Just a feeling here, but I would avoid Citi still for this. They are going through OK for now, but I am getting little flags that make me think they are focusing on AP now.

EG yesterday I called to ask them how I was doing towards meeting minimum spend for my AA Visa and the agent added up my spend, then said 'and $540 with Amazon Payments' I feel that they are flagging this, so might in the future, now it is flagged decide to recode it to a cash advance.

Not happening yet, but something to think about.