Citi AAdvantage Card 50K vs 30K Offers

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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darkguy2
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Citi AAdvantage Card 50K vs 30K Offers

Postby darkguy2 » Tue Jul 05, 2016 1:48 pm

So I am looking to get the AAdvantage card since I am going for status with AA and will be traveling with them a good amount on business and would like to get the zone 1 boarding. I see that the standard offer is for 30K miles after $1K spend in 3 months. I found another offer link that gave me 50K miles for $3K spend in 3 months.

So my question is if it is worth putting another $2K on the card for another 20K miles? The $1K would be no problem, but the $3K I would need to work at achieving. Also any advice on the card itself? Most likely I will get it for the free year, get the bonus, and then close it before it charges me. By that point I should have status with AA and no longer need the card for the benefits.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)


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CarefulBuilder14
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Re: Citi AAdvantage Card 50K vs 30K Offers

Postby CarefulBuilder14 » Tue Jul 05, 2016 3:02 pm

darkguy2 wrote:So I am looking to get the AAdvantage card since I am going for status with AA and will be traveling with them a good amount on business and would like to get the zone 1 boarding. I see that the standard offer is for 30K miles after $1K spend in 3 months. I found another offer link that gave me 50K miles for $3K spend in 3 months.

So my question is if it is worth putting another $2K on the card for another 20K miles? The $1K would be no problem, but the $3K I would need to work at achieving. Also any advice on the card itself? Most likely I will get it for the free year, get the bonus, and then close it before it charges me. By that point I should have status with AA and no longer need the card for the benefits.

First of all, I assume we're talking about the personal (and not business) Platinum Select. Will you be reimbursed for travel, or does it ultimately come out of your own pocket?

I got one in January with the $3k/50k/3 month offer. I got it originally just for the bonus, but I might end up keeping it (especially if I get an AF waiver or some sort of retention on just $5k spend). I've saved $150 in bag fees in the first six months, and may end up just paying the AF. I don't use it for Price Rewind items any more, but I might end up making an extended warranty claim through it.

You might consider Prestige or AA Executive. The AFs are higher, but they offer more AA perks (like Admirals lounge access). If you're flying enough to reach elite status, the value of perks can really add up. Also, the rewards are good. I don't know how you value URs, but Prestige's 3 TYs * a guaranteed 1.6 cpp on AA = an easy 4.8% on flights is pretty appealing to me.

Also, Zone 1 doesn't mean much (at least, it hasn't on my flights). There are many groups with higher boarding priority.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

darkguy2
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Re: Citi AAdvantage Card 50K vs 30K Offers

Postby darkguy2 » Tue Jul 05, 2016 3:13 pm

CarefulBuilder14 wrote:First of all, I assume we're talking about the personal (and not business) Platinum Select. Will you be reimbursed for travel, or does it ultimately come out of your own pocket?

I got one in January with the $3k/50k/3 month offer. I got it originally just for the bonus, but I might end up keeping it (especially if I get an AF waiver or some sort of retention on just $5k spend). I've saved $150 in bag fees in the first six months, and may end up just paying the AF. I don't use it for Price Rewind items any more, but I might end up making an extended warranty claim through it.

You might consider Prestige or AA Executive. The AFs are higher, but they offer more AA perks. If you're flying enough to reach elite status, the value of perks can really add up.

Also, Zone 1 doesn't mean much (at least, it hasn't on my flights). There are many groups with higher boarding priority.


All travel for business is paid by the company including bag fees on my company Amex. Will probably travel once or twice a year for personal, but most of the time I try to limit myself to only carry on bags. Do not like dealing with checked bags since mine always seems to be the last bag to be delivered. Also once I get status I get free checked bags anyways. All the other benefits that Citi gives I can get with my other cards including my DC.

$450 for a credit card is just too much for me to justify right now. Trying to pay off student loans. Maybe after a few years I can see where I stand, but I have global entry already so that $100 credit does not help me. Do not use the lounges when I travel either. Never seen the benefit for the price.

Only reason I want zone 1 is so I do not have to worry about overhead space for my bag. Many of the flights start to force checking around zone 3. I am very much aware that zone 1 is not the first one to get on. Seems like half the plane has status and boards before zone 1.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

darkguy2
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Re: Citi AAdvantage Card 50K vs 30K Offers

Postby darkguy2 » Thu Jul 07, 2016 8:33 am

Pulled the trigger. Had to call in since I have my credit frozen. After they pulled they sent me to an analyst. After she looked at my application she gave me the option for $3,200 limit or up to $10,000 if I transfer some from my other cards. Said I would take the $3,200 limit and she put me on hold to get a manager signature. After talking with them they told her to give me $5,000 instead since I am a previous Citi card holder. Don't plan on using all that, but it will be nice to keep my card utilization down when I am doing my $3,000 spend on it.

On a side note every time I called to check my status it I always got someone from India that read from the same exact script. Get my info -> verify identity -> ask "How are you doing today sir? -> go over application. It was pretty weird since they always asked me how I was doing the same exact way even if I talked with someone else. Almost robotic.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)



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