Go Back  FlyerTalk Forums > Miles&Points > Credit, Debit and Prepaid Card Programs > Citi | ThankYou Rewards
Reload this Page >

Citi AA cards: TARGETED offers (includes Mailers, eMailers and Matching)

Citi AA cards: TARGETED offers (includes Mailers, eMailers and Matching)

    Hide Wikipost
Old Sep 17, 19, 5:16 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: muji
Wiki Link
Please read this Wiki before posting in this thread

Citi AAdvantage discussions have been split into TWO NEW THREADS. This thread is specific to the use of mailers and matching bonus offers. A general discussion of Citi AA cards and benefits can be found at Citi AA cards: General discussion and PUBLIC online offers.

Citi AA card discussion from 2018 is HERE

The Basics:

  • Starting in August 2016, Citi began putting language in all public offers that restricted customers from using those links to get a signup bonus if they had opened or closed a similar (i.e. personal or business) card in the previous 24 months. Updated: Around July 2019, Citibank introduced a 48-month restriction on some cards, however this appears to be based upon the card itself, not the family of cards.
  • It was discovered that most targeted offers sent via U.S. Mail with a 9-digit invitation code did not have this language and were usable by anyone to get a new card with a signup bonus attached to it. Updated: Around August/Sept. of 2019 it appears that the Business mailers will take you the application website where the 48-month restriction is in place.
  • Starting in November 2018, Citi began to restrict these mailers to a single use.
  • Although CIti has always matched higher offers with a one-time courtesy bonus, the specifics of their policy has become more clear.

How Mailers Work:

  1. Clear your browser's cache and cookies, or use private or incognito mode
  2. Go to the website listed on the mailer, usually http://citi.com/applynowAAplatinumselectcard
  3. Enter the 9-digit invitation code and the last name of the mailer recipient
  4. If the mailer is expired or has already been used it will error out
  5. On the application page the recipient's name and address will be pre-filled, and you can make any changes or corrections you need to on this page, and then fill in all of the other required information Updated: Pay attention to this page, as it may have a 48-month restriction window near the top.
  6. If you get to the application page, then the mailer is working and you will get the bonus if approved and you make the required spend in a timely fashion
  7. If you are not auto-approved (usually you get a '7-10 day' message) write down the application ID (which starts with 2 digit year, month, day), call Citi at 1-800-695-5171 (direct line to an agent for personal cards, open daily 8am-12 midnight EST, have your application ID ready), 1-866-541-7657 (direct line to an agent for business cards, open daily 7am-9pm EST, have your application ID ready), or 1-866-606-2787 (indirect line with prompts), and request status of your application (they need SSN of application ID). They will verify your identity, ask if you applied for the card, and normally try to call or text you at one of the numbers listed on the application. NOTE: Applications will stay in the Citibank system for at least 60 days. If you apply, do not get auto-approved, received denial letter in the mail, and more than 10 days has passed, and wish another RECON, call back in within 60 days of the APPLICATION DATE.
  8. As soon as you apply you will generally get an email acknowledging the application
  9. As soon as you are approved, you will probably get an approval email listing the last 4 digits of the card number
  10. About a week (East Coast) to ten days (West Coast) after approval you should get an application approval letter listing the bonus and a day or two later the actual card
  11. Activate your card and Chat or SM requesting a match to the highest available offer or 20,000 miles, whichever is lower. Chat or SM to reduce credit line to whatever you need if applicable. Setup auto-pay if applicable
  12. Matched miles should show up two days after the end of the next billing period
  13. Make spend prior to the deadline, and miles should post 2 days after statement closes during which spend was completed
  14. Lower the credit line to $2000 using Chat or calling Citi
  15. Close the card using the automated phone line (number on the back of the card), and if the system tries to transfer you to an agent, you can close over SM

Frequently Asked Questions

  1. How do I get mailers?

  2. What restrictions are there on the use of mailers?

  3. I received an offer via email without 24-month language, will it work?

  4. How frequently can I apply for Citi cards?

  5. Do I need to close existing cards before applying?

  6. When should I close existing Citi accounts?

  7. What is the recommended application procedure?

  8. There is nothing on the application page stating the bonus miles. How do I know what the associated offer is?

  9. My credit limit is really low, what can I do?

  10. I applied but did not get auto approved, what should I do?

  11. After approval, how can I a) confirm the amount of the bonus I can earn and b) determine the deadline for completing the required spend?

