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Citi Executive AA MasterCard [October 2013 - September 2014]

Old Jan 24, 2014, 5:20 pm
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Last edit by: mia
The thread was split on September 24, 2014 for technical reasons. This version of the Wikipost is frozen as of that date. Please click HERE to read the newer posts and the most current Wikipost.
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For questions NOT related to the application process - such as experiences using benefits - refer to the AA forum thread on this card: AA Citibank Executive / AAdvantage World Elite MasterCard (Master Thread)

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 for some Citi cards. [B]We do not know, and Citi has not indicated, how long these offers will last. Citi has left other offers alive for over a year beyond the 'apply by' date in the past. These links could be here all year or gone tomorrow. If the application loads, it is good, based on past Citi applications that survived past the landing page expiration, regardless of any posted or advertised 'apply by' date.

MOST CURRENT LINKS:

As of 8/19/14, the 60K+ links are no longer working, and give the following error:
A system error has caused a delay in processing your application. Please try again later.

[This link stopped working for a few days in July but seems to be working again] Many thanks to LM225 - Citi AA Executive Personal Mastercard, 100,000 miles after $10,000 spend in 3 months, Admirals Club access for cardholder and family or cardholder and two guests, up to $200 in statement credits. $450 annual fee, not waived. Landing page no longer loads as of 6/24.


The landing page asks for a first and last name but the application loads with or without the landing page. This is a CHIP and Signature card. If you go through the landing page, please use any referral code given to you by an AC rep.

For alternate 100K links, see Post #6084. https://www.citicards.com/cards/acq/...&screenID=3001

Many thanks to lobo411 - Citi AA Executive Personal Mastercard, 75,000 miles after $7500 spend in 3 months, Admirals Club access for cardholder and family or cardholder and two guests, up to $100 in statement credits. $450 annual fee, not waived. No landing page. This is a CHIP and Signature card. Bonus confirmed in posts 136 and 142. Still working: There is also a public version of this offer Citi AA Mastercard, 75,000 miles, Landing page available here. HT Belllaaa.

Many thanks to cerealmarketer - Citi AA Executive Personal Mastercard, 60,000 miles after $5k spend in 3 months, Admirals Club access for cardholder and family or cardholder and two guests. $450 annual fee, not waived. Landing page available here. This is a CHIP and Signature card. Landing page for 60K for $5K, with $100 statement credit and application.

Current 50K public offer: (Be carefull this link is showing as 30k in citi system, use other link for 50k) Landing page for 50K for $5K spending, no statement credit and application.

New 50k offer:
Landing page for New 50K for $5K spending, no statement credit - Application Link WARNING: This landing page contains the following in the Footnotes: "American Airlines AAdvantage bonus miles are not available if you have had a Citi Executive / AAdvantage World EliteTM MasterCard opened or closed in the past 18 months." But the app link directly following it goes to a totally different app page, which is reported to be working as usual.


EXPEDITED SHIPPING
While reconsideration/application reps do not seem to be aware of this, these cards are expedited and usually arrive 1-2 days after approval.The CSR will not take a request to expedite the card.

Who is eligible for this card? Anyone as long as you can be approved for the minimum $5K credit line, subject to the standard Citi rules of 1 Citi app or card of any kind per 8 days and 2 Citi cards or apps of any kind per 65 days. It is always advisable to wait 65 days from any type of Citi denial before applying for another Citi card. Many have reported getting approved for this card in spite of having several open AA cards over the past year as well as having previously had this card.

Not sure about the 8 and 65 day rules? If your most recent application for any Citi card is less than click here - 8 days ago, you need to wait. Also, if your previous (second-to-last) Citi application is less than click here - 65 days ago, you need to wait. These are not rules published or known by Citi CSRs but rather based on thousands of Citi card applications and datapoints across several threads.

This card can be churned. Recent datapoints concerning multiple Executive cards include posts 917, 1059 and starting at 1365. For in-depth datapoints and advice on churning Citi cards, read and study the extensive wiki posts in the HH thread and the AA Plat/gold thread. Click the plus on the right hand side of the wiki if you do not see the wiki text. Datapoints for bonus points posting on multiple cards include post 2579.


