Go Back   FlyerTalk Forums > Miles&Points > Credit, Debit and Prepaid Card Programs > Credit Card Programs
Sign in using an external account

    Hide Wikipost
Old Mar 24, 14, 6:27 pm   -   Wikipost
FlyerTalk Forums Thread Wiki: Citi AA credit cards. Best offers now 50k. [Read wikipost first]
Please read: this is a community-maintained wiki post containing the most important information from this thread.
 
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.


Reply
 
Thread Tools Search this Thread
Old May 30, 13, 3:20 pm   #61
 
Join Date: Feb 2013
Location: Tampa, FL
Posts: 270
Quote:
Originally Posted by Pencegeri View Post
Found this on another forum. I can not guarantee it will work, but for those who will not mind big spending. I think this is the same offer I posted awhile back where they deleted the landing page, and I believe someone else may have posted it recently but not in the last ten pages. (I took out all references to the business Visa, as the link was dead.)



At $5,000 it is 40,000 miles (35,000 bonus, 5,000 spend)
$10,000 is 50,000
$15,000 is 60,000 etc

I would be interested, but neither of those links are loading. Also would really like to see a landing page for that.
jonnyd13 is offline   Reply With Quote
Old May 30, 13, 3:23 pm   #62
 
Join Date: Feb 2013
Posts: 111
Quote:
Originally Posted by jonnyd13 View Post
I would be interested, but neither of those links are loading. Also would really like to see a landing page for that.
I guess it didn't like the copy paste, it is from here. http://milepoint.com/forums/threads/...ss-visa.11169/
Pencegeri is offline   Reply With Quote
Old May 30, 13, 4:20 pm   #63
 
Join Date: Mar 2012
Location: SAN
Posts: 1,008
Quote:
Originally Posted by Pencegeri View Post
I guess it didn't like the copy paste, it is from here. http://milepoint.com/forums/threads/...ss-visa.11169/
I think the best thing about this deal is you have 24 months to max out the last part of the spend. It really wouldn't be that hard to put 15k/year and get 2 miles / $.
CFFrost is offline   Reply With Quote
Old May 30, 13, 6:28 pm   #64
 
Join Date: Jan 2013
Posts: 156
Quote:
Originally Posted by czhouchem View Post
damn, i was waiting for my aor and 50k dead?! h*** s***
I know how it feels man. I just started this game this year and it's happened to me several times already.
Quote:
Originally Posted by gv111 View Post
That is why old style AOR are so out of style. Now days if one finds a find a good offer, just apply for it.
True words.
waingro is offline   Reply With Quote
Old May 31, 13, 12:02 am   #65
 
Join Date: Jul 2012
Location: SE Asia
Posts: 838
So received my denial letter for my business card app. It says a credit report for my business shows it is to new for citi to extend a business credit card.

So lesson for newbies, which others have highlighted, use your name as the business name if you don't already have a business.

I guess the good thing for me I now have business cards with chase and amex under the business name that was denied by citi so I now building credit history with that business name. How long so I wait to reapply tainted the other business name for citi to see a credit history when they pull the report?

So I haven't applied for a business card with citi using my name as the business name I assume I could still apply for a business card using my name as the business. How long should I wait to reapply using my name add the business name?

Should I assume at one point I could have two of the same business card products at the same time from citi; one with my name as the business name and one with my fake business name?

I do plan to open a business eventually using my fake business in about for years so I guess it will be good in will be building credit during those for years with various business CC inner that business name.

FYI I do not have TIN so used my SSN on the application.
kmcbrid2 is offline   Reply With Quote
Old May 31, 13, 10:09 am   #66
 
Join Date: Nov 2012
Posts: 19
Should I call them immediately after applying to get an instant answer or wait for the mail/email?
phantasmX is offline   Reply With Quote
Old May 31, 13, 10:21 am   #67
 
Join Date: Jul 2011
Location: NYC
Programs: Mileage Plus, Aadvantage, Skymiles, Marriott, Priority Club, SPG, Amtrak, Hertz
Posts: 648
Quote:
Originally Posted by phantasmX View Post
Should I call them immediately after applying to get an instant answer or wait for the mail/email?
If you're eager, call. If, like me, you've grown tired of calling banks, wait. I only call after a few weeks if I haven't been approved automatically. I usually find that waiting until they get to my application is the path of least resistance.
Kay_nyc is offline   Reply With Quote
Old May 31, 13, 10:41 am   #68
 
Join Date: May 2006
Location: Salt Lake City, UT
Posts: 1,490
Quote:
Originally Posted by kmcbrid2 View Post
So received my denial letter for my business card app. It says a credit report for my business shows it is to new for citi to extend a business credit card.

