Getting My Third Citi Executive AAdvantage 100k Offer

by on June 17, 2014 · 101 comments

in American, Citi

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Edit: This offer seems to be in the process of getting pulled- check out this post for a new link that may work

This past Friday I was approved for my third Citi Exectuive AAdvantage World Elite Mastercard, which will get me another 100,000 AA miles after $10,000 spent within the first 3 months. I got my first card in October 2013 and second in March 2014 and I applied for this most recent one 93 days after the last application. At first the application went into pending status and about a week later I got an automatic email that it was approved. I could have called to expedite the process, but wanted to see if it would get approved automatically and it did.

Citi has upped the offer to 100,000 miles.

The 100,000 mile offer is still available through Citi.

Here are the full offer details that are still currently available:

  • Apply now, get the card and earn 100,000 AAdvantage bonus miles after making $10,000 in purchases within the first 3 months of cardmembership. Also, earn up to $200 in statement credits — earn $1 in statement credits for each $1 spent on purchases within the first 12 months of cardmembership.
  • Elevate the way you travel with these luxury benefits: Admirals Club membership (a membership value of up to $475)
  • Earn 10,000 Elite Qualifying Miles after spending $40,000 in purchases each calendar year
  • No foreign transaction fees on purchases
  • Earn two AAdvantage miles per $1 spent on eligible American Airlines purchases, including US Airways codeshare flights booked on
  • Priority Boarding and 25% savings on eligible in-flight purchases
  • Your first eligible checked bag is free
  • SmartChip technology
  • Expert Concierge Service
  • $450 Annual Fee

Multiple EQM Bonuses?
My gut tells me that Citi/AA cap the max EQMs earned per AAdvantage account from credit card spend to 10,000, though I’d be interested to hear if anyone has gotten multiple EQM bonuses. Update: Per reader comments it appears that AA does cap the EQMs earned to 10,000 per account, regardless of how many Executive AAdvantage cards you have. That being said, you don’t need to spend $40,000 on one card- if you had three of these cards, you could hit the $10,000 for the sign-up and then you’d only need an additional $10,000 in spend to get the EQMs.

Day to Day Spend After Hitting the Sign-up Bonus Threshold
I don’t use the card for non-AA purchases, because the SPG Amex earns 1 Starpoint per dollar spent and those points transfer to AA at a 25% bonus (20,000 Starpoints = 25,000 American miles) so it is a better option- plus you can transfer the miles to 30 other airline partners or use them for hotels.

To read more about this offer check out this post. Has anyone gotten more than three cards?!

Disclaimer: The responses below 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.

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  • Urbanist

    Are you signing up, spending the $10k, cancelling and then re-applying?

  • SeaBee3

    The 10K EQM for $40K is across any cards you have. So, by spending the $10K on each card for the bonus, you are only $10K away (on any of the three cards) from getting the 10K EQM.

  • Have Child, Still Travel

    Yes…did you cancel before you reapplied? I would be so scared to do this…have to pay the $450 annual fee and then end up not getting the bonus miles.

  • Kristen

    I have an open Citi AA card (not the Executive one) that I got 2 years ago, when the annual fee came due I called and then changed it to a card level with no fee. Can I apply for this card and get the sign up 100k bonus? Or will they not give it to me since I already have one open?

    I have no balance on the card and I am new to this rewards/travel hacking game. Thanks for any input!

  • Geoff

    Per AA application for the card…”A primary cardmember may earn the 10,000 EQMs only one time in a calendar year, even if the primary cardmember has more than one Citi Executive℠® / AAdvantage® card. EQMs earned as a result of this offer will be posted to the primary cardmember’s American Airlines AAdvantage® program account 6–8 weeks after meeting the $40,000 purchase requirement.”

  • Jumus

    You mean ” second in March 2014″ right ?

  • thepointsguy

    Nope- all three are open and active

  • thepointsguy

    Good to know!

