In contrast to most airways, American Airways presents bank cards by means of two totally different card issuers: Citi and Barclays. This twin partnership opens up much more alternatives for vacationers to build up AAdvantage miles. Mixed, these two card issuers presently provide six totally different American Airways co-branded bank cards — 4 client playing cards and two small-businesses playing cards.
All of those choices could go away you questioning whether or not you may have two (or extra) American Airways bank cards. Let’s check out the financial institution insurance policies and sign-up bonus restrictions limiting what number of American Airways bank cards you will get.
American Airways bank cards presently obtainable
Whereas there are six American Airways bank cards presently obtainable to new cardholders by means of Citi and Barclays, these aren’t all the AAdvantage bank cards in circulation. Each Barclays and Citi proceed to service American playing cards that are not presently obtainable to new cardholders — such because the Citi® / AAdvantage® Gold World Elite™ Mastercard® and the AAdvantage® Aviator® Silver Mastercard®.
This is an outline of the playing cards presently obtainable to new cardholders:
Citi American Airways bank cards
American Airways AAdvantage MileUp℠ Card: Earn 10,000 American Airways AAdvantage® bonus miles and obtain a $50 assertion credit score after making $500 in purchases inside the first 3 months of account opening. $0 annual charge.
Citi® / AAdvantage® Platinum Choose® World Elite Mastercard®: Earn 50,000 American Airways AAdvantage® bonus miles after you spend $2,500 in purchases inside the first 3 months of account opening. Plus, get a primary checked bag free on home American flights and most popular boarding on all American flights. The annual charge is $0 intro for the primary 12 months, then $99.
CitiBusiness® / AAdvantage® Platinum Choose® Mastercard®: Earn 65,000 American Airways AAdvantage® bonus miles after spending $4,000 in purchases inside the first 4 months of account opening. Plus, get a primary checked bag free on home American flights and most popular boarding on all American flights. The annual charge is $0 intro for the primary 12 months, then $99.
Barclays American Airways bank cards
Barclaycard Arrival™ World Mastercard®: Earn 20,000 bonus miles if you spend $1,000 on purchases within the first 90 days — that is sufficient to redeem for a $200 journey assertion credit score. $0.
Each of those Barclay AAdvantage bank cards embody the next perks:
First checked bag free on home American Airways flights.
Most well-liked boarding on all American Airways flights.
Understanding the Citi American Airways bank card guidelines
Technically, you might apply for and have all 4 Citi American Airways bank cards. Nevertheless, Citi locations restrictions on how usually you may earn a sign-up bonus and limits what number of bank cards you may sign-up for in a set time frame.
Restrictions on sign-up bonuses
Be taught Extra
Every of the 4 Citi AAdvantage bank cards presently obtainable embody related sign-up bonus restriction language. This is how the Citi® / AAdvantage® Platinum Choose® World Elite Mastercard® provide availability textual content reads:
American Airways AAdvantage® bonus miles aren’t obtainable when you have obtained a brand new account bonus for a Citi® / AAdvantage® Platinum Choose® account prior to now 48 months.
This implies you may’t get a brand new sign-up bonus on the Citi® / AAdvantage® Platinum Choose® World Elite Mastercard® in case you earned a bonus on this specific card prior to now 4 years. That is the identical with every of the 4 playing cards. Citi solely considers whether or not you’ve got earned a bonus on that individual card and does not consider different Citi AAdvantage playing cards it’s possible you’ll or could not have held.
When calculating in case you’re eligible, understand that your eligibility date is predicated on if you earned the bonus — not if you signed up for the cardboard. Sadly, American Airways solely reveals AAdvantage account historical past for the previous two years. So, you will not be capable to see precisely if you earned a sign-up bonus in case you earned it greater than two years in the past.
Citi restrictions on card functions
Along with card-specific sign-up bonus restrictions, Citi restricts what number of playing cards you will be accepted for in a brief time frame. These unwritten guidelines aren’t printed by Citi. As a substitute, these guidelines have been compiled by these falling afoul of the foundations.
First, Citi will usually deny your software for a brand new bank card in case you’ve utilized for a Citi bank card prior to now eight days. As well as, you are more likely to be denied in case you submit greater than two functions in a 60-day interval. And, in case you’ve utilized for a CitiBusiness card not too long ago, you will need to wait no less than 90 days earlier than making use of for an additional CitiBusiness card. To be on the secure facet, it’s a greatest observe to attend for just a few extra days than required.
Understanding the Barclays American Airways bank card guidelines
Whereas the restrictions on getting Citi American Airways bank cards are usually understood, that is not the case for Barclays playing cards. Like Citi, Barclays can prohibit which potential cardholders are eligible to earn a sign-up bonus. Nevertheless, the restrictions aren’t as clear.
Be taught Extra
For instance, the sign-up bonus restriction on the AAdvantage® Aviator® Pink World Elite Mastercard® reads:
You will not be eligible for this provide in case you presently have or beforehand had an account with us on this program.
Barclays goes on to say that cardholders will not be eligible for a sign-up bonus provide in the event that they “suspect that the account is being obtained or will likely be used for abusive or gaming exercise.” Each of those restrictions appear to be designed to permit Barclays to crackdown on cardholders who aren’t appearing in good religion.
As well as, Barclays could select to use a number of unwritten guidelines to card functions. These can embody denying a brand new cardholder for making an attempt to open a brand new account for a card that they closed lower than six months in the past or making use of for a couple of Barclays card in a six-month interval. These guidelines aren’t set in stone, although, so it will depend upon particular person conditions.
What number of American Airways bank cards can I’ve?
In case you have a small enterprise, you may technically get all six American Airways bank cards presently obtainable to new cardholders. Nevertheless, in case you’re ranging from scratch, you will have to be cautious to fulfill all the restrictions that Citi and Barclays place on bank card functions.
Nevertheless, in case you’re specializing in incomes American Airways miles, it may very well be value pairing just a few AAdvantage bank cards to maximise your earnings. One technique could embody:
American Airways AAdvantage MileUp℠ Card for 2x earnings at grocery shops with a $0 annual charge.
AAdvantage® Aviator® Pink World Elite Mastercard® for as much as $25 in assertion credit for Wi-Fi purchases, most popular boarding, a primary checked bag free and the flexibility to earn an Anniversary Companion Certificates, all with a $99 annual charge.
CitiBusiness® / AAdvantage® Platinum Choose® Mastercard® for 2x earnings on cable and satellite tv for pc suppliers, fuel stations, and telecommunications retailers; 25% financial savings on in-flight Wi-Fi; and the flexibility to spend towards a Companion Certificates, all for an annual charge of $0 intro for the primary 12 months, then $99.
Should you’re contemplating getting one other American Airways bank card
Be certain to learn the provide particulars rigorously. Should you’ve beforehand held the identical card, you will not be eligible to earn a sign-up bonus on that card once more. For Citi playing cards, you will want to attend no less than 4 years from the date you final earned the sign-up bonus on that card. In the meantime, Barclays could not approve you for a sign-up bonus in case you’ve ever had the cardboard earlier than.
You may additionally have hassle signing up for a card in case you’ve not too long ago utilized for a card from the identical financial institution. Greatest observe suggests that you just wait no less than eight days between two Citi functions and 6 months between opening two Barclays playing cards.
The knowledge associated to CitiBusiness® / AAdvantage® Platinum Choose® Mastercard® has been collected by NerdWallet and has not been reviewed or offered by the issuer or supplier of this services or products.
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