I'm a bit confused by some of the posts and just want to make sure I understand correctly. I got the Citi Exec card for the 100k offer three months ago. I have no other citi cards. My understanding is that I can not turn around and apply for the citi personal AA card for the 50k bonus (or at least not for quite awhile)? However, I can apply for the business version of the card? With regard to the business card how difficult is it to obtain it? I have a sole prop and I had to jump through a bunch of hoops to verify the business in order to get a recent ink bold approval.