Who Else Wants To Apply For Citi AAdvantage Personal Credit Cards?

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Some folks used to apply for a new Citi personal AAdvantage credit card every 65 days in 2008 and get a new sign-up bonus each time!

 

Churn Citi AAdvantage Credit Cards

Citi probably realized that this wasn’t the most profitable way to run a credit card business, and added language in the offer terms & conditions which restricted the bonus to first time Citi AAdvantage applicants only.

However, there are reports online of folks getting approved for new Citi personal AAdvantage cards 12 to 18 months from their last application date!

The discussion on FlyerTalk and MilePoint suggest that it doesn’t seem to matter if you have cancelled your card or if you still have your Citi AAdvantage card with you, as long as you’ve waited 18 months or more since you were approved for your last personal Citi AAdvantage card.

For example, MilePoint member miles and smiles wrote that he had success with getting another Citi personal card 17 months after his last successful Citi AAdvantage application, despite not cancelling his previous AAdvantange card.

On the other hand, a blog reader wrote in to say that she was denied for the Citi personal AAdvantage cards when she applied again 13 months after her last successful Citi AAdvantage application.

And I have been denied a new bonus when I reapplied 16 months after my last application.

So 13 months may be to soon, and 17+ months may be the sweet spot!

My Personal Experience

I was curious to see if I could get another round of bonuses since my last successful application was in September 2009 (22 months ago).

Well, yesterday night, I used the 2-browser trick to apply for the 75,000 bonus mile personal Citi Visa card with a $1,5000 spending requirement and the 75,000 bonus mile personal Citi American Express AAdvantage card with a $4,000 spending requirement within the first 6 months.

I was approved for BOTH cards with a $12,000 limit each.

 

Churn Citi AAdvantage Credit Cards

Yippee!

I love doing research for the blog. ;)

My Previous Application Details

  • September 2009: I applied successfully for a Citi AAdvantage MasterCard and American Express personal credit card with  30,000 bonus miles each.
  • January 2010: I reapplied for personal Citi AAdvantage cards  (4 months since my last application), but was denied.
  • December 2010: I cancelled both the above cards (15 months since application).
  • January 2011: I reapplied for personal Citi AAdvantage cards  (16  month since my last application), but was denied.
  • July 2011: Success I reapplied for 2 personal Citi AAdvantage cards  (22  months since my last application), and was approved!

Bottom Line:

You may be able to get another round of bonuses on the Citi AAdvantage personal cards if it has been at least 18 months since your last successful application.

If you can’t remember when you last applied for a Citi AAdvantage  personal credit card, you can check your credit report (make sure to check the credit report from all 3 agencies) to see when you opened your last AAdvantage credit card.

If you do decide to apply for another personal Citi AAdvantage credit card, use the 2-browser trick to apply for both the Visa and American Express versions at the same time and get 150,000 AAdvantage miles to have Big Travel with Small Money!

150,000 AAdvantage miles is enough for 6 domestic US tickets on American Airlines or a First Class ticket to almost anywhere in the world on some of the best airlines such as Cathay Pacific, British Airways, or Qantas.

You should also remember that Citi is very inconsistent in approving credit cards and providing additional bonuses, so I urge you to do your own research before applying for another round of personal Citi AAdvantage cards.  Your experience may differ from mine!

The reports on FlyerTalk, MilePoint, and my personal experience yesterday, suggests that you may be able to get another round of Citi bonuses 18 months after your last successful application.

If you decide to apply again please let us know how it goes in the comments!

* If you liked this post, why don’t you  sign-up to receive free blog posts in your email (only 1 email per day!) or in a  RSS reader …because then you’ll never miss another update on  credit cards!

Related Posts:

Disclosure: You should know that I have just been approved for 2 personal Citi AAdvantage credit cards and so I now have a banking relationship with Citi.

However, I don’t get any commission or payment from Citi or anyone else for this post or for the links in this post.  In the interest of full disclosure,  I do own negligible amounts of Citibank stock.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

127 Responses to Who Else Wants To Apply For Citi AAdvantage Personal Credit Cards?

  1. Hey Darius- I got the AA signature visa almost a year ago for the 75k bonus (but sadly didn’t use the two browser trick) and I’d like to convert to another citi card with no fee to avoid the annual. Do you think they would let me convert the credit line to the citi AA business while getting the 50k bonus and admiral club passes promo, and if so, any thoughts as to phone call strategy? Could this avoid a credit hit if I am not asking for additional credit? For what it is worth, I actually do have a legitimate profitable side business that I would like a card for.
    Thanks. You da man.
    Doug

  2. @zzd – In my experience, you don’t get the bonus when you transfer from card to another, and I don’t know if they will transfer a personal card to a business card. But it doesn’t hurt to call and ask! You may be able to get the fee waived or additional points if you call and ask to cancel the card.

  3. Hi.
    Do you know Citi ‘s credit card policy? I heard that Chase doesn’t accept people who get rejected within 6 months.
    I have 750 credit card score and never rejected except by Citi. I applied in August and now started to think of applying some card with Citi. Do i need 6 months after the rejection?

    Thank you.

  4. I’m a current Citi AAdvantage MasterCard holder… I have been since I was a teenager when my mom made me sign up. So I haven’t applied for a new card in well over 18 months… however, I did lose my card about a year ago and had to order a new card. Do you think this will prevent me from collecting the bonus if I sign up for the Citi AA Visa?

  5. When you say you can reapply for Citi cards after 18 months, is that 18 months after opening the account or 18 months after closing the account?

    Thanks for a great blog,

    Rod

  6. @Rod Newton – It is 18 months after being approved for the Citi personal cards, so 18 months since your application. Hope this helps!

