miles? Except that you have to pay a $450 annual fee (and do a lot more spend in the first three months), no way to get around it.

Is $450 (plus $$$$ more spend in a short time) worth the difference between 75k and 50k to you? If so, that may be best. If not, it's not best.

So yours is a silly question, in that there's no one "best" for everyone.

In my opinion, the "best" was the 25k offers circa 2006. No, not because 25k beats 50k, but because back then you could apply 2 at a time every 65 days, and thus earn 300k-400k AA miles a year without any issues. (Plus, back then it all counted toward lifetime status at AA. Now it doesn't.) Now, you can apply for 50k once or twice, and then you start having issues. That's why to me the 25k offers that were very repeatable trump 50k offers that are not very repeatable.
sdsearch is offline   Reply With Quote
Old Jan 25, 14, 11:36 am   #3969
 
Join Date: Dec 2011
Programs: united
Posts: 23
I applied for AA Personal Visa in June, and a Business Master Card in July and was approved for both.
I'm thinking of applying for personal Master card. What is my chances of getting it?
Thanks!
tracker01 is offline   Reply With Quote
Old Jan 25, 14, 12:13 pm   #3970
 
Join Date: Sep 2013
Posts: 479
Quote:
Originally Posted by tracker01 View Post
I applied for AA Personal Visa in June, and a Business Master Card in July and was approved for both.
I'm thinking of applying for personal Master card. What is my chances of getting it?
Thanks!
If you are applying in response to a targeted offer sent directly to you by Citi your chances are excellent.

If you are applying on your own without a targeted offer, you chances are somewhere between negligible and nil.

From the Wiki above:

"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."

So if you don't mind "wasted" inquiries and denied apps, you can try your luck by applying again for a personal card in early July 2014. If you want a good chance of being approved, wait until early Jan 2015.
Brugge is offline   Reply With Quote
Old Jan 25, 14, 2:12 pm   #3971
 
Join Date: Dec 2011
Programs: united
Posts: 23
Quote:
Originally Posted by Brugge View Post
If you are applying in response to a targeted offer sent directly to you by Citi your chances are excellent.

If you are applying on your own without a targeted offer, you chances are somewhere between negligible and nil.

So if you don't mind "wasted" inquiries and denied apps, you can try your luck by applying again for a personal card in early July 2014. If you want a good chance of being approved, wait until early Jan 2015.
Thanks for the straight answer. This is what I want to confirm!
I guess no Citi for a while for me!
Thanks!
tracker01 is offline   Reply With Quote
Old Jan 25, 14, 7:13 pm   #3972
 
Join Date: May 2012
Posts: 133
apparently the citi exec card is getting approved without waiting the 12 - 18 months after last personal. any ideas on the reason for the inconsistency? is it just the $450 fee or ????
g8trgr8t is offline   Reply With Quote
Old Jan 25, 14, 7:19 pm   #3973
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 1,833
Quote:
Originally Posted by g8trgr8t View Post
apparently the citi exec card is getting approved without waiting the 12 - 18 months after last personal. any ideas on the reason for the inconsistency? is it just the $450 fee or ????
It is a totally different card and has always been treated separately.

We don't know what makes Citi tick, and many of their apparent rules make little sense. But it seems very clear that they are happy to have you carry both the Platinum/Gold card and the Executive card.
KennyBSAT is offline   Reply With Quote
Old Jan 25, 14, 7:56 pm   #3974
 
Join Date: Nov 2002
Location: Chicago
Posts: 712
Change statement date?

Sorry if this is posted above; I tried several searches. I was approved using the 50k bonus and need the miles ASAP. I should have no problem meeting the spend quickly. If I request that my statement closing date be moved up by 2 weeks, is there any reason I can't get the bonus that much sooner?

Thanks.
CJ99 is offline   Reply With Quote
Old Jan 26, 14, 3:51 am   #3975
 
Join Date: May 2012
Location: ORD
Programs: AA, UA, DL, BA, F9, PC, HH, CC
Posts: 913
Quote:
Originally Posted by CJ99 View Post
Sorry if this is posted above; I tried several searches. I was approved using the 50k bonus and need the miles ASAP. I should have no problem meeting the spend quickly. If I request that my statement closing date be moved up by 2 weeks, is there any reason I can't get the bonus that much sooner?

Thanks.
typically when you change payment dates it will be moved later, not sooner, so unlikely to happen
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