Getting around the $450 annual fee: Some have been able to meet the spending requirement before the first statement posts and then cancel and have the fee refunded after the miles post. Details and datapoints include starting at post 74. T&C state that the card must be cancelled within 30 days of the fee posting to get it refunded. Potential problems with this plans include a very short (1 week or less) first "month" as well as delays in miles posting which have been reported by several FTers here http://www.flyertalk.com/forum/credi...ost-first.html. YMMV. If paying $250-$450 for a year's access to Admirals Clubs and the 60K-100K miles is a deal breaker, this card may not be for you.

Once you cancel the card (within the 37 day window of AF posting) the refund will post on the account between 1-3 business days.

Retention Bonus Offers: User have been offered the following retention bonus offers when calling to cancel the card:

- 5,000 points + $100 credit with $1,500 spend per month for 3 months 5333
- 2 additional club member passes 6862
- 1,000 bonus miles each month for 16 month, min $1k spend/month 6862

Already a member? If you already purchased an AC membership (for example, using the credit from Amex Plat) and apply and are approved for this card, AA will refund you the pro-rated AF from any time left on your membership.

When do miles post? Usually a few days after your statement closes. In some cases your statement will show the correct miles earned but will show 0 miles reported to AA. In this case see this thread.

Please post more experiences about cancelling to avoid the $450 fee


Helpful points from post #3794 and others, especially for those new to Citi:
1) Citi CSRs are clueless, so disregard everything they say that seems to contradict anything you have read on F/T. And take everything else with a big grain of salt. I was told 3 times VERY CLEARLY "You will not got your annual fee refunded" while I was cancelling, but I did get it.

2a) With Citi, if you are approved for a card, and meet the minimum spend requirement, you will get the bonus listed for the offer you applied for. Every time ! Unlike Chase or AMEX, who will send you a card, wait for you to pay the fee and spend, and then say "sorry, you don't qualify for a bonus". If Citi doesn't intend to give you the bonus, they will just deny your app. They won't even do a pull, they will just instantly deny your app. If they send you the card, and you meet the spend on time, you will get the bonus. My attorney insists I add "that could change tomorrow", but from the Big Bang thru today, that has always been true.

2b) Another helpful post discussing timeframe for meeting min spend: 6279

3) Any expectation that Citi will do things that make sense is just plain silly. They won't.

Citibank Contacts/Resources
  • 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
  • (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
Admiral Club Access: You do not need to be flying AA that particular day of travel. (Ex: you're flying DL on the day of travel...you could still enter the AC lounge, even though you're not on an AA flight that day.) Beware, though, that individual lounges have individual rules (see the link below). Alternate rules usually come w/ Qantas lounges, not AA lounges. Furthermore, AC access "comes with" US Air access (19 locations). An authorized user does not have AC access unless they are with the primary card holder. The authorized user's card will have the "Admiral Club" language omitted from the back of their card.

For reference, an AC lounge list: http://www.aa.com/i18n/travelInforma...#admirals-club
For questions and discussions on lounge access: Help Desk: Lounge Access and Lounge Access Rules

$200 Statement Credit on any purchase:

Multiple datapoints within this thread as well as multiple confirmations from CSRs say that the $200 statement credit is for any purchase.

Also, please note that these cards do not include the 10% miles rebate offered by some other Citi AA products.

What about the EQM? AA tracks your miles earned on Executive card(s) and adds 10K Elite Qualifying Miles to your EQM balance once you earn 40,000 miles during a calendar year on Executive card(s). Any number of Executive cards can add up to the 40K, and you cannot earn more than 10K EQM each year. No redeemable miles are added, and this is of no consequence or value unless you will also earn at least 15K additional EQM in a given year by flying and 10K will bump you up to the next status level.