  12. How do I match a higher offer and how much can I get?

Frequently Asked Questions

The FAQs below will almost certainly answer questions you have about Citi AA Platinum, Gold, and CitiBusiness cards. Do not post in the thread "just to double-check if the wiki is correct"; the wiki is here to avoid having people ask the same questions endlessly. With few exceptions, Citi CSRs and bloggers spread a great deal of misinformation.


1. How do I get mailers?
As a general rule, Citi marketing sends out offers to AAdvantage members who have not recently (or better yet ever) had a Citi AAdvantage credit card. Creating an AAdvantage account for someone in your household who is 18 years or older and has a separate email address not used on another AAdvantage account is a good way to start getting offers mailed to your address. Beware of 12-digit invitation codes and emailed offers, which do not circumvent the 24-month rules. Read the T&C carefully to make sure there is no 24-month language. Mailers usually start to show up a few months after an AAdvantage account is created. Frequency of mailers varies widely from every couple of months to a couple of times a month.

It is unknown how people get selected for business offers. They represent a fairly small percentage of total mailed offers and seem to follow certain people while others never get them.


2. What restrictions are there on the use of mailers?

  • Mailers can only be used once. Trying the two-browser trick will fail on the second application
  • Mailers do not override normal Citi Application Rules
  • Use of a mailer or the opening of a Citi AAdvantage card by the mailer recipient will stop the flow of mailers to that individual
  • Mailers expire two months after the listed expiration date


3. I received an offer via email without 24-month language, will it work?
Maybe. The previous answer was no (even if the 24-month language was not in the email itself -- there was a link to T&C that contained the language, and it would NOT work)

However, several recent data points (starting around Jan 2019) indicate that receiving an email from AA (not from Citi) with a 9-digit code (not just an "apply now" link with no code) work the same as physical mailers (ie, you get the bonus). In summary, if all of the following are true:

  • the mailer is from AA (not from Citi)
  • the mailer has a 9-digit code
  • the "Apply Now" link leads to the same landing page as http://citi.com/applynowAAplatinumselectcard, with the 9-digit code (but not the last name) filled in
then several recent data points indicate that this WILL circumvent the 24-month language. This is a fairly recent development, so YMMV. Updated: For Business mailers, it appears that the 48-month restriction is in place and may not circumvent any 48-month language.


4. How frequently can I apply for Citi cards?

  • No more than 2 Citi applications of any kind in 60 days (65 days to be safe). Any kind includes personal and business, approved and denied, regardless of type (e.g. AA, TY, CostCo, etc.).
  • [In addition to the above:] No more than 1 CitiBusiness application in 90 days (95 days to be safe). Citi has been known to miscount in some cases. As a result, it is inadvisable to apply again exactly on day 60 or 90--thus the advice to wait 65 or 95 days.

For purposes of these rules:

  • count all Citi applications, including denials and/or applications for non-AA cards.
  • the only day that matters is the application date (not approval date, not activation date).
  • count all calendar days, not just business days.

If you get denied for violating any of these rules, you will probably have to wait the full time period (60+/90+ days) before trying again. Use this calculator to establish your dates: http://www.timeanddate.com/date/dateadd.html

In addition, FT lore has evolved into soft guidance that you apply for no more than one Citi card (of any kind) in any 8-day period. This is merely prudential guidance, not clearly established Citi policy; there are examples of people applying for two cards in a single day and being approved for the second. However, multiple Citi applications in a short time frame do appear, at least anecdotally, to increase the odds of the second application being denied. (You may see FTers refer to "the 8/65 rule," which refers to this soft guidance plus the strict 60-day rule noted above.)

An example of the guidance above applied in combination:

Day 1 Apply for 65K AA Personal Plat MC - Starts 60-day and 24-month clocks. No apps of any kind recommended for 8 days.
Day 9 Apply for 50K AA Personal Plat MC using Mailer - Restarts 24-month clock for personal AA card & resets 60-day clock.
Day 66 Apply for 50K AA Business - Starts 24-month clock for AA biz card apps, starts 90-day clock for CitiBusiness cards & updates 60-day clock. No apps of any kind for 3 days, recommended 8 days.
Day 74 Apply for 50K TYP Card - Starts 24-month clock for TYP & updates 60-day clock. No apps of any kind for 52 days, recommended 57 days.
Day 161 - Open Costco Business card/Close CitiBusiness AA card - Restarts 24-month clock for Business AA apps, restarts 90-day clock for CitiBusiness cards & updates 60-day clock. No apps of any kind recommended for 8 days.
Day 9 plus 24 months Apply for 50K AA personal plat MC - As long as you have not closed the Day 9 card in the previous 24 months (as that would have reset the 24-month personal card clock).
Day 161 plus 24 months - Apply for 50K AA Business . . .