  • FlavCity

    The gift that keeps on giving! Good job TPG! Applying 3 times with same info? Not using a tax id, only ur SSN every time?

  • Anthony Thomas

    until September/October 2014 at least ;)?

  • Tom E

    Just got #4

  • sparky08

    i am worried about adversely impacting my credit rating with so many card applications.
    How long should one wait between applications?
    How long before my credit score returns to pre application status?

  • Jake Kooker

    Personal and Business are different card types. My recommendation is to do what I’ve just done: change your card to a non aadvantage type (you can do this, they just don’t advertise it; I signed up for a no-fee hilton), and in a few months reapply for the personal 50K sign up bonus. Also, this 100K should work. Citi will give you new sign up bonuses once they no longer consider you a customer for that line of card.

  • Jake Kooker

    Per FICO, your credit inquiries will show up on the report for 2 years, but only are calculated into your score within the last year. And more often than not, they will only check with one credit agency (particularly with CCs), so it doesn’t necessarily hurt your score. How long it takes depends on your credit history and usage. The bigger danger is closing an account, but the few points you might lose would absolutely be work $3-4K in points.

  • Sarah Luk

    I did my 10k spend (on my second AAdvantage executive card) in less than 30 days, waited for my points to post after my first statement, then canceled the card and didn’t have to pay the annual fee. Just sayin.

  • Spencer Ogden

    Is one under your name, another wife’s and then the third is …? Not understanding how you can have 3 of the same card open.

  • thepointsguy

    All under my name and same AAdvantage account

  • Sam

    Do you have to pay the $450 annual fee for each card?

  • thepointsguy

    Yes but with the statement credits and a whopping 100k miles, it is a no brainer and I’ll only keep one longterm

  • Raphael

    Thanks for sharing. Does anyone know whether the extra 10,000 EQM is redeemable or only counted for elite status?

  • acemason

    Are EQM’s only used for obtaining status? You can’t actually use those 10,000 EQM’s as miles to fly right?

  • Manny Pagan

    I’m on my third Citi AA Elite and my wife just got her third today. This is an amazing run while it lasts. No hassles or issue on the application, approval, or points posting.

  • Ricardo

    TPG: do you know if this works as well for the BA card? They’re just offering 50K sign-up miles now but the annual fee is lower at $95.

  • thepointsguy

    Only elite status

  • Martin

    How the heck do you spend $10,000 within 30 days? You buy gift cards or something? Even that you still have to pay some $5-6 per gift card.

  • Martin

    How do you avoid paying the annual fee?

  • LAKnight

    I don’t lie… It is hard for me to spend $10,000 within 30 days, even if I use AMEX BlueBird and load it with Visa Gift Card from CVS.

    Anyway, good job! (applauding…) :)

  • Manny Pagan

    I’m very fortunate to meet the spend with personal and business expenditures. My manufactured spend was decimated when CVS decided to debit/cash only on vanilla reloads, so now I’m stuck with legit spend.

  • thepointsguy

    Yes you would be eligible- just make sure you can spend the $10k within 3 months to get the 100k miles

  • thepointsguy


  • thepointsguy

    Thanks- I updated the post to avoid confusion

  • thepointsguy

    Only for status

  • thepointsguy

    Same exact info and all three are currently still open

  • thepointsguy

    Nope- all three are open and the bonuses have posted reliably

  • Jon M.

    Not sure if it posted already, but I was wondering if having a AA Platinum 50k offer card open since September would not allow me to qualify for this bonus. I know there’s the rule of 18 months, but I wasn’t sure if since it sounds like you are getting it within a couple months lol. Any advice?? Thanks!

  • scott

    My wife and I got 3 of those between us. The $30K spend on the AA cards plus the $20K I needed to spend on the 100K BA offer from Nov. wore me out(this in addition to several other smaller minimum spends I had to do at the same time). If this AA offer is still around in July I may apply for our 4th. Good luck.

  • Jeff

    Does anybody know when or have a guess when this promotion will end? Thanks in advance.

