Think You Don’t Qualify for a Citi American Airlines Bonus Because of Application Rules? You May Be Surprised!

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Think You Don’t Qualify for a Citi American Airlines Bonus Because of Application Rules?  You May Be Surprised!

JasminThink You Don’t Qualify for a Citi American Airlines Bonus Because of Application Rules?  You May Be Surprised!Million Mile Secrets Team

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Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

Jasmin:   I’ve learned from experience never to dismiss a deal or better sign-up bonus, even if my instinct tells me I won’t qualify.

Last year, there were improved offers on the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, much like there are now.  At the time, I already had the Citi AAdvantage Platinum Select card, so quickly assumed I wouldn’t be eligible for the CitiBusiness Platinum Select because of Citi’s strict application policies.

But then I recalled the CitiBusiness Platinum Select has its own rules.  So I applied and was approved for the card, even though I had a personal Citi American Airlines card opened less than a year prior.  And I earned a nice chunk of American Airlines miles, too.

I’ll remind you of the differences in rules for the Citi American Airlines personal and small business cards.  And how you might still qualify for a new bonus if you’ve already got a card open, or recently closed one.

Citi American Airlines Personal and Business Card Rules

Apply Here:   Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Our Review of the Citi AAdvantage Platinum Select Card

 

Apply Here:   CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Our Review of the CitiBusiness Aadvantage Platinum Select Card

 

Citi tightened its card application rules a couple of years ago.  Now, Citi will NOT let you earn the sign-up bonus from more than one personal card of the same “brand” within 24 months.

For example, if you’ve opened or closed the Citi® / AAdvantage® Executive World Elite™ Mastercard® in the past 24 months, you would NOT be eligible for the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® sign-up bonus.  Or vice versa.

The terms on the Citi AAdvantage Platinum Select card say:

60,000 American Airlines AAdvantage® bonus miles can be earned by new Citi® / AAdvantage® Platinum Select® card cardmembers approved through this offer.  American Airlines AAdvantage® bonus miles are not available if you have had any Citi® / AAdvantage® card (other than a CitiBusiness® / AAdvantage® card) opened or closed in the past 24 months.

So if you’ve opened or closed a personal Citi AAdvantage card in the past 24 months, you’re not eligible for the bonus on personal cards.  But you’re still eligible if you’ve opened or closed the CitiBusiness Platinum Select card in the same timeframe.

And the opposite is also true if you’re thinking of opening the CitiBusiness Platinum Select card.  You won’t qualify if you’ve opened or closed a CitiBusiness AAdvantage card in the past 24 months.  From the terms:

This card is not available if the business already has a CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® account.  Bonus miles and any additional special offer not available if you have had any CitiBusiness® / AAdvantage® account opened or closed in the past 24 months.

The terms for the CitiBusiness Platinum Select don’t exclude folks who have opened or closed a personal Citi AAdvantage card in the past 24 months.  That’s how I was able to get approved for the CitiBusiness Platinum Select even though I already had the Citi AAdvantage Platinum Select open!

The CitiBusiness AAdvantage Welcome Bonus Sure Helped a Lot in Getting Us 4 Business Class Tickets on Japan Airlines

To put it simply:

  • You can qualify for a personal Citi AAdvantage card even if you’ve opened or closed the business version in the past 24 months, and
  • You’re eligible for the CitiBusiness AAdvantage Platinum Select card even if you’ve opened or closed a personal version in the past 24 months

Keep in mind, to be approved for the CitiBusiness AAdvantage Platinum Select card, you’ll need a for-profit business.  But you don’t have to be a multi-million dollar corporation!  I’m eligible because, like many on the Million Mile Secrets team, I do some reselling on the side.  Here are ways you might qualify without even realizing it.

And remember, for a limited time, the Citi AAdvantage Platinum Select World Elite Mastercard bonus has been increased to 60,000 bonus American Airlines miles after you spend $3,000 on purchases in the first 3 months of account opening.  And the CitiBusiness AAdvantage Platinum Select World Mastercard comes with 70,000 bonus American Airlines miles after you spend $4,000 on purchases in the first 4 months of account opening.