Not sure what day you applied? The date is written year, month, day in the application number: 1902150000... means you applied on February 15, 2019.


5. Do I need to close existing cards before applying?
There is no requirement that you close previous personal accounts. In fact, with the new applications that include 24-month language, closing accounts will increase the time between applications. People have reported having 6 or more of the exact same card.

The rules for Business accounts vary by individual. Some people can only get a single business card in their lifetime. Others can only get a new business card if their previous business cards are closed. Still others can have multiple business accounts open. It is unknown why people end up in one pool versus another. The only way to figure out which pool you are in is to test it out. With the new 24-month language, it is safest to completely close business accounts as soon as the bonus is received.


6. When should I close existing Citi accounts?
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 except in cases where charges forming part of the required bonus spend are later reversed (for merchandise return, etc.) and even this is rare. Opening and closing accounts has no effect on whether or not you get the bonus from a mailer without 24-month language. If you are getting these cards every 33 days, there is no reason to keep old cards active.

Reasons to keep accounts open:


  • Having large credit lines improves your utilization percentage.
  • Maintaining old cards improves average age of cards, although cards are not removed from your credit report for 10 years.
  • 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 call/SM/chat to reduce credit lines instead or prior to closing to free CL more quickly.
  • You can receive retention offers once every 6 months per card. See this thread for details on the latest retention offers.
  • Closing cards now resets the clock for future applications for the same type and category of card.
Reasons to close accounts:

  • Having a large amount of available credit with Citi will eventually reduce your chances of instant approval. You may end up with 1K/2K credit lines, especially on Business cards. You can also SM and request that your CL be reduced.
  • There is little incentive to keep a card with an annual fee if Citi does not offset it with a credit.
  • Citi has become stingier with retention offers and credits to offset annual fee.
  • Having a large number of open Citi cards may affect non-Citi applications.
  • Closing multiple accounts of the same type and category simultaneously resets the clock only once. Doing so shortly after opening a new account minimizes the wait for future churn eligibility.
  • The actual effect on your credit of closing cards as soon as the bonus is received is negligible.
  • Citi has not reacted negatively to people churning and closing cards on a near monthly basis.

7. What is the recommended application procedure?
Clear cache and cookies prior to applying or use an incognito or private browsing session to apply. Failing to clear cookies/cache has resulted in people receiving a lesser offer or no bonus at all. Opening multiple, different apps in different windows or tabs will not circumvent the one-use restriction on mailers.


8. There is nothing on the application page stating the bonus miles. How do I know what the associated offer is?
The bonus listed on the solicitation is the bonus associated with the application. As long as you cleared your cache first to make sure you are not pointing to the wrong offer then nothing will change the offer associated with the application. See below for ways to tell whether or not you are eligible for the bonus.


9. My credit limit is really low, what can I do?
Citi limits your total credit lines across all cards based on a number of factors, including income. Normally, they will extend something in the high- to mid-teens on a new card if it will not go over the total limit they are willing to extend to you. It is advisable that you lower credit limits immediately upon activation to what you actually need and reduce it again to $2000 prior to closing the card. It is also recommended that you close cards once the bonus has posted and the balance is paid off to limit the amount of outstanding credit and increase the chance of automatic approval and reasonable credit lines.


10. I applied but did not get auto approved, what should I do?
If you have a large total credit line from Citi or you have applied for a number of Citi AAdvantage cards in a short period of time, you are likely to stop getting auto-approvals and instead get a 7-10 day message. Closing cards and reducing credit limits can reduce this risk as can slowing down the tempo of applications. However, this is not a denial. Normally, Citi will just need to verify your identity and that you applied for the card. They can do this by mailing a letter or calling you and leaving a 4- or 5-digit code. This can be done while you are on the phone if you have call waiting or call from a different phone than the one listed on the application, or can receive a text to the listed phone.

Expect to be asked for name, address, date-of-birth, SSN, and whether or not you applied for the card. If they are unable to call you, they may ask for a credit card number from a different issuer, who they will call with you on the phone.

If you are not auto-approved call Citi at 1-800-695-5171 (direct line to an agent for personal cards) or 1-866-606-2787 (indirect line with prompts).


