Citi

Which Citi AAdvantage Card Is Best For You: Platinum Or Executive?

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As I wrote about yesterday, at the moment we’re seeing limited time increased sign-up bonuses on the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® and CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®. Both of these cards are offering sign-up bonuses of 50,000 bonus miles after spending $3,000 on purchases within the first three months, with the $95 annual fee waived for the first year.

I value American miles at ~1.5 cents each, so earning a sign-up bonus I value at ~$750 for a card with no annual fee the first year and a reasonable minimum spend represents an exceptional value, in my opinion. However, there’s another Citi AAdvantage card to be aware of — the Citi® / AAdvantage® Executive World Elite™ Mastercard® — so I figured I’d talk a bit about who should be considering which version of the card.

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Earn 100K+ American Miles With 2 Credit Card Sign-Ups

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Citi has just increased the sign-up bonuses on their co-branded AAdvantage credit cards for a limited time, to 50,000 bonus miles upon completing minimum spend. The details of the offers are as follows:

— The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is offering a sign-up bonus of 50,000 AAdvantage miles after making $3,000 of purchases within the first three months
— The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is offering a sign-up bonus of 50,000 AAdvantage miles after making $3,000 of purchases within the first three months

Both cards have a $95 annual fee, though it’s waived for the first 12 months.

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Ranking Credit Card Annual Travel Credits

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While $450 might seem like a lot of money to pay for a credit card annual fee, the perks offered by many cards keep getting better and better.

On the most basic level, one of the perks of many premium cards is that they offer travel credits, often in the range of $200-300 per year. This is a great opportunity to help offset the annual fee on the card.

One of the questions I’m asked most often about premium credit cards is why they don’t just lower their annual fees rather than offering travel credits.

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Minor Changes To Earning EQMs On The Citi AAdvantage Card In 2017

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American is in a unique situation as far as the “big three” U.S. carriers go, as they have a non-exclusive credit card agreement. Rather than just having an agreement with one card issuer, American has credit card agreements with both Citi and Barclaycard.

Starting in 2017, both issuers will have rights to different sales channels — Citi will have exclusive access to aa.com, direct mail, and Admirals Club lounges, while Barclaycard will have exclusive access to airport kiosks and inflight sales.

Furthermore, it was recently announced that it will be possible to earn elite qualifying dollars (EQDs) through American’s co-branded Barclaycard products. American is introducing a revenue requirement for status in 2017, where you’ll have to spend $3,000, $6,000, $9,000, or $12,000 for Gold, Platinum, Platinum Pro, or Executive Platinum, respectively.

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10 Best Credit Card Offers For November

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Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month.

While there are several excellent long standing credit card offers, the specifics of the best offers are constantly changing (be it the annual fee, minimum spend requirement, or even amount of the sign-up bonus).

If you read my blog on a daily basis then by all means skip this post, but for me it’s a useful, “current” place to refer people who ask about which cards they should sign-up for, a question I get on a daily basis.

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Why This Is The Ideal Time To Pick Up A $450 Annual Fee Card

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It’s amazing how much more lucrative premium credit cards have become over the past few years. Going back many years, having a $450 annual fee card was often seen as a sign of prestige, while nowadays having one of these cards can make a lot of sense for the average consumer, helping them maximize their points and perks.

One of the cool things about many of these premium cards is that they offer some sort of a travel credit each year, ranging from $200 to $300. When used properly, that nicely helps offset the annual fee.

But timing on applying for these cards matters. While your annual fee is billed based on your cardmember year (which starts when your card is opened, rather than the beginning of a calendar year), the annual travel credits are typically billed based on the calendar year. Given that the end of the year is approaching, that means you can easily recover two years worth of travel credits within a couple of months if you apply for some cards now.

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Should You Transfer Citi Points To Hilton With A ~33% Bonus?

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Citi ThankYou points can be earned through cards like the Citi Prestige® Card and Citi ThankYou® Premier Card. This is a points currency that has become more useful over the past couple of years, as Citi added over a dozen airline and hotel transfer partners. As of now, you can transfer Citi ThankYou points to the following programs:

My personal favorites are Air France/KLM FlyingBlue, Etihad Guest, and Singapore KrisFlyer, as I find they have the best redemption values.

The only Citi ThankYou hotel transfer partner is Hilton HHonors, and points ordinarily transfer at a ratio of 1,000:1,500.

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10 Best Credit Card Offers For October

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Every month I make a post with what I consider to be the best credit card sign-up bonuses of the month.

While there are several excellent long standing credit card offers, the specifics of the best offers are constantly changing (be it the annual fee, minimum spend requirement, or even amount of the sign-up bonus).

If you read my blog on a daily basis then by all means skip this post, but for me it’s a useful, “current” place to refer people who ask about which cards they should sign-up for, a question I get on a daily basis.

Well, the last couple of months have been especially exciting on the credit card front in terms of new offers. Below are what I consider to be the 10 best right now:

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Citi Prestige’s Fourth Night Free Is Still My Single Favorite Credit Card Perk

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A few months back some major changes were announced to the Citi Prestige Card. It used to be my single favorite credit card by a long shot, though now that several changes have been made, it sure doesn’t seem quite as lucrative by comparison.

Just today I used this card’s best benefit again, and it reminded me that this card is still incredible, even if it’s not quite as good as it used to be.

The Citi Prestige Card has a $450 annual fee, though you get a $250 annual airline credit. That credit can be used towards any purchase directly with an airline, be it the cost of a ticket, the taxes on an award ticket, baggage fees, etc. Therefore I value this benefit more or less at face value.

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Why You Shouldn’t Transfer Citi ThankYou Points To JetBlue

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Citi ThankYou points can be earned through cards like the Citi Prestige® Card and Citi ThankYou® Premier Card. This is a points currency which has become more useful over the past couple of years, as Citi added over a dozen airline and hotel transfer partners. As of now, you can transfer Citi ThankYou points to the following programs:

My personal favorites are Air France/KLM FlyingBlue, Etihad Guest, and Singapore KrisFlyer, as I find they have the best redemption values. However, those looking to book travel within the US may be happy to learn that you can now transfer Citi ThankYou points to JetBlue TrueBlue at a 1,000:800 ratio. At least that’s the transfer ratio for cards accruing premium Citi ThankYou points, like the Citi Prestige® Card and Citi ThankYou® Premier Card.

JetBlue’s TrueBlue program is revenue based on the redemption side, meaning the number of points required for a ticket is directly correlated to the cost of a ticket. In general, one TrueBlue point can be redeemed for ~1.5 cents towards the cost of a ticket on JetBlue. That means in this case you’re getting ~1.2 cents per Citi ThankYou point towards the cost of a ticket.

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8 Limited Time Card Bonuses That Should Be On Your Radar

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The past couple of months we’ve seen a lot of increased credit card sign-up bonuses. The card issuers are really getting competitive, both in terms of sign-up bonuses and in terms of perks. So I figured I’d use this post to briefly recap some of the increased card sign-up bonuses we’re seeing. In no particular order, here are some of them:

The Enhanced Business Platinum Card® from American Express OPEN is offering a sign-up bonus of up to 100,000 Membership Rewards points — you earn 50,000 bonus points after spending $5,000 within three months, plus an additional 50,000 points after spending an additional $10,000 within three months.

The card has a $450 annual fee, though comes with all kinds of perks that help offset it, including a $200 annual airline fee credit, 10 Gogo passes, access to Delta SkyClubs, access to Amex Centurion Lounges, and much more. Perhaps most valuable of all, if you have this card then you can pool all your Amex Membership Rewards points and receive a 50% refund when using the Pay with Points option on your selected carrier.

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What Credit Card Should You Use For Airline Ticket Purchases?

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In February I wrote a post about the best credit cards to use for airfare purchases. Usually these kinds of posts remain useful for a while, though lately we’ve seen a lot of improvements to the bonus categories offered by credit cards. As a matter of fact, over the past couple of months we’ve seen a change in the two very best credit cards to use for airfare purchases.

There are a couple of different things to consider when deciding which credit card to use for airfare. It’s not just about the direct return you get on spend, but also about the travel protection offered by different cards.

With that in mind, I figured I’d cover the two important things to consider when deciding which credit card to use for your airfare purchases: the best rewards and the best travel protection.

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Limited Time: 75K Hilton Points & No Annual Fee

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Hilton is unique as far as their co-brand credit card agreement goes, in that they have cards issued by both American Express and Citi. They’re the only hotel chain where that’s the case, and that means there are four types of personal credit cards available to consumers.

An increased sign-up bonus has just been announced on one of their no annual fee cards.

Hilton’s no annual fee Citi product, the Citi® Hilton HHonors™ Visa Signature® Card, is offering an increased limited time sign-up bonus. The offer is for 75,000 Hilton HHonors bonus points after making $2,000 in purchases within the first three months of account opening.

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Convert Partner Points To Etihad With A 20% Bonus

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The Etihad Guest program is offering a 20% bonus when you convert points from over a dozen of Etihad’s partner programs between October 1 and October 30, 2016.

This transfer bonus is entirely on Etihad’s side, which means that you won’t see the bonus reflected when you go to the partner programs’ websites to transfer points. As a result, the 20% bonus doesn’t post instantly. Instead the 20% bonus will post within 15 days of the end o the promotion, though in practice it should post faster than that. There’s no registration required to take advantage of this bonus.

While not the biggest percentage wise, this is one of the most extensive transfer bonuses we’ve ever seen from Etihad Guest. In the past we’ve seen bonuses for transferring points from individual partners, like a 25% bonus from Citi ThankYou to Etihad Guest, or a 30% bonus from Amex Membership Rewards to Etihad Guest, but we haven’t seen such a widespread bonus in a while.

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