It’s a great time to consider either card.  Unfortunately, I’m out of the running this time around, but you might be eligible!

Bottom Line

Citi’s application rules, which say you can’t earn the sign-up bonus from more than one personal card of the same “brand” within 24 months, make exceptions for business cards.

You can get approved for a personal Citi AAdvantage card, like the Citi AAdvantage Platinum Select World Elite Mastercard, even if you’ve opened or closed the CitiBusiness AAdvantage Platinum Select World Mastercard in the past 24 months.

And similarly, you’re eligible for the CitiBusiness AAdvantage Platinum Select World Mastercard even if you’ve opened or closed a personal Citi AAdvantage card in same timeframe.  That’s how I earned the bonus on the business version last year, even though I already had the Citi AAdvantage Platinum Select World Elite Mastercard.

It’s a good time to consider applying for either card, because for a limited time, the Citi AAdvantage Platinum Select World Elite Mastercard bonus has been increased to 60,000 bonus American Airlines miles after you spend $3,000 on purchases in the first 3 months of account opening.

And the CitiBusiness AAdvantage Platinum Select World Mastercard comes with 70,000 bonus American Airlines miles after you spend $4,000 on purchases in the first 4 months of account opening, also for a limited time.

Have you been able to earn both bonuses?  Let me know in the comments!

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I was approved for the 60k with 3k in spending over 3 months, but I was given a low limit. I can do this only if I am able to make payments before the statement processes. Do early payments go against you? Or is spend just “spend” and doesn’t matter what the statement balance is?

My plan is to alternate between Citi & Barclay with both business and personal cards. When the year is up on any of these cards, I ask for a retention offer, and if it’s good, keep the card a bit longer. That way it’s over 2 years before re-applying.

I have several businesses, and as I’m the sole proprietor, I use my Social Security # rather than an EIN – which prevents Citi from opening more than one business card at a time.

Applied for a AA biz last month(have an active AA per), the CSR confirmed that my app was not coded with any bonus.

I can confirm that the info here is INCORRECT/outdated.

“This card is not available if the business already has a CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® account. “

This includes any AA plat select account.

Author

Hi SK – That is very strange. It certainly doesn’t match with the terms and conditions on either card – I haven’t heard of anyone else having this experience. Did you call back or speak with a supervisor?

… a little confusing but interesting, or so I thought …:

About 4 weeks ago I got approved for the Business version of this card.

I kept seeing the ads for the personal version, so 2 weeks later I applied for that too. I got declined; reason: too many applications (I had several going with other banks as well).

So this morning, after seeing the ads again, I started an online chat with Citi, they refer me to the application hotline, I talk to them, and they approve me.

That doesn’t really make sense from the standpoint of the bank policy, but I guess it’s Father’s Day, so I got lucky.

The value of both these cards is, needless to mention, pretty much unbelievable:

Endless AA miles after minimum spend, and then they even waive the first years annual fee.

Hard to beat that!

Good luck, everyone, and thanks for letting me share this little weirdness today !!

Author

Thanks, Mark, for the data point. And congratulations on your approvals!

How nice of you, Jasmin.

Thank you.

So Mark did they say that you qualify for the opening bonus miles? Sometimes they will approve but you find out in the letter you receive there is no mention of the bonus.

Hi Gary,

I guess that’s a key question …

They did say I qualify.

I’m a little surprised myself.

I did find, though, that they may have a mistake in their system:

When I spoke to them on the phone, they did not mention the recent AA BIZ card application, but did mention a much older one. … mysterious …

Might work to my advantage if I get lucky …

Okay, so I already have the platinum personal card. It is almost 3 years old. If I product change it to the gold, will I be eligible to pick up the platinum again? I’d love to do another platinum and a business!

Author

Hi Steve – I don’t have personal experience, but the last time we checked with Citi they said a product change would not “restart the clock” so long as the account number stays the same:

https://millionmilesecrets.com/2017/10/15/citi-product-change-sign-up-bonus/

I’d probably give them a call to double check your specific situation. Please report back if you can, thanks!

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