Direct phone number to Citi Fraud Prevention department: +18664705331

Concierge service enrollment (allows for electronic requests). Concierge number is +18778812668

Here are the minimum credit limit required amounts in order to keep an account open (for purposes of new card applications and reconsiderations)
Citi Amex 1k (likely citi gold as well)
Citi Visa signature/world MasterCard 3k
Citi World elite Mastercards (including exec) 5k


Advice to those new to citi American Airlines cards,

If you are just starting out please apply and use the lower level citi AA card for a while before moving on to this thread and card. This will help you in the long run in more ways than one. Most of us here have opened and used lower level AA cards before moving on to this thread and card
Also,
Check out this thread
http://www.flyertalk.com/forum/citi-...ost-first.html
Print Wikipost

Citi Executive AA MasterCard [October 2013 - September 2014]

Old Feb 16, 2014, 2:20 pm
  #2161  
 
Join Date: Jan 2014
Posts: 224
Originally Posted by CodeAdam10
Citi isn't the bank to get overly churn-happy with. They're strict and their blacklist is impossible to get yourself removed from. YMMV but for me saving $250 ain't worth jeopardizing my relationship with Citi...I know they're worth more than that in the long run.
I've searched FT and can't find any information to backup your assertion. If you could point us to the datapoints you used to reach this conclusion, it would be appreciated.
traveler9020 is offline  
Old Feb 16, 2014, 2:46 pm
  #2162  
 
Join Date: Aug 2011
Location: The Phoenix Desert
Programs: Hilton Cubic Zirconia, Marriott Fools Gold
Posts: 1,692
Originally Posted by maddie5218
Would it be a bad idea to try to open up a 2nd card with only a ~2-3 month history with Citi?
Considering Chase was recently giving you a hard time about opening a new card with them, I'd recommend laying low with Citi too. Just be happy with the 100k miles for now and work on building up your AAoA. There will (likely) always be other awesome offers that come up, so just wait for one of those. No sense in adding another HP to your credit report and running the risk of getting shut down for too many new accounts. Its a marathon not a sprint
skitch23 is offline  
Old Feb 16, 2014, 4:08 pm
  #2163  
 
Join Date: Jul 2011
Location: North America
Posts: 2,265
Originally Posted by pricesquire
So you don't churn with them at all? Not even the 1 every 8, 2 every 65 churn?
Of course I 'churn' them. I just don't open (2) of the same cards to get 200k miles and then rush to buy prescriptions for $20,000 in 3 days so I can close those cards before the AF hits. But like I said, YMMV.

Originally Posted by jamesb2147
CodeAdam10 was referring to canceling and having the AF refunded. He was specifically referring to a form of churning that entails aggressively closing cards/accounts as well opening them. Frankly, I'm surprised we haven't had more advice along these lines in this thread. Closing accounts is a dangerous game to play. Most people do not want to be shut out of having a credit card, and there are only a handful of issuers.
Absolutely. Thank you for clarifying my vague post. ^

Originally Posted by fulthrust7
Are you speaking from experience? Are there data points on this or just a speculation?
Like I said above, if you feel opening (2) of the same card (which is also a premium product of the bank), then running to buy $20k in prescriptions to avoid the AF and gain the system can go unnoticed forever, then by all means to do. IMO it isn't worth it. Sure there have been debates about this for ages and people have aggressively churned millions of miles, so YMMV....I also feel it is kind of 'cheating' the system but that's a moral issue so let's leave that out.

Originally Posted by traveler9020
I've searched FT and can't find any information to backup your assertion. If you could point us to the datapoints you used to reach this conclusion, it would be appreciated.
FT isn't the final authority on what banks do and don't do. Funny how people always being their cross-examination with "I've searched FT..." --- what does that mean any way?

At the end...based on what I know...what I read...and sure, some 'experiences' for y'all who look for reassurances...it ain't worth avoiding $250 to mess up a valuable banking relationship. Can it be done? Sure, there are magnitude of threads with success stories from 1000's by now...is it worth it to be that aggressive? Not in my opinion. YMMV. People play this game in different ways.
CodeAdam10 is offline  
Old Feb 16, 2014, 4:22 pm
  #2164  
Suspended
 
Join Date: Jan 2013
Location: Barcelona
Posts: 3,317
Originally Posted by CodeAdam10
Of course I 'churn' them. I just don't open (2) of the same cards to get 200k miles and then rush to buy prescriptions for $20,000 in 3 days so I can close those cards before the AF hits. But like I said, YMMV.



Absolutely. Thank you for clarifying my vague post. ^



Like I said above, if you feel opening (2) of the same card (which is also a premium product of the bank), then running to buy $20k in prescriptions to avoid the AF and gain the system can go unnoticed forever, then by all means to do. IMO it isn't worth it. Sure there have been debates about this for ages and people have aggressively churned millions of miles, so YMMV....I also feel it is kind of 'cheating' the system but that's a moral issue so let's leave that out.



