Posted by Chuck on February 28, 2017
Credit Cards

Published on February 28th, 2017 | by Chuck

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[Expired] Back Again: Citi American Airlines 50,000 Offer without 24 Month Language

Looks like this has unfortunately expired again. Follow us on Twitter and we will update when it’s available again.

The Offer

Direct link to offer

  • Citi / AAdvantage Platinum Select World Elite MasterCard is offering 50,000 miles after $3,000 in spend within the first three months.

citi-aa

Card Details

  • Annual fee of $95 is waived the first year
  • Does not contain 24 month language

Our Verdict

This exact offer and link were available last month, then died, and it’s now back.

This offer does not contain the 24 month language that would exclude you from getting the bonus if you’ve had any other Citi American Airlines card within the last 24 months. Before applying read these things you should know about Citibank.

Please don’t draw unnecessary attention to this offer by calling in and asking if you will be eligible for the bonus or not. All that does is alert Citi that you aren’t eligible under the normal and make it less likely you’ll get the bonus. It’s also possible to get matched to the 60,000 offer as well.

There’s also a similar 50k bonus on the AA business version of the card. Just keep in mind that you can’t apply for more than one or two Citi cards total within 60 days (including all Citi cards, not just AA cards) so that will be an impediment for many people.

We’ll add this to our list of Best Credit Card Signup Bonuses for February.

Hat tip to r/churning for letting us know



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DCjoe
DCjoe

For those wondering, people who applied on 12/27 and then in early/mid-January for 2 of these AA cards are getting approved again for the their third, now that it’s more than 60 days after 12/27. Multiple DPs on reddit already.

JL
JL

Thanks!

Just to double check, you can have in your possession more than one active Citi AAdvantage Platinum Select card? (and cancel / product change down the line when the annual fee is due).

Is that the right interpretation?

DCjoe
DCjoe

Yes! Jjust approved for third card, got the first one on 12/27 and second one in January. Multiple DPs on reddit with similar outcomes. The only thing to worry about with Citi if they have approved you in the past is being past 6/6 (6 hard pulls in the last 6 months) with whatever agency they pull for you. for most it’s Experian, but not all.

TJ
TJ

DC, what is the source of this 6 month rule and why haven’t I seen it in “17 Things Everybody Should Know About Citi Credit Cards”?

DCjoe
DCjoe
DCjoe
DCjoe

And FYI, as explained in that link, it doesn’t appear to be a hard and fast rule. I think it may only apply to certain flavors of Citi cards, the same way 5/24 only applies to some Chase cards.

I was actually right at 6 in the last 6 months and was approved, as were some on reddit.

Irvineguy
Irvineguy

Hey DC,

I thought you have to pass the 65 days for the 3rd Citi card. But in your case, it’s only 63 days from your 1st to 3rd.

DCjoe
DCjoe

The actual rule seems to be 60 days, but the advice has been give it an extra 5 days because it’s Citi. I was getting anxious to grab this again and once I saw DPs from reddit, I went ahead. Good confirmation that 60 days is the actual rule, as people who applied 2-24 for the Business card as their 3rd were about 58-59 days out from their first application and were denied. But those who applied on 2-28 were 62-63 days out and approved.

Ken
Ken

This isn’t entirely true. Citi pulls EQ and EX for me and I’m way over 6/6 for EX but under for EQ. As long as one is under it seems like they’ll approve. I need to freeze EX one of these days…

Abey
Abey

Yes. I currently have two AA platinum cards.
And i also have two AA Bronze cards.
(One bronze downgraded from a platinum card and one bronze downgraded from a AA gold card).

The Value Traveler

if the Doctor ordered you NOT TO CALL, plz follow the Rx……because I tipped this to a coworker last time, and she called–only to the surprise of the agent that she had one already…and she didnt get the bonus. Waste of an inquiry.

Ryan
Ryan

I’m starting to wonder if Citi is doing this on purpose. The code and language for these applications cannot be so difficult that they accidentally leave off language that allows this credit card to be abused, over and over again.

I wonder if they leave the main links up with the 24 month language to reduce the abuse but leave random non-24 month links up to keep their application numbers up.

Just a theory.

Laura
Laura

I noticed Citi pushing write a check and no APR for x # of months on purchases type offers hard these last couple months in physical mailings (at least to me, although I’ve never taken them up on one so maybe that’s why they’re pushing?). They can start making their money back real quick on these offers if anybody takes them up on those offers and doesn’t pay the money back before charges start racking up.

Abey
Abey

These checks i get all day in the mail from Citi, Chase, and Barclays.