  • Traderlatino

    Are you planning to keep them open and pay $1350 in fees a year?

  • AD

    Did you apply for any other cards the same day you applied for your third Citi Exec card?

  • JPO

    How soon is the annual fee due? And is it paid all at once?

  • Cheapblackdad

    In the words of the guy from 300: “This is madness!”

    There must be a massive devaluation on its way.

  • ten60

    How does that work as the site information states

    1 This Citi® / AAdvantage® card offer is only valid for new applicants for a Citi® / AAdvantage® account applied for pursuant to this offer and is not available to existing cardmembers or recent applicants for a Citi® / AAdvantage® credit card.

  • q

    my card already got charged with annual fee, i was wondering if they will prorate this after cancelling it?

  • Brian C. Lee

    When they merge the AA & US FF programs, there’s going to be a devaluation of some kind, anyway.

  • thepointsguy

    Sometimes what is written isn’t always what happens in reality

  • thepointsguy

    Yes they should

  • fenice420

    Great Job!

    Do you have to get a new AA frequent flier number each time when applying for a new card? Or you can keep using the same one all the time?

    Thanks a lot.

  • Steve

    Yup, you can apply. Different cards.

  • Chris

    I’ve used the same frequent flyer number on all three of my applications.

  • Chris

    They wouldn’t for me. Said I had to cancel within 37 days of the annual fee being charged on the statement. They don’t offer proration, all or none.

  • fenice420

    Cool, thanks a lot.

  • lz80521

    4th set of 100k miles has been posted for me. 10k EQM was posted as well, so 40k across all citi exec cards will count. Won’t do 5th in near future (too many HPs in first half of this year).

  • Stone

    Brian, can you please elaborate? When you apply for the 3rd card and call Citi, do they not see that you already have 2 of the exact same card? or what steps do you have to do before applying for a 2nd or 3rd? thanks

  • MYRflyer

    Martin very easy to do with two bluebird accts. 4.95 x 20 = 99.00 in gc fees. I’ll pay 99.00 for 110,000 AA miles + 200 statement credit anytime!

  • Krupa

    In what time frame do you have to spend 10K (I know it’s 3 months for the bonus) and still be able to cancel the card without getting charged the $450 annual fee?

  • Sean Hall

    Sorry for being overly simplistic, but I have this card, met the requirements, got the points. So, should I cancel it, wait 93 days (or something) to get it again?

  • Urbanist

    You’re paying $1350 once and grabbing 300,000 (or more) AAdvantage miles. I’d say that cost is well worth the mileage!

  • Urbanist

    That’s correct. I tried to cancel my first one after hitting the $10,000 spend limit, but they said they wouldn’t prorate the fee. That’s the way it reads in the contract as well.

  • DL

    I was thinking what ten60 said as well. I may give it another shot for my 2nd card. Thanks!

  • Bob

    I am traveling to Shanghai for my wedding and I purchased a regular economy ticket. I am allowed two checked bags. I also have the this credit card. Would I be allowed a free third checked bag with the card? Regular ticket gets 2 bags + credit card gives you 1 bag = 3 bags?

  • Bob

    I’m personally on my 5th one currently and between myself, my wife, and my sister we have collectively went through 11 of these cards, all of which are cancelled except for one of mine that eventually plan to keep.

    Not sure how soon a devaluation may come. Nevertheless me and my entire family is booked to go from Chicago to India on Etihad First Class later this year thanks to this!

  • Bob

    Also the $450 annual fee was always refunded on cancelling each of the cards.

  • Bob

    Do you wait for the bill to come before you pay off the bill and cancel?

    Or can you apply day 1, get the card day 7, spend day 8, pay it off when it gets posted day 11, and cancel by day 15?

    I noticed with my first card I got the first statement on day 3 before I even go the bill. Meaning I wouldnt get the second statement until day 33.