FT isn't the final authority on what banks do and don't do. Funny how people always being their cross-examination with "I've searched FT..." --- what does that mean any way?

At the end...based on what I know...what I read...and sure, some 'experiences' for y'all who look for reassurances...it ain't worth avoiding $250 to mess up a valuable banking relationship. Can it be done? Sure, there are magnitude of threads with success stories from 1000's by now...is it worth it to be that aggressive? Not in my opinion. YMMV. People play this game in different ways.
I agree, Adam. ^
pricesquire is offline  
Old Feb 16, 2014, 4:24 pm
  #2165  
 
Join Date: Jan 2014
Posts: 224
Originally Posted by CodeAdam10
FT isn't the final authority on what banks do and don't do. Funny how people always being their cross-examination with "I've searched FT..." --- what does that mean any way?

At the end...based on what I know...what I read...and sure, some 'experiences' for y'all who look for reassurances...it ain't worth avoiding $250 to mess up a valuable banking relationship. Can it be done? Sure, there are magnitude of threads with success stories from 1000's by now...is it worth it to be that aggressive? Not in my opinion. YMMV. People play this game in different ways.
No need to get defensive. I just thought the basis of your original assertion was factual in nature. I see now that it was merely speculative, which is fine. This is an excellent forum for sharing ones opinion. Actual facts, observations and datapoints are not a requirement, so post away.
traveler9020 is offline  
Old Feb 16, 2014, 5:10 pm
  #2166  
 
Join Date: Sep 2010
Posts: 153
What is the difference if you close after the first year or after first month?
Anyway they can tell that you get cc just for the points.
If you care about it don't play the game at all!
Belllaaa is offline  
Old Feb 16, 2014, 5:21 pm
  #2167  
Suspended
 
Join Date: Jan 2013
Location: Barcelona
Posts: 3,317
Originally Posted by Belllaaa
What is the difference if you close after the first year or after first month?
Anyway they can tell that you get cc just for the points.
If you care about it don't play the game at all!
The difference is: (1) average age of accounts; (2) access to AC; (3) 10k qualifying miles after XX,XXX spend.

No they can't "tell that you get cc just for the points," unless you're obvious and/or don't know how to "play the game at all!"

It's not an all or nothing approach. Don't be ridiculous.
pricesquire is offline  
Old Feb 16, 2014, 5:33 pm
  #2168  
 
Join Date: Sep 2010
Posts: 153
Originally Posted by pricesquire
The difference is: (1) average age of accounts; (2) access to AC; (3) 10k qualifying miles after XX,XXX spend.

No they can't "tell that you get cc just for the points," unless you're obvious and/or don't know how to "play the game at all!"

It's not an all or nothing approach. Don't be ridiculous.
I know, I play the game for several years now and got millions of points, was never denied on a cc. I guess I know how to play the game really well.
Maybe I wasn't so clear but I just think if you apply for two cards to get 200k won't be a big difference if you keep both of them for a year or close one of them.
I am planing to close one and leave the second one open for a year.

Last edited by Belllaaa; Feb 16, 2014 at 5:47 pm
Belllaaa is offline  
Old Feb 16, 2014, 5:49 pm
  #2169  
 
Join Date: Nov 2009
Posts: 434
Originally Posted by Belllaaa
Quote:





Originally Posted by pricesquire


The difference is: (1) average age of accounts; (2) access to AC; (3) 10k qualifying miles after XX,XXX spend.

No they can't "tell that you get cc just for the points," unless you're obvious and/or don't know how to "play the game at all!"

It's not an all or nothing approach. Don't be ridiculous.




I know, I play the game for several years now and got few million points, was never denied on a cc. I guess I know how to play the game really well.
Maybe I wasn't so clear but I just think if you apply for tho card twice to get 200k won't be a big difference if you keep both of them or close one of them.
I am planing to close one and leave the second one open for a year.

Please let us know if it can be closed with AF refunded. Would they refund $450 or $450-$200=$250?
jrey is offline  
Old Feb 16, 2014, 6:15 pm
  #2170  
 
Join Date: Jan 2014
Location: LAX/BUR
Posts: 525
Originally Posted by longhorn11
You need to balance building your credit report and getting bonuses at your age. You really need to cool it as I said in your Chase thread, as you're seriously putting your overall credit at risk. You need to realize the people who are successful LONG TERM (this is meant for everyone) have credit histories of 5, 10, 15 years or longer.

