230,000 American Miles From 4 Credit Cards (And You Can Get All 4)

I receive compensation for content and 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).

Last year American disclosed they were below expected credit card signups. Ever since then we’ve seen bigger signup bonuses to get consumer attention.

In fact we haven’t seen bigger offers for some of these cards in many years (and the 75,000 and 100,000 mile bonuses from 2010 were targeted even though many of us were able to sign up for them).

They have two different banks issuing cards in the U.S. They both offer a personal and a business card.

What’s notable is that when Citibank runs a limited-time offer it’s usually a 50,000 mile signup bonus.
This time they’ve upped the ante to 60,000 points on the personal card (which they’ve only done a couple times before) and to 70,000 points on the small business card (which I’ve never seen before). I do not know how long it will be available, but these are great offers to jump on.

The personal and business cards from Citibank both have big offers and a $0 annual fee the first year.

The personal and business cards from Barclays charge you an annual fee, have lower bonuses, but don’t have minimum spend to earn the points.

I find that availability on American’s own flights is limited (though better than a year ago). Over the past several years I’ve redeemed my American miles more than any other currency for long haul travel in first class on Cathay Pacific, Qantas, Etihad, and more. I almost always use the miles for partner airline travel.

Cathay Pacific First Class

Etihad First Apartment

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.

It is possible to get both the Barclays personal and small business card. And these are separate from the Citibank cards so you can have all four.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

More articles by Gary Leff »

Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. Out of curiosity, the ones who may have applied and enjoyed these bonuses already, what strategies are being used to re-apply for these cards over few years of closing some accounts ?

  2. I’m curious about this too. I have 2 Citi AA cards now (personal & biz) and used to have a Barclays card (but it might have been US Air).

    Any advice on what my strategy should be?

Leave a Reply

Your email address will not be published. Required fields are marked *