  • LV

    How long after opening did you end up canceling each card? Just curious if there is a limitation to how much of the annual fee one would be refunded…

  • Bob

    I wait for the statement to post after 10k has been spent, with the points posting to AA, the $450 annual fee added on balance, and also the $200 statement credit. About a week or so after that I call to cancel. Also I make sure there is a balance on the card of exactly $450 during the time of cancelling so that it zeroes out.

  • Bob

    Do you give any reason for canceling the card?

  • scott

    I was so happy to be done with the spending on the 3rd AA card and to take a break. But I couldn’t resist after reading your post and I just got approved for a 4th. They gave me a higher credit limit on this one than the other 3!

  • Mike

    Do you have to have all cards open at the same time to get the 10,000 EQM points based on spending across multiple cards? So, if I were to sign up for one, spend the $10k required, cancel before the annual fee, and then sign up for another one later on, does that original $10k spent on the first card still apply towards the $40k requirement?

  • jack

    Thank you TPG. You just killed it!!!!!

  • Traderlatino

    Can you explain how you do it? Thanks!!!!

  • scott

    There’s a $200 statement credit for each, so 3 cards is only $750.

  • Guest

    I had no idea the $450 fee was refundable. I’ve had my card about 7 months. Do you think it’s still eligible for a refund?

  • Bob

    According to a Flyertalk thread, it should be done within 37 days of the $450 annual fee being posted. When cancelling, I just stay vague and come up with something like “I had a traveling job where I thought I’d need this for travel benefits but no longer am in that job”

    Theres a Flyertalk forum where people discuss doing the cancelling by a email where it gets closed without even needing to speak to anyone, but I haven’t tried that yet.

  • billy

    But doesnt Citi see all GC purchases as Cash advance anyway?

    Is manufactured spend even doable on this card?

  • Brett Hyman

    Do you put in exactly the same address and other information every time you sign up?

  • jaywooo

    So I’m curious, Brian… I have an offer on my desk for the 50K signup bonus AA Citi Platinum Card, with waived annual first year fee. Is the extra 50K mileage on the Executive card (this post) worth the $450 annual fee? Does the $200 statement credit mitigate that, and help? If you had to choose (with minimum spend not being a consideration), which would you pick?

  • Joey

    “Update: Per reader comments it appears that AA does cap the EQMs earned to 10,000 per account, regardless of how many Executive AAdvantage cards you have. That being said, you don’t need to spend $40,000 on one card- if you had three of these cards, you could hit the $10,000 for the sign-up and then you’d only need an additional $10,000 in spend to get the EQMs.”

    Stated this way, you are saying that with 3 cards one could spend $10K, $10K, and $20K, to get the 300K miles + 10K EQMs.

    I would expect that one would need to spend $40K on a single card, rather than spread out over all 3 cards (for a total of $40K+$10K+$10K to clear everything.)

    And to respond to another post in the comments, AA already had a massive devaluation earlier this year… I tremble at the thought of another…

  • CH

    What referral code can I use?

  • kavin

    Just got my third card this year. Waited 61 days between applications. My wife just got her second. 500k aa miles since January.

  • LarryInNYC

    Based on the vendor, not the product. So, purchased from a pharmacy, they are not seen as Cash Advance. When purchased from a bank or “financial institution”, yes.

  • mkny

    so you did not cancel the earlier one’s before reapplying?

  • ccory

    If you cancel your card do you still get to keep your Admirals Club membership for the year? Or do they terminate your membership when you cancel the card?

  • jtgray

    Just got approved for the 2nd one! Wish me luck spending $10k!

  • scooter

    Since it’s against the terms and conditions of the card, could AA or Citibank revoke the miles?

  • Josh

    If you they had rejected your application, you’d have called for reconsideration. I’m facing this now. What would you say when they asked why you wanted ANOTHER of the same card you already have? Is there a good answer there? Preparing for my reconsideration call. Thanks!

