The affords for the American Airways AAdvantage® MileUp®, and Citi® / AAdvantage® Platinum Choose® World Elite Mastercard® have expired. Be taught extra in regards to the present affords right here.
American Airways has a novel co-branded bank card settlement so far as US airways go, because the airline has playing cards issued by each Citi and Barclays. This dates again to the merger between American and US Airways, as traditionally Citi had partnered with American, whereas Barclays had partnered with US Airways.
These days the cardboard issuers have competing playing cards, with