So lesson for newbies, which others have highlighted, use your name as the business name if you don't already have a business.

I guess the good thing for me I now have business cards with chase and amex under the business name that was denied by citi so I now building credit history with that business name. How long so I wait to reapply tainted the other business name for citi to see a credit history when they pull the report?

So I haven't applied for a business card with citi using my name as the business name I assume I could still apply for a business card using my name as the business. How long should I wait to reapply using my name add the business name?

Should I assume at one point I could have two of the same business card products at the same time from citi; one with my name as the business name and one with my fake business name?

I do plan to open a business eventually using my fake business in about for years so I guess it will be good in will be building credit during those for years with various business CC inner that business name.

FYI I do not have TIN so used my SSN on the application.
I don't belive that business name matters for them when determining if your business is too new. I belive that it is the age of the business that you enter on the application. And the rule is 1 business application every 90 days.
michael_v is offline   Reply With Quote
Old May 31, 13, 10:56 am   #69
 
Join Date: Jul 2011
Location: NYC
Programs: Mileage Plus, Aadvantage, Skymiles, Marriott, Priority Club, SPG, Amtrak, Hertz
Posts: 648
Quote:
Originally Posted by michael_v View Post
I don't belive that business name matters for them when determining if your business is too new. I belive that it is the age of the business that you enter on the application. And the rule is 1 business application every 90 days.
If you don't really have a business, you should not be making up a name. You're a sole proprietorship, and your business name is your name. Fabricating a fake name might be a red flag. I've always been a sole proprietorship (freelance income), and I'm not sure how registering a business name works.
Kay_nyc is offline   Reply With Quote
Old May 31, 13, 11:43 am   #70
 
Join Date: Jan 2010
Location: TYO
Programs: AA EXP/LT PLT
Posts: 1,460
Quote:
Originally Posted by phantasmX View Post
Should I call them immediately after applying to get an instant answer or wait for the mail/email?
Quote:
Originally Posted by Kay_nyc View Post
If you're eager, call.
+1.

Any unpublished(or published) offer can be expired at any time.
If the offere is expired and the application is still at the middle of the process, you may get just denial for "the program change" aka "the offer is expired".
Happened to me in 2011, I applied for the 75K "business" card.
I waited about a week then I called. Submitted additinal docs but it was too late.
If I had called citi immediately, I would have gotten approved.
So this may only happen to business cards and 1st time applicants who may need to submit additional docs.
supergrandslam is offline   Reply With Quote
Old May 31, 13, 2:03 pm   #71
 
Join Date: Aug 2010
Location: ORF
Programs: Amex Plat, AA, BA Silver, US, WN, SPG Gold, Choice Privileges Diamond, HHonors Gold, Marriott
Posts: 2,299
Quote:
Originally Posted by supergrandslam View Post
+1.

Any unpublished(or published) offer can be expired at any time.
If the offere is expired and the application is still at the middle of the process, you may get just denial for "the program change" aka "the offer is expired".
Happened to me in 2011, I applied for the 75K "business" card.
I waited about a week then I called. Submitted additinal docs but it was too late.
If I had called citi immediately, I would have gotten approved.
So this may only happen to business cards and 1st time applicants who may need to submit additional docs.
And, of course, we've seen a decline in the offers since the peak of 100K (to 75K to 50K and now this).