11. After approval, how can I a) confirm the amount of the bonus I can earn and b) determine the deadline for completing the required spend?
For personal and business cards, you can always Chat with Citi through your online account to confirm your bonus amount and deadline. (You must first activate the card and set up online access, either by creating an online account or by linking your new card to your existing online account. Unlike some other banks, Citi does not automatically add your new card to your existing online account.)

In addition, for personal cards only, the approval letter for a personal card will confirm the amount of the bonus for which you are eligible, but not the spend deadline. Note for business cards only: Approval letters for business cards do not confirm the bonus.

Note that these are the only reliable indicators. Asking a Citi phone CSR immediately after you are approved is NOT a sound approach. Such CSRs can only tell you what the bonus offer terms were, not whether you are eligible. (This is because Citi will issue you a card even if you are ineligible for the signup bonus.)


12. How do I match a higher offer and how much can I get?
After you activate and link your new card to your online account, use Chat or send an SM with some variant of:

"I just activated my new card and I heard about a higher offer for XX,000 miles and I was wondering if you could add XX,000 miles as a one-time courtesy to match that higher offer?"
You have to have a bonus on the existing card. You do not need to explain where you saw the bonus. You do not need to lie, simply read about current bonuses in this thread. The highest offer you can currently match to is 75,000 miles and the most you can match is an extra 20,000 miles. The total bonus is used on tiered offers like 50,000 miles for spending $3000 in 3 months and an extra 10,000 miles for spending a total of $6000 in 12 months is a total offer of 60,000 miles and can be matched for an additional 15,000 miles to the 75,000 mile offer. Update: Citi, as of July 2019, is no longer agreeing to give these extra bonus miles.

The bonus miles normally appear two days after the end of the next billing cycle.

If you are rejected, send a new request. If rejected more than once, try sending at a different time of day, use different wording, etc.

If you get a message that you were not selected for that offer and please send a copy of the offer to which you are requesting a match, then you probably asked for too much or did not carefully word your request with the amount of miles requested and the total of the offer you are trying to match.
Print Wikipost

Old Jan 18, 19, 7:14 pm
  #181  
 
Join Date: Jun 2013
Location: SJC/SFO
Posts: 308
Thanks to everyone posting in this thread - success! On Jan 5th I have sent the following secure message to Citi:

I have signed up for the 50000 miles plus 10000 miles bonus offer after spending $6000 on new Citi AA Platinum Select card. recently read that there is a signup bonus offer available for 75000 miles available.I am wondering if I could be matched / bumped up to the 75K offer?
I have received no direct response to that SM. Today (January 18th), I received an email from Citi titled "Your AAdvantage® miles have been adjusted" with the following contents:

Hi, Blaz. We've added 15,000 Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® miles to your Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® account. You'll see this mileage adjustment on your statement within two billing periods.
Before I sent the SM I have already spent the $6000 required for the signup bonus. My first statement hasn't cut yet and this is my first AA card ever.
blaz is offline  
Old Jan 19, 19, 7:44 am
  #182  
 
Join Date: May 2012
Posts: 214
Originally Posted by blaz View Post
Thanks to everyone posting in this thread - success! On Jan 5th I have sent the following secure message to Citi:



I have received no direct response to that SM. Today (January 18th), I received an email from Citi titled "Your AAdvantage® miles have been adjusted" with the following contents:

Before I sent the SM I have already spent the $6000 required for the signup bonus. My first statement hasn't cut yet and this is my first AA card ever.
Good work and welcome to the game.

Going forward take that 2nd $3000 you spent (from $3000-6000) and put it on your next Citi AA card to double your miles from 75k to 150k
PresskittJon is offline  
Old Jan 19, 19, 11:08 am
  #183  
 
Join Date: Jul 2013
Posts: 1,775
Originally Posted by muji View Post
At the top of the page, click on Services

Under that click on Credit Card Services

Now, under Card Management, click on Request A Credit Limit Increase

Then, on the left hand side under Need Help?, click on Request Your Card Agreement
Thanks so much for the step by step directions that even I could follow. I read about that a while back, but couldn't get it to work, so I thought it was no longer workable. This time I did each step correctly, and yes, my SM has now been sent.
RobertHanson is offline  
Old Jan 20, 19, 1:10 pm
  #184  
 
Join Date: Jun 2014
Programs: 747 Upper Deck QF J LAX-BNE; A380 SQ SuiteC+D SYD-SIN & SIN-HKG; 777 CX F HKG-JFK; Park Hyatt Sydney
Posts: 513
Unhappy

Originally Posted by bobert24 View Post
I got an interesting letter today. Curious if anybody else got one similar. First of all, it's dated 1/15/19 (time travel, obviously). Apparently there was some confusing wording at some point about earning 2X miles with the plat card at restaurants and gas stations. They just wanted to clarify. Simple enough.

