Results From My One & Only Credit Card Application For A While

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Update: These offers for the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and the Marriott Rewards® Premier Plus Credit Card have expired. Learn more about the current offers here.

Recently we saw the introduction of two big new welcome bonuses on Citi AAdvantage Cards:

Both of these offers are worthwhile, and if you picked up both of these cards you’d be looking at 130,000 bonus AAdvantage miles, which is huge.

A few days ago I wrote about how I’m trying to decide on a 5/24 strategy. Specifically, Chase has a “5/24 limit,” where you typically won’t be approved for some of their cards if you’ve opened five or more new card accounts in the past 24 months. I can potentially get underneath that limit in 4-5 months, so I’m thinking it might make sense to do so.

The reason I’d like to get under that limit is so I can apply for the Ink Business Preferred℠ Credit CardInk Business UnlimitedSM Credit Card, and Marriott Rewards® Premier Plus Credit Card, all of which are great cards that would offer me long term value.

Why I just applied for the Citi AAdvantage Business Card

The above means that I have to take it easy when it comes to applying for credit cards, though the good news is that most business credit card applications don’t count towards that card limit with Chase. This means that I could apply for the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, since that wouldn’t show on my personal credit report as one of the cards towards that limit.

Earning a 70,000 mile bonus with the $99 annual fee waived for the first year is something I can’t turn down, so I figured this was a good card to apply for. I value American miles at 1.3 cents each, so to me the 70,000 miles are worth ~$910.

70,000 miles is enough for a one-way business class ticket to Asia

It has been many months since I’ve applied for a credit card, and it will now be another 4-5 months until I apply for another card, so this will be my only card application for a while.

My experience applying for the Citi AAdvantage Business Card

Apparently I’m not very good at keeping track of credit cards, because I know I had the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® at some point in the past, but couldn’t remember when. This matters because the card is only available to those who haven’t opened or closed the card in the past 24 months. My online Citi log-in didn’t show a record of this card, so I phoned up Citi.

To my surprise, the rep indicated that they didn’t have record of me ever having had this card before. I’m pretty sure I had it in the past, so I found it odd, and called again, just to make sure I got the same answer. The next rep said the same thing. Odd, but I’ll take it.

I applied online, and to my surprise wasn’t instantly approved (Ford applied a few days before me, and he was instantly approved). My application status page did however give me a reference number and phone number to call, saying that they could give me an immediate decision if I called (which was good news).

The phone rep I spoke to was friendly, and she explained that for whatever reason the system didn’t automatically approve the application, as she had to manually approve me for a credit line. Within a couple of minutes she said that I was approved and that my card should be on the way shortly.

For general guidance on being approved for Citi business cards like the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®, see this post.

Bottom line

The 70,000 mile welcome bonus on the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is the biggest public bonus I ever recall seeing on the card. I’m thrilled to have been approved for the card, and especially to be able to get it without it counting as a further inquiry towards the 5/24 limit.

I guess I have to savor these 70,000 miles, because it will be several more months before I can apply for my next cards, though they’ll be worth the wait.

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  1. You can have either the blue business plus or ink business unlimited.

    Why have both?

    This is why people should multiple wives. No one can be happy with just one, credit card or hot wives.

  2. @lucky can you post a chart of all the points systems you value at a dollar amount? I always find myself having to google it and it would be really helpful!

  3. I applied for the same card on 17May, got instant online approval, and received a letter yesterday with phrasing in it that I should receive the card in 7 to 10 more days. I’m a bit bummed it will take that long to receive the card as I wanted it for Memorial Day long weekend expenses to help with the minimum spend. Can’t win’em all.

  4. @Lucky I don’t understand–if business cards don’t show up on your credit report or count towards 5/24, why do you need to wait several months before getting another credit card? Can’t you continue to load up on business cards? Thanks.

  5. @Lucky

    I believe it is the Card processor (in this case Mastercard) that keeps track of if and when you last had this card. The miles are being provided by AA and Mastercard would notify AA if you are eligible for the bonus miles. Citi is the card issuer as it is the entity that takes on the credit risk. I do not believe that Citi will know when and if you last had the card.

  6. Instantly Approved, Baby!!!
    70 big ones coming my way …
    (smallest credit line that I have ever been approved for though … funny, just saying … kinda weird)

  7. I followed your guidelines for filling out the CitiBusiness® / AAdvantage Platinum Select card and got denied, reason coming by mail within 10 days. I have an AA platinum card, cancelled an Aviator card a couple months ago, but do not have the business card. Any idea what I might have done wrong?

  8. Thanks for the business card application tutorial for a non-business professional. Don’t forget to un-freeze your Equifax credit report to allow Citi to complete your application review. Unfortunate that they couldn’t tell me that by email rather than USPS, delayed my approval by 7 days, but the card’s on the way now.

  9. @Steven Sabb
    I followed Lucky’s guidelines exactly and was instantly approved.
    And I have Aviator and a recently cancelled Platinum – personal cards.
    (as well as i have my “keeper” AA Executive for Admiral’s club and other awesome benefits)
    Citi has denied my in the past because I already hit their limit on credit with 3-4 cards.
    When that happens, you just have to call to move your credit lines for each card.
    But, this business card is separate from personal credit lines, so I doubt that is the reason.
    When I have been denied, a simple call to Citi has been very effective to work things out.
    Citi is the best in customer service in my experience.

  10. @PointsPinnacle @Richard B

    You are correct. I was wrong. It is the issuer in this case Citibank that keeps track of who got the card .

  11. I picked up this card last week also and plan on being on 5/24 soon. But, i got a notice that a new inquiry showed up on my Equifax report. So, if it shows up on my report how does chase not count it?

  12. I just applied and received this card for my wife. She got a targeted offer of 75,000 aa miles for $5000 spend in 5 months. I figured an extra 5000 miles for $1000 more spend was pretty good (over the $4000 spend for 70,000 miles offer).

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