I receive compensation for many links on this blog. You don’t have to use these links, but I am grateful to you if you do. American Express, Citibank, Chase, Capital One and other banks are advertising partners of this site. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same).
Competition is great, I love that there are two different banks issuing American Airlines credit cards. It seems that when one increases its signup bonus a little while later another one does too. They’re offering more and more miles to compete for the attention of customers.
Citibank has two bigger offers than we’ve seen in a long time for their AAdvantage cards.
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®: 60,000 mile initial bonus after spending $3,000 within the first 3 months of account opening. This card has a $0 annual fee the first year (then $99).
CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®: 70,000 mile initial bonus after spending $4,000 within the first 4 months of account opening. This card has a $0 annual fee the first year (then $95).
These offers come out as they’ve also launched new benefits on the personal card: 2 points per dollar at restaurants and gas stations and an annual $100 American Airlines flight discount after $20,000 spend within a year provided after card renewal.
The two primary reasons you want these cards are:
- The bonus miles. American miles are fantastic for partner award redemptions, with big fuel surcharges only on British Airways redemptions. I use mine for first class awards on Etihad (great availability, ring Australia or UK to book), Cathay Pacific (better access to seats than through Alaska), and Japan Airlines (amazing availability close to travel).
- The benefits. If you fly American but not enough to earn elite status, e.g. if you live in Dallas, Miami, Los Angeles, Chicago, Phoenix, Charlotte, then it’s great to board early and not have to gate check bags and to have free checked bags — even on basic economy fares.
As for the miles I always prefer using mine on American’s airline partners rather than on American itself.
Cathay Pacific First Class
Personally I have the $450 annual fee Citi® / AAdvantage® Executive World Elite™ Mastercard® and put $40,000 of spend on it each year earning 10,000 elite qualifying miles along the way. That card comes with American Airlines Club membership — and it offers authorized user cards at no additional annual fee, each one getting club access as well.
Citibank doesn’t seem to have a hard limit on the number of their cards you can have though of course how much credit they’ll make available for each person will vary. After you apply for one card in my experience they’ll consider another application from you 8 days later, but you can’t apply for more than 2 cards in 65 days.
Generally Citi will give you the bonus on a new card account if you haven’t opened or closed a card in that product’s family in the past 24 months. For this purpose the personal and business cards are separate, it is possible to earn the bonus for both a personal and a small business card.