Here's the confusing thing: it's addressed to one of my relatives who gets mailers but has never applied for their own card. It's regarding a Plat card for this person (complete with the last 4 digits of the card and everything). No one in my family has ever had a card with those last 4. Those digits also don't match any mailers we've received within the past 3 years, or an AA account, or anything else I can think of.

The obvious first thoughts are: 1. identity theft and 2. Citi's attempt to get rid of confusion led to them creating even more. But it can't be ID theft, because it would be impossible for this person to get a credit card. So all I can think is that Citi's IT messed up somewhere. Just curious if anybody else got a similar letter, and if it was as confusing/impossible as mine.
My fear is that Citi has opened a dummy account for my relative so he no longer receives new mailers. We'll see, but fortunately I have lots of relatives.
Ed Janowsky is offline  
Old Jan 20, 19, 3:51 pm
  #185  
 
Join Date: Jun 2014
Location: TPA
Programs: AA Plat; Hilton Gold; Marriott Gold; IHG Gold
Posts: 2,372
DP:

2 cards currently open, newer app was in Oct
Tried a "expires Dec 15" 9-digit mailer and got the "information does not match" response
Tried a "expires Dec 30" 9-digit mailer and got instant approval (50+10, which I will SM to 75)
I intend to close the 2 older ones after latest is received and bumped to 75
I have another Dec 30 which I will try end of Feb;
SpammersAreScum is offline  
Old Jan 20, 19, 4:45 pm
  #186  
 
Join Date: Nov 2010
Programs: AA LT Plat
Posts: 3,670
Originally Posted by Ed Janowsky View Post
My fear is that Citi has opened a dummy account for my relative so he no longer receives new mailers. We'll see, but fortunately I have lots of relatives.
My relative who received one of those notices listing a nonexistent account number subsequently received a mailer. Of course there was only about a week in between, and maybe there is a time lag.
SeeBuyFly is offline  
Old Jan 20, 19, 5:11 pm
  #187  
 
Join Date: Feb 2012
Location: The place where it gets so hot in the summer some planes can't take off.
Programs: Marriott LT Titanium, WoH Globalist, National EE, United Platinum
Posts: 1,098
Originally Posted by PresskittJon View Post
Good work and welcome to the game.

Going forward take that 2nd $3000 you spent (from $3000-6000) and put it on your next Citi AA card to double your miles from 75k to 150k
If you spend $3000 per card instead of $6000 you only get 50k miles plus 15k match.

Not sure why everyone is so against spending the full $6k on these current offers. 4.3 miles per dollar for the extra $3000 is a pretty good earn rate.
bigshooter is offline  
Old Jan 20, 19, 5:27 pm
  #188  
 
Join Date: Aug 2015
Posts: 539
Because ‘pretty good’ doesn’t beat ‘exceptional’ for the same spend and little more effort, IMO. The only way I would consider this is if mailers had dried up.
NTP9766 is offline  
Old Jan 20, 19, 5:31 pm
  #189  
 
Join Date: Nov 2010
Programs: AA LT Plat
Posts: 3,670
Originally Posted by bigshooter View Post
4.3 miles per dollar for the extra $3000 is a pretty good earn rate.
It is? Compared to 22.7 miles/$ on the first $3000 of your next card?

I suppose it depends on how much spend you can generate without breaking a sweat. Speaking for myself, I sometimes pay 2-3% to make the spend (and even if not paying directly, I give up the 2% cashback I could have gotten charging regular spend on my regular card, which is the same as paying 2%), so I don't do it for small potatoes.
SeeBuyFly is offline  
Old Jan 20, 19, 5:48 pm
  #190  
 
Join Date: Feb 2012
Location: The place where it gets so hot in the summer some planes can't take off.
Programs: Marriott LT Titanium, WoH Globalist, National EE, United Platinum
Posts: 1,098
I guess if you have trouble generating $6000 of spend every month then the extra $3000 is not a great deal. I've been doing a card every month and maxing out the offers, but fortunately I can do it for <1%. I look at it as an extra biz class international ticket every year.
bigshooter is offline  
Old Jan 20, 19, 5:52 pm
  #191  
 
Join Date: Nov 2010
Programs: AA LT Plat
Posts: 3,670
Note that the "teams" of many churners consist of more than one person.
SeeBuyFly is offline  
Old Jan 20, 19, 10:48 pm
  #192  
 
