July 1st, 2014

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Update: Some offers mentioned below are no longer available. View the current offers here – Citi / AAdvantage Executive World Elite MasterCard

It isn’t abnormal for credit card companies to offer lucrative targeted offers for certain credit card products. Credit card bonuses cost money and the marketing teams at credit card companies want to stretch their budgets are far as possible to get as many new lucrative customers as possible. So instead of making the juiciest offers public, they try to target the people they want the most. Usually this happens by direct mail or by tools like the Card Match tool online, but recently we saw a different sort of targeting from Citi and American Airlines.

In January, Citi and AA teamed up to boost the sign-up bonus on the Citi Executive AAdvantage card to 100,000 miles (up from 0-60,000 miles offered on Citi.com prior) for those who visited the Admirals Club lounge. I believe they did this as a way to tempt American Express Platinum cardholders who used to have access to the lounge pre-March 22, 2014. So, they didn’t want to offer any new applicant the amazing offer of 100,000 miles, but more to poach Amex Platinum cardholders from Amex.

I picked up one of these cards and blogged about this offer back in January. At the time, I already had an existing Executive AAdvantage card that I got the previous August, however I applied for a new one and confirmed that I indeed was eligible for the bonus and got the 100,000 mile payday. Score!

It was peculiar that Citi allowed you to get the same bonus on the same card within a relatively short amount of time, so I recently went for a third Executive AAdvantage card and got approved, albeit with a smaller line of credit, and I’m currently spending my way to my second 100,000 mile bounty this year.

However, shortly after I wrote my last post, the landing page for this offer disappeared and it seemed as if Citi had pulled the offer. However, several TPG readers sent me information that there seemed to be an unofficial link still around, though I always hesitate to post links that I can’t guarantee will work. However, fellow blogger FrequentMiler (who I trust) applied and confirmed that it was for the same 100,000 mile offer with $200 in statement credits. This will likely not last long, so if you’ve got an appetite for risk (I cannot guarantee what the offer is because the landing page doesn’t have details), it could be worthwhile to get in while the getting is good.

The spend on the card is steep at $10,000 within 3 months, but if you can swing it, I think banking 100,000 AA miles (which I value at 1.7 cents a piece, so $1,700 in value for a cost of $250 is amazing in my opinion).

Since the spend on this card is high, it might make sense to apply for other cards with low minimum spend thresholds. The other one that makes sense to team up with this is the Barclaycard US Airways Premier World MasterCard that gives 40,000 miles after the first purchase ($89 annual fee). US Airways miles will merge into AA miles in 2015, so with the spend from the AA card and the sign-up form the US card, you’re looking at a healthy 150,000 mile bump in your AA account (if you don’t use them before the programs merge!).

Chase Sapphire Preferred® Card

Even after the introduction of the Chase Sapphire Reserve, the Chase Sapphire Preferred is still a fantastic choice if you want to avoid the Reserve’s $450 annual fee, earn 2x on all travel & dining and earn a 50,000 point sign up bonus.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
5.00%
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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.