There may be a few that get away with aggressive behavior with thin files, but normally it ends up like the poster that had his Citi card closed.
Originally Posted by skitch23
Considering Chase was recently giving you a hard time about opening a new card with them, I'd recommend laying low with Citi too. Just be happy with the 100k miles for now and work on building up your AAoA. There will (likely) always be other awesome offers that come up, so just wait for one of those. No sense in adding another HP to your credit report and running the risk of getting shut down for too many new accounts. Its a marathon not a sprint
The report that Chase pulls had 4 hard pulls whereas the Citi one had one before this week (it has two now, I'm assuming, after this exec card pull).

That being said... I'll stick to the one for now. Thanks for the advice.
maddie5218 is offline  
Old Feb 16, 2014, 6:16 pm
  #2171  
 
Join Date: Jan 2014
Posts: 224
Wheelsup57 posted the following in post #2082. It may answer you AF question.

Originally Posted by wheelsup57
It has been a few months since anyone in this thread mentioned pro rating the annual fee. I think page 38 was the last mention. I just had a look at "Dans Deals", a site similar to TPG, and on there it is explicitly stated that there will be NO pro rating of the annual fee.

Can anyone in here offer any data points regarding this question? Thanks

EDIT:

Okay, I just found this in the T & C's

"
Annual Membership Fee. If an annual membership fee applies, the Fact Sheet shows it. We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable."

I guess "The fee is otherwise non-refundable" answers my question. I will leave this up in case anyone else was wondering.
traveler9020 is offline  
Old Feb 16, 2014, 6:33 pm
  #2172  
 
Join Date: May 2010
Posts: 542
You can always count on members of FT to ruin a good deal.

If you can't afford the $450 annual fee, this card isn't for you!
NauticalWheeler is offline  
Old Feb 16, 2014, 6:46 pm
  #2173  
 
Join Date: Aug 2012
Posts: 470
Originally Posted by longhorn11
Barclays is one of the easiest banks to get in with when someone has a limited credit history. I highly doubt she will be able to get this card with only 9 months total credit history, since it technically is supposed to be one of their "hardest" cards to get.

I think the poster above was guessing their average age of accounts.
What is weird when I called recon is they said they only show one card in her experian history when she has several cards... I pulled her report and it is missing a few cards. Is that normal?
mastermind85 is offline  
Old Feb 16, 2014, 7:12 pm
  #2174  
 
Join Date: Jul 2013
Posts: 1,872
Originally Posted by Blueskyheaven
Is the lounge at 40 airports worldwide ? or there are 40 lounges at airports worldwide? It has to be AMERICAN AIRLINE lounge?
is there a list of lounges by country to country?. How can I check if there is the lounge in say in Thailand?

Some of the lounges listed for this card shows Non AA lounges.

Is this the one we can visit with this card?

Says it has to be qantas flight?
Bangkok, Thailand (BKK)
Bangkok Suvarnabhumi Intl. Airport


Airside, Departures level 3 Concourse G near Gates 1-5


Qantas

Must present your membership card (or 30 Day Membership receipt) and boarding pass at check-in counter for same day travel on Qantas operated flight.
Thanks
any information or knowledge on this?
Thanks
Blueskyheaven is offline  
Old Feb 16, 2014, 7:36 pm
  #2175  
 
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Originally Posted by maddie5218
The report that Chase pulls had 4 hard pulls whereas the Citi one had one before this week (it has two now, I'm assuming, after this exec card pull).

That being said... I'll stick to the one for now. Thanks for the advice.
Remember new accounts hurt more than inquiries with regards to your overall score. This is especially the case when the majority of cards on your report are brand new.

Originally Posted by mastermind85
What is weird when I called recon is they said they only show one card in her experian history when she has several cards... I pulled her report and it is missing a few cards. Is that normal?
Sometimes, it really depends on the issuer. What types of cards are they? Store, bank, etc.?

Most if not all major banks should report, and I would get in contact with them asap if they're not. Some smaller banks and stores do not report to all credit bureaus.
longhorn11 is offline  

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