  7. Hi Daraius –

    Great website! I recently was denied a Citi AAdvantage Amex, and I was hoping you might have advice on how I could negotiate with the reconsideration line.

    I already have a Citi AAdvantage Visa, and received the bonus promotion for it. I opened it two months ago, and applied for the Amex last week. I was subsequently denied. Yes, I’m kicking myself because I should have waited the 18 months between applications. But I only found your website yesterday. I’ve got solid credit and have paid all the bills on the Visa on time. Any thoughts on how I might be able to salvage the Amex application and receive the bonus?

    Thanks in advance! – Alex

  8. @Alex – Unfortunately, you can almost never get them to reconsider if you’ve been denied for having the card previously. You’ll have to wait for 18+ months to reapply for both.

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  10. Hi Darius, thanks for your response. It’s been quite some time and I would like to follow up and see if you were able to churn on the Citi AA Business after 90+ days? Also any luck on churning the Citi AA Personal Visa & Amex? Thanks very much again for all the great posts. Happy churning :)

  11. @Docomo – I actually haven’t tried again!

  12. Thanks Darius, please let us know your results when you try to churn next time, will be interested to see if we can still churn the Citi cards, thank.

  13. @Docomo – Emily just got approved for 2 more Citi AA cards, but it has been 18+ months since she was last approved for them.

  14. Hi, I’m confused on this. So If I got the personal AA Visa last November, can I apply for the personal AMEX, personal MasterCard, business Visa, and business MasterCard. Aren’t these all considered different products?

  15. I was approved for another pair of AAdvantage cards and now have a total of 4 open. In 18 months I’d like to apply again — do I need to cancel any of the previous cards or will they allow 6 open?

  16. @Mike – You can get the business card since you didn’t have it before, but will likely be denied for the personal card (until 18 or more months since last November) since you already have it.

    @BigTex – I suspect you may need to cancel some cards because you could be hitting the maximum credit available to you from Citi.

  17. Daraius,

    I previously had a 75K card, applied for about 20 months ago, with account closed by me 6 months ago.

    I applied for both 50K Citi Cards using the two browser trick, with the links on your blog. The web applications gave me a “further processing required” message.

    Yesterday, I received in the mail two rejection letters each stating that the reason for being turned down was not that the 50k offer is over, but rather: “This specific offer is valid only for first-time Citi / AAdvantage cardmembers. Our records indicate that you previously had a Citi / AAdvantage account with us.”

    You blog mentions that non first-time cardmembers may get the 50k offer.

    Did I use the wrong link?

    Is there a specific link for NON “first-time cardmembers”???

    Thanks for all the info!

    Andrew

  18. d0oes it matter the order if you do business 50k and then personal amex/visa 50k x2, or the other way around so that you can still get the bonuses? I’ve seen references to personal x2 then business a few months later but not the other way around.

  19. I have had the citi aadvantage visa for about 18 months -got the 75K bonus (and also miraculously won 100K in a citi aadvantage promo last year!!!!!!!!!!!!!!) and I’m about ready to try this churn thing…. just got my first house and mortgage taken care of (covering my bases haha) so I’d like to rack up some miles. My credit score is in the 790’s, so this should be interesting.

    I did call to cancel my first card 6 months ago and got a bonus offer of 3x/dollar up to 10,000 miles – got that quickly so I’m ready to move on.

    Question: Do I need to cancel my aadvantage card first? I have another citi card I have had for over 10 years with a low interest rate.

  20. @webazoid – It doesn’t matter which order you do it, but I suspect that folks are eager to get 100K miles first and then get the extra 50K instead of staring with 50K first.

    @Christina
    – You don’t necessarily have to cancel the card, but it could help if you’re bumping against the maximum credit which Citi will grant you. It is usually 18+ months since your last approval for the Citi personal cards, so I’d wait 20 months to be safe. Good luck!

  21. Darius, I hear that you need to wait 90 days (after cancellation) to churn the business cards, and even then it may not work. Do you have personal experience?

    I suspect that fact that I had a Citi MC (opened in 2009) and now they offer a Visa card, could help? In looking at FlyerTalk there seem to be several opinions.

  22. @Jay – I haven’t tried the business card as yet, but the last time I waited 5 months and applied with a new business name and it worked.

  23. Does approval for the card mean that you will get the bonus points? It takes a bit of planning and work to reach the spending minimums. I’ve had various Citi cards over the years (I still have one active) and don’t want to waste my time if they aren’t going to award the miles.

  24. Hi Darius,

    I tried applying for two visa AAdvantage cards with the two browser method. First was instantly approved and the second gave me a wait message. So, I called Citi, and the rep. told me that my first app. was approved, but my second was denied because I had already applied for that card. So, I guess YMMV and I didn’t get lucky. Anyway to recon that second decision? Also, is it too late to apply for the Amex since I applied on Saturday afternoon for the card?

  25. @SKM – If you get the cards in the mail, you almost certainly get the miles, but ymmv.

    @Josh – I’d write a letter to their executive office and ask to be reconsidered.

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  27. FYI, looks like YMMV for the churn.
    previously had 2 personal AA Citi Amex cards, one applied for in 2007 and one in 2012. Currently have AA Citi Bus Visa card. Waited 19months since my last successful personal application and yesterday applied for 50K personal AA Citi Visa, it was pending and offered live chat to speak with one of the reps. i spoke with a rep who just asked me to reconfirm some things abt my identity, in the morning i got an email that i am rejected – “this specific offer is valid only for first-time Citi(R)/AAdvantage(R) cardmembers. Our records indicate that you previously had a Citi(R)/AAdvantage(R) account with us”.

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