Join Date: Apr 2007
Posts: 1,777
Originally Posted by 40orFight View Post
Interesting, I believe you are correct. Never knew that it was just amount of time since account opened (regardless of whether subsequently closed). So yes, then there would really seem to be no reason to keep too many of these guys open.
FYI, the source of a lot of this confusion is FAKO scores. FICO uses average age of accounts. FAKO (like credit karma) uses average age of open accounts. The good news is that banks use FICO, not FAKO.
bobert24 is offline  
Old Jan 21, 19, 2:36 pm
  #193  
FlyerTalk Evangelist
 
Join Date: Jul 2003
Location: Florida
Posts: 27,285
Originally Posted by bigshooter View Post
I guess if you have trouble generating $6000 of spend every month then the extra $3000 is not a great deal. I've been doing a card every month and maxing out the offers, but fortunately I can do it for <1%. I look at it as an extra biz class international ticket every year.
You miss the point. It is always better for an earning rate at 22 miles per $1 than 4.5 miles per $1. Math does not lie. The ability to generate the spend is Irrelevant.

Like other said, until the mailer dries up, the additional spend at a much Inferior rare simply does not make sense when there is a far better option at hand.

As to how many extra international trip(s) each year, that is also not very relevant unless you are solely depending on AA miles. Then it is actually not a happy situation to be in.

Many of folks dont rely on AA miles as the sole source for their travels but almost all of us would treat this as "get it while the getting is good", as well as to get the most bang out of the bucks spend.

For that matter, many of us are getting UR pts at 5 per $1 spend rate outside the sign up bonuses - UR pts definitely are more valuable than AA miles given its transferrability. Also dont forget the poor availability of AA award seats on the TATL routes, unless of course you also do not mind to pay an additional few hundreds to redeem on BA flights. The poor comparison of its TPAC routes was mitigated by CX in the past, but CX is getting much tougher since Q2 of 2018, plus now with the famous CX F mistake fares, one can pretty much write the 2019 CX TPAC premium cabins redemption off.

Even with the regional redemption - try to find a CX HKG-Australia / New Zealand in business, you would need to bet your luck by looking at a week to 10 days before departure for example. you also would not find ANY on QF. So the AA miles are dead in water.

Meanwhile TG has availability almost every day. Even SQ has lots of availability, provided you book thru Aeroplan which of course means AMEX MR pts transfer.

Not to mention to those folks who have to book 330 days out due to their work / family obligations, Aeroplan is 365 days out, without routing restriction plus 2 stopovers 1 destination on a R./T redemption.

Having a lot of UR and MR pts at hand is a good measure. Therefore extra spend could be better used for these purposes.

Last edited by Happy; Jan 21, 19 at 2:43 pm
Happy is offline  
Old Jan 21, 19, 2:45 pm
  #194  
 
Join Date: Nov 2010
Programs: AA LT Plat
Posts: 3,670
Originally Posted by Happy View Post
You miss the point. It is always better for an earning rate at 22 miles per $1 than 4.5 miles per $1. Math does not lie. The ability to generate the spend is Irrelevant.

Like other said, until the mailer dries up, the additional spend at a much Inferior rare simply does not make sense when there is a far better option at hand.
Huh? Mailer applications are limited to 2 every 65 days. IF the ability to generate spend is unlimited, one does not need to choose between taking the secondary bonus and taking the primary bonus of the next card. One can do both.

Last edited by SeeBuyFly; Jan 21, 19 at 2:51 pm
SeeBuyFly is offline  
Old Jan 21, 19, 2:51 pm
  #195  
Original Poster
 
Join Date: Oct 2014
Posts: 4,356
Originally Posted by Happy View Post
You miss the point. It is always better for an earning rate at 22 miles per $1 than 4.5 miles per $1. Math does not lie. The ability to generate the spend is Irrelevant.
The ability to generate spend does matter, because you are limited in the amount of cards you can get.

If you can only get 1 card per month but you can generate over $6k of spend per month, it's obviously better to get 81k miles/month than 68k miles/month.

Of course if you could get a 2nd card per month then splitting the spend and getting 136k miles would be even better, but, once you've maxed out the number of cards and put $3k on each, it makes sense to use any remaining spend to get the 2nd part of the bonus.

I can only get 1 per 33 days or so (no spouse, not interested in business cards) so this is my situation
VegasGambler is offline  

Thread Tools
Search this Thread