I think there are a couple of possibilities at work here:
1) Maybe the Citi/AA relationship isn't as tight as many have thought, and Citi's decided to take some preemptive action; this might not be as crazy as some of the bloggers have thought since Dougie had his relationship with Barclays and especially since some recent Barclays moves indicate they'd like to make a bigger splash with points cards;
2) Everybody's taking their breath before the final steps are completed in the US/AA merger--with the possibility that when complete, we see a bigger, better offer than we've seen for awhile to introduce the new [Barclays/Citi]/AA card this fall or winter.
The move certainly makes it more difficult to guess whether to make another Citi/AA or Barclays/US app at this time--I've been holding off on Citi/AA while getting ready to do another Barclays/US on the belief that the relationship with Barclays is going away so might as well get that card now, and holding off on Citi on the guess that Citi will hold onto its (roughly) 18 month rule, meaning that an app now might wash out an opportunity to apply for a bigger offer later.

Of course, from the UA/CO merger, we know that getting a UA and CO card at just the right times didn't preclude getting certain UA cards after the merger--further muddying the picture.

As it is, I've got tons of US and AA miles so I might just stay on the sidelines for awhile.
lwildernorva is offline   Reply With Quote
Old May 31, 13, 2:09 pm   #72
 
Join Date: Feb 2009
Posts: 486
Quote:
Originally Posted by BCF View Post
Here is the application page for 30K gold card. I had the landing page open in my browser from yesterday
thanks so much for sharing! have been holding off on applying for the citi gold and then the landing page died!

Quote:
Originally Posted by cvarming View Post
My wife got it as well. I took a quick look at the web pages, but I was not able to find a link for others to use. Does anyone have experience in extracting links from the application system?
would love to know the link if you're able to extract it! thanks!
brownie20 is offline   Reply With Quote
Old May 31, 13, 2:31 pm   #73
 
Join Date: Jun 2011
Programs: AA EXP, SPG Plat, HH GLD (thanks Citi), former DL silver
Posts: 1,876
Any good offers for the non-select Amex?
nall is offline   Reply With Quote
Old May 31, 13, 3:26 pm   #74
 
Join Date: Jun 2011
Posts: 41
Quote:
Originally Posted by lwildernorva View Post
And, of course, we've seen a decline in the offers since the peak of 100K (to 75K to 50K and now this).

I think there are a couple of possibilities at work here:
1) Maybe the Citi/AA relationship isn't as tight as many have thought, and Citi's decided to take some preemptive action; this might not be as crazy as some of the bloggers have thought since Dougie had his relationship with Barclays and especially since some recent Barclays moves indicate they'd like to make a bigger splash with points cards;
2) Everybody's taking their breath before the final steps are completed in the US/AA merger--with the possibility that when complete, we see a bigger, better offer than we've seen for awhile to introduce the new [Barclays/Citi]/AA card this fall or winter.
The move certainly makes it more difficult to guess whether to make another Citi/AA or Barclays/US app at this time--I've been holding off on Citi/AA while getting ready to do another Barclays/US on the belief that the relationship with Barclays is going away so might as well get that card now, and holding off on Citi on the guess that Citi will hold onto its (roughly) 18 month rule, meaning that an app now might wash out an opportunity to apply for a bigger offer later.

Of course, from the UA/CO merger, we know that getting a UA and CO card at just the right times didn't preclude getting certain UA cards after the merger--further muddying the picture.

As it is, I've got tons of US and AA miles so I might just stay on the sidelines for awhile.
can we expect some good bonus offer after the merge, like after they decide the new aa will partner with citi or barcley?
czhouchem is offline   Reply With Quote
Old May 31, 13, 3:35 pm   #75
 
Join Date: Jan 2010
Location: TYO
Programs: AA EXP/LT PLT
Posts: 1,460
Quote:
Originally Posted by czhouchem View Post
can we expect some good bonus offer after the merge, like after they decide the new aa will partner with citi or barcley?
AA need to decide if they remain with Citibank by July 2nd.

http://www.flyertalk.com/forum/ameri...tcy-court.html
supergrandslam is offline   Reply With Quote
 
 
Reply

Bookmarks


Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are On
Refbacks are Off
Forum Jump


All times are GMT -6. The time now is 8:35 am.




SEO by vBSEO ©2011, Crawlability, Inc.