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-Ending this afternoon, the Citi AAdvantage Consumer Mastercard and Citi AAdvantage Business Mastercard are offering 50K AA miles for spending $3,000 in 3 months. The Citi AAdvantage Executive Mastercard also offers 50K AA miles for spending $5,000 in 3 months.
The AAdvantage consumer and business cards have their $95 annual fee waived for the first year. They both offer priority boarding and a free checked bag for you and 4 companions. The consumer card also offers a 10% rebate of miles spent on award tickets-up to 10K miles rebated per year.
All 3 cards have no foreign transaction fees.
The AAdvantage Executive card has a $450 annual fee, but that includes an Admirals Club membership. Additional cardholders are free and they can also can access AA lounges and bring in their own guests or families for free as well. You don’t need to be flying on American to access the lounge with this card.
The Executive card offers priority checking, security, boarding, and you and 8 companions can bring a free checked bag. If you spend $40K on the card in a calendar year you’ll get 10,000 bonus elite qualifying miles.
The Executive card also offers free Global Entry or Pre-Check membership.
There’s no limited time offer for the Citi Hilton Reserve card, but it’s a great card as it which gives 2 free nights at any Hilton in the world, including the excellent Waldorf Astoria Jerusalem. It also gives Gold elite status for as long as you’re a cardholder, which gets you free breakfast, including the most over-the-top breakfast I’ve had in my life at the Waldorf Jerusalem. If you spend $40K/year you’ll get top-tier Diamond status, which gets confirmed room upgrades and space available suite upgrade at hotels like the Waldorf Astoria Jerusalem. This card has a $95 annual fee.
-Like no-annual fee cards but prefer cash over miles? The Citi Double Cash card offers 2% cash back on all purchases. There’s no signup bonus for the card, but if you want cold hard cash instead of miles it’s hard to top the earning value of this card.
There’s also 0% intro APR on Balance Transfers and Purchases for 15 months.
The Citi Premier card offers 40K ThankYou points for spending $3,000 in 3 month. The points are transferrable to airlines/hotels or 50K points can be used for a $400 gift card or $500 of travel purchases. If you also have a Citi Prestige card the points can be worth much more, as can be seen below.
The Premier card has very strong spend categories. It offers triple points for travel and gas and double points on dining and entertainment. The travel category on the Premier card includes airfare, car rentals, hotels, cruises, travel agencies, public transportation, boat rentals, taxis, tolls, parking, etc. Entertainment includes sporting events, amusement parks, tourist attractions, theater, concerts, movies, etc.
There are no foreign transaction fees and the $95 annual fee is waived for the first year. More info in this post.
-The Citi Prestige card offers 50K ThankYou points for spending $3,000 in 3 months for a limited time only. The points are transferrable to airlines/hotels or 50K points can be used for a $500 gift card, $665 of airline purchases, or $800 of travel on American or USAirways. More info in this post.
The Prestige card offers 3 points per dollar on airfare, hotels, and travel agencies, and double points on dining and entertainment. Note that the less expensive Premier card actually has better bonus categories.
There is a $450 annual fee. However the Prestige card comes packed with awesome benefits:
1. $250 annual air travel credit. No need to pick an airline. No need to buy a gift card. Just a straight credit for up to $250 of whatever you spend from any airline including tickets, bag fees, seat fees, etc. In your first cardmembership year you can get $250 back in 2015 and $250 back in 2016, which more than covers the annual fee.
2. Free American Admirals Club lounge access for you and your family or you and 2 guests when flying American.
3. Priority Pass lounge membership with free guest access for your family or 2 guests when flying any airline. Additional Prestige cardmembers are just $50 and they also get their own Priority Club lounge membership with free guest privileges. The Priority pass membership that comes with the AMEX Platinum card doesn’t include free guests access, so that’s a nice perk of this membership. Click here to search for lounges in airports across the world.
4. Global Entry or Pre-Check reimbursement. A 5 year Global Entry membership is normally $100 but will be free when paid with the Prestige card. Skip the lines when returning to the US and get Pre-Check included as well. Pre-Check allows you to keep your shoes and jacket on, skip the nude-o-scope, and leave your laptop in the bag. It makes traveling a whole lot easier.
5. A 4th night free on all paid hotel stays. When you make a hotel reservation of 4 or more nights you’ll get the 4th night of the reservation rebated back to your for free. The rates will be the same as on the hotel website and the rates do qualify for hotel elite status and points. Note that the 4th night of the stay will be the rebated night. In some cases the 4th night may cost significantly more or less than the rest of the nights, so always check to see the actual rate for each night. There is no limit to how many times you can take advantage of this offer. You need to use your Prestige card, but you get triple points for hotel spending, so that’s not a bad thing.
Several folks who have CitiGold accounts have gotten notices that their annual fee on the Prestige account has been adjusted down from $450 to just $350. CitiGold customers also get 15% bonus points on the Prestige card. Citigold checking is free for 2 months after which point you can downgrade to a free checking account or keep $50K in it, but benefits typically stay even after your downgrade. CitiGold customers can also signup for the card in-branch with the $350 fee, but the in-branch offer requires $15,000 in spending. If you have a CitiBusiness Preferred checking account you can get a personal CitiGold account for free. CitiBusiness Preferred requires you to maintain $15K in the account to waive the fees.
The advantage of having both the Premier and the Prestige cards:
When you have a Prestige card you can also redeem ThankYou points for 1.33 cents towards airfare or 1.6 cents towards airfare on American or USAirways. That means you can book $800 of free travel (and earn miles for the flights) with the 50K signup bonus if you would rather go down that route as opposed to transferring points into miles.
If you have both the Prestige and Premier cards all of your points will be able to be used at the 1.6 cents per point value towards American or USAirways airfare. From just the signup bonuses alone that’s at least $1,600 in free travel from the points plus $500 in free travel from the Prestige airline credit in your first cardmembership year.
The cheaper Premier card actually has better bonus categories including triple points on all travel expenses and on gas, but the Prestige card makes all of your ThankYou points worth more.
Getting more than one Citi card and repeat bonuses:
Citibank doesn’t generally allow 2BMs anymore, though some people have reported success. You can apply for one card, wait 8 days, and then apply for another Citi card. You would have to wait 60 days from the date of your first card application before you can apply for a 3rd Citi card and 60 days from the date of your second card application before you can apply for a 4th Citi card.
Most Citi card applications now require an 18 month waiting period from when you last had that exact card before you can get the signup bonus again.
Citi phone reconsideration (888-201-4523) can be tough if denied, but many people (myself included) have had great luck reconsidering via snail mail! Just write a short letter explaining why you want the card to: Mr. Ken Stork, Office of the President, PO Box 6000, Sioux Falls, SD 57117