  • HoKo

    Thoughts on this:

    1. Open each card linked to different AA FF # (lets say 4 different cards – just as an example)
    2. Hit 40K spend on each card
    3. Theoretically you now have 10K EQM’s on each dif AA FF # (so 40K RQM’s spread across 4 different accounts)
    4. Call AA and have them merge all accounts into master and in theory those EQM’s should all be additive now?

  • davidcaitpe

    I am willing to try getting this Citi Executive AAdvantage offer but after reading it was becoming more and more difficult to load a Bluebird card with gift cards (aiming to use this technique for the $10k spending), I went yesterday to two Walmart centers (in Dallas, TX) and failed to reload my Bluebird card (I tried at the kiosk, cashier and customer service).
    I was told several times using gift cards (even if they are debit cards) was not possible as they are now identified by their system as credit cards.
    1) how do you manage to load your Bluebird card?
    2) what other method do you suggest for meeting the $10k requirement by paying the mortgage…

    Thanks in advance for your advice!

  • greengyrl26

    In your opinion….would it be better to open this card right now, or the Southwest Airlines credit card? I’m not sure if the companion pass bonus is still going on for SW. So don’t know if I should go for the Southwest one now or this one? Thanks for any advice!

  • dolphanphan

    PointsGuy, my husband is a former Citi gold card holder (canceled account about 3 months ago) , and I am a current gold card holder. The fine print on this 100K offer says it’s for NEW members only. We called, and they said we cannot get the 100K miles because neither of us would be a new member. This is your 3rd card so you are obviously NOT a new member. How are you getting a third Citi Exec Card when we cannot get a first!? If you have blogged about this before, can you point me to the right area? Thanks…love your posts.

  • greengyrl26

    I’m trying to decide if I should get this card or the Southwest Airlines one. It looks like the 50k reward is back on the SW website. I spend roughly $15k per month for my business, so spending to reach reward levels isn’t an issue. Given that it’s mid-June and the fact that I’m not 100% certain that the SW companion pass perk is still valid with the SW cc….should I open that one now? Or open this one now and then the SW card closer to the end of the year? I appreciate any advice you can give. Thanks!

  • jayguz00

    Just got my second one. Did NOT need to change name, address, SS, or AA #. Only had to shuffle around some credit from one Citi card to the new one. Had to call in after applying online, but call lasted no more than 4 minutes.

  • Traderlatino

    Citi SUCKS!!!!!!!!!!!!!!!!! I applied for this card over a week ago and got it,,,activate it…and used it. Today I was trying to access my account online and for some reason my info didn’t match. I called Citi and they told me that I APPLIED WITH ANOTHER PERSON SOCIAL SECURITY and that the card was going to be closed because of fraud. I used all my own info, they approved me and send me a card with a 30k limit and now they said that the name and the social don’t match….NEVER AGAIN!!!!

  • DC

    Does the annual fee count in the 10K spending?

  • TutuB

    Is it possible to post a link to the above offer that works? Haven’t been able to find the offer online…thanks!

  • BunnyRanch

    I called Citi bank and they say it expired, any tricks or codes to get the card and the 100k bonus?

  • thepointsguy
  • thepointsguy
  • justthebest

    Please answer mkny’s q. Now that it looks “alive” again, and I just got my first one 7/1, I need to know how to position myself for #2. I know I have to wait around 90 days (and just hope the deal is still around/back), but I need to know whether or not to close the one I just opened. I think not, but want to be sure. Thanks!

  • justthebest

    Oops–sorry–just found your answer below. Please disregard.

  • jen

    No, don’t cancel it, it will screw up your credit!

  • JM

    “you don’t need to spend $40,000 on one card- if you had three of these cards, you could hit the $10,000 for the sign-up and then you’d only need an additional $10,000 in spend to get the EQMs.” – False. They require the spend on an individual card. Citi will not combine the spending on multiple cards to reach this requirement. I’m at $41,000 total spend on three cards. Didn’t work. Called Citi, they said it must be on an individual card account.

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