Nick
Nick

I think the notion that this offer is a “goof” and CITI doesn’t know what they are doing isn’t plausible. CITI knows there is a small subset of applicants who actively communicate on this and other blogs. So, they save on marketing costs because they already know that word will spread quickly. Almost all offers for this card in the most prominent locations (I.e. the CITI website) haven’t changed. So why would this “special” link suddenly appear (or disappear and reappear)? The most likely reason is a short-term need for applicants, or for the MasterCard fee revenue from the $3K spend. Or there may be a quota of total applications that has to be met. None of us knows the exact cost of AA miles to CITI. But it’s reasonable to assume CITI will take some kind of hit on cardholders who only meet the $3K spend and then cancel. But CITI still recoups at least some of its costs from others who continue to hold and use the card. And as for applicants who take the bonus and run, CITI could develop a database for the future of who not to approve for ANY card. For that reason (and the same would apply to the $250 Wells Fargo checking offer) if you obviously exploit these deliberate “loopholes” (I.e. closing the account shortly after receiving the bonus) you do so at your own peril.

Ryan
Ryan

This is exactly what I’m saying.

This link guarantees a ton of applications today and until it disappears.

Citi can keep the 24 month language in the public links and “accidentally” let out a link like this when they need a bump in applications and revenue.

Jonathan
Jonathan

Might even be leaked by a single individual, or a small team, to help them meet a quota or something.

James
James

Got denied last time and just denied again ughhh!

Moe
Moe

Was declined for the card due to too many recent cc inquiries. I had 9 inquiries in past 3 months. When do you think I can reapply?

Electroman
Electroman

no more than 6 pulls in 6 months is what they usually want, so you may have to wait a few months.

Moe
Moe

Thanks! Is this only Citi? Or all banks?

Abey
Abey

Only Citi

Moe
Moe

Thanks! Any idea about AMEX and BOA?

JL
JL

Went to further processing…Should I wait it out or call in to offer move credit line from another card? Thanks for your advice here.

Logan
Logan

I always call, just dont mention the bonus or any other card you have with them. Even if they say specifically “you dont qualify for this bonus but I can approve you”, ignore them and accept it. This isn’t enforced by a CSR, its enforced by the system unless manually reviewed and CSR does not typically do this. GL

Abey
Abey

Well said. And this is very true.

JL
JL

Update: Called, shifted credit line, approved.
No mention of 24 months in any context.
Thanks!

Curmudgeon
Curmudgeon

Woo! AA card #3 approved. Application went pending, then got a text saying to call them. Ignoring the “do not call” advice I did, since my past experience has been that when this happens I am approved, but need to move credit lines around.

A few minutes later, new card approved!

I need to start closing Citi accounts otherwise I’m going to end up with 45 accounts with $1000 limits…

dan
dan

45 accts, funny…

Abey
Abey

Im in dielama. What should i go for this Citi card again or the SPG business? (which i never had)
So its 53K AA miles after $3K spend vs 43K SPG after 8K spend.

Bryan
Bryan

Keep in mind MS limitations with Amex…

Ed
Ed

100% agree to proceed with caution with AMEX for those planning to actively MS. I am eligible for the SPG but am backing off for this very reason, it also doesn’t help that the larger major purchases I make are from vendors who only take VISA/MC.

Bryan
Bryan

One other thing to consider about not getting instant approval is that Citi usually just needs to confirm details, or shift credit. I have had to call for every Citi card I’ve applied for in the past 2+ years. Always just to shift credit

Drew R
Drew R

Applied last month and Citi gave me a legendary $1,500 limit. On the same day, Barclays gave me $11,000. I’m thinking Citi doesn’t like me much and my chances of approval for another are slim.

Anybody ever apply for two of these within a couple months with a super low limit and still get approved?

Brandon
Brandon

I’ve been approved for two AA platinum cards in January with 1.5k limits each. But that was after reducing my credit lines in between the two apps. I’d recommend reducing at least 2k total before applying again.

kkkk
kkkk

Applied personal and business card today. Personal card approved instantly, business card went to pending.

Will wait for the result

Abey
Abey

Love this online comment:

If Citi didn’t have the 2/65 rule I’d just live on an airplane.

😂😆😂

William Charles

Haha

JK
JK

I was recently approved for the bus version and have seen lot of DPs of people getting approved for both Regular and Business AA cards however have not seen any DPs about folks getting the bonus. Has anyone gotten the bonus?

Glenn
Glenn

The obvious warning… When the Citi Exec card with the 100k AA bonus became rapidly churnable back in 2014 it presaged the obvious–AA was going to devalue. They did. SAAver level inventory is near zero now. Just imagine what is going to happen going forward. Take that into account.

William Charles

Yeah, you might as well still get the cards though as Citi doesn’t have anything else of interest ATM in my opinion.

WM
WM

Question–can or should I close my open Citi AA card before applying for this to free up credit (was approved only after shifting credit)? Or should I keep it open and apply anyway–and shift credit again if necessary?

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