AAdvantage Cards

[kc12286]

So my credit score must be pretty good. Old Navy gave me a CLI to $1100, after dropping me to $300 more than a year ago and that was down from my original CL of $700 when I opened the account.

Anyway, I've been getting lots of offers/pre-approvals for in the mail. Citi, Discover. 

I'm hoping to take some trips or a trip and I'm really looking for a card that offers travel rewards. Hotel, air miles, etc. I've noticed most only offer one or the other, unless I'm just hearing about the wrong cards.

I was looking at the AAdvantage cards from Citi. Does anyone have them? They offer Visa and Amex. From the website doesn't look like there's much difference between the cards. I'd definitely like to be part of the AMEX family at some point, but I'm not in a rush. I'd much prefer the ability to pay things over time, IF the card offers that.

Curious to see who has it and what they think of the card/program.

[Anonymous]

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@kc12286 wrote:

So my credit score must be pretty good. Old Navy gave me a CLI to $1100, after dropping me to $300 more than a year ago and that was down from my original CL of $700 when I opened the account.

Anyway, I've been getting lots of offers/pre-approvals for in the mail. Citi, Discover. 

I'm hoping to take some trips or a trip and I'm really looking for a card that offers travel rewards. Hotel, air miles, etc. I've noticed most only offer one or the other, unless I'm just hearing about the wrong cards.

I was looking at the AAdvantage cards from Citi. Does anyone have them? They offer Visa and Amex. From the website doesn't look like there's much difference between the cards. I'd definitely like to be part of the AMEX family at some point, but I'm not in a rush. I'd much prefer the ability to pay things over time, IF the card offers that.

Curious to see who has it and what they think of the card/program.

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What do you mean by AMEX family?  Network or Bank? 

All the cards are issued by CITI regardless of the network (VISA, AMEX, none).

[kc12286]

As in having an Amex card. I've seen a few users in the threads here call it being part the Amex "family".

[Anonymous]

That would meet your want.    It would be a AMEX network card.   All the same from the merchants point of view.  

I suspect many mean a AMEX card issued by American Express ( Bank ), when they say AMEX family.  

[kc12286]

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@Anonymous wrote:

That would meet your want.    It would be a AMEX network card.   All the same from the merchants point of view.  

I suspect many mean a AMEX card issued by American Express ( Bank ), when they say AMEX family.  

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You're right an Amex card issued from Amex themselves.  AND after looking over the program and the points, I don't think it's worth it at the moment. I'd rather apply to a card directly from Amex. I don't even see the AAdvantage Amex on the website.
I can earn travel rewards with a Zync card I believe, since they have those packs.

[Anonymous]

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@kc12286 wrote:

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@Anonymous wrote:

That would meet your want.    It would be a AMEX network card.   All the same from the merchants point of view.  

I suspect many mean a AMEX card issued by American Express ( Bank ), when they say AMEX family.  

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You're right an Amex card issued from Amex themselves.  AND after looking over the program and the points, I don't think it's worth it at the moment. I'd rather apply to a card directly from Amex. I don't even see the AAdvantage Amex on the website.
I can earn travel rewards with a Zync card I believe, since they have those packs.

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Because  it is offered by CITI, not American Express.

[vish1]

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@Anonymous wrote:

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@kc12286 wrote:

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@Anonymous wrote:

That would meet your want.    It would be a AMEX network card.   All the same from the merchants point of view.  

I suspect many mean a AMEX card issued by American Express ( Bank ), when they say AMEX family.  

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You're right an Amex card issued from Amex themselves.  AND after looking over the program and the points, I don't think it's worth it at the moment. I'd rather apply to a card directly from Amex. I don't even see the AAdvantage Amex on the website.
I can earn travel rewards with a Zync card I believe, since they have those packs.

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Because  it is offered by CITI, not American Express.

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Just a reminder, AA is one of the citibank's toughest card to get (though I believe its still running 75k AA miles offer). In addition to this, IMO citibank's invites are the most useless set of invites, with most other banks, you have a decent chance of approval with a invite as you are pre screened, while citi may send u invite for citiAA just for being a AA FF.

Unless you have a real clean CR, I wont apply for citi AA. As always YMMV. Good luck to you, if you decide to pull the trigger. Keep us posted

[IrishPM]

I've got the Citi AAdvantage Amex and it's ok for the miles but that's about it. They do not offer convenience checks any more and the card is not available to switch to the MasterCard version later on...at least in my case they declined the product change and I've been a good customer for over 12 years, never late, never over limit and keep my utilization very low. I have not had a credit line increase in 10 years and have never or now been overextended on my other cards or loans.

If you use your credit card to pay for gas, groceries, utilities or dining out then you'll rack up a lot of miles fairly quickly so from that standpoint it's worth getting. Citi reports your "miles" on the 15th of each month and American Airlines updates your AAdvantage account typically within 24 hours. I'm up to 200,000 miles so far and as long as you keep activity each month and adding miles, you keep kicking the proverbial "expiring miles" can down the road and that's a great feature.

Citi customer service is ok when I call but since I have online access, the less I have to talk with them the better off I am.

[kc12286]

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@IrishPM wrote:

I've got the Citi AAdvantage Amex and it's ok for the miles but that's about it. They do not offer convenience checks any more and the card is not available to switch to the MasterCard version later on...at least in my case they declined the product change and I've been a good customer for over 12 years, never late, never over limit and keep my utilization very low. I have not had a credit line increase in 10 years and have never or now been overextended on my other cards or loans.

If you use your credit card to pay for gas, groceries, utilities or dining out then you'll rack up a lot of miles fairly quickly so from that standpoint it's worth getting. Citi reports your "miles" on the 15th of each month and American Airlines updates your AAdvantage account typically within 24 hours. I'm up to 200,000 miles so far and as long as you keep activity each month and adding miles, you keep kicking the proverbial "expiring miles" can down the road and that's a great feature.

Citi customer service is ok when I call but since I have online access, the less I have to talk with them the better off I am.

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I think for right now, I won't apply for this card. I'd much rather have a card from Amex, especially since my mom was an Amex card holder and I can probably get them to backdate me since I was an AU on two of her cards for quite some time. I've been looking for good travel rewards cards and this seemed like it might be a good one, but after reading the program conditons, it's probably not worth the inq hit.   I want to pay down my balanaces a little further before I apply for anything.

[Anonymous]

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@kc12286 wrote:

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@IrishPM wrote:

I've got the Citi AAdvantage Amex and it's ok for the miles but that's about it. They do not offer convenience checks any more and the card is not available to switch to the MasterCard version later on...at least in my case they declined the product change and I've been a good customer for over 12 years, never late, never over limit and keep my utilization very low. I have not had a credit line increase in 10 years and have never or now been overextended on my other cards or loans.

If you use your credit card to pay for gas, groceries, utilities or dining out then you'll rack up a lot of miles fairly quickly so from that standpoint it's worth getting. Citi reports your "miles" on the 15th of each month and American Airlines updates your AAdvantage account typically within 24 hours. I'm up to 200,000 miles so far and as long as you keep activity each month and adding miles, you keep kicking the proverbial "expiring miles" can down the road and that's a great feature.

Citi customer service is ok when I call but since I have online access, the less I have to talk with them the better off I am.

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I think for right now, I won't apply for this card. I'd much rather have a card from Amex, especially since my mom was an Amex card holder and I can probably get them to backdate me since I was an AU on two of her cards for quite some time. I've been looking for good travel rewards cards and this seemed like it might be a good one, but after reading the program conditons, it's probably not worth the inq hit.   I want to pay down my balanaces a little further before I apply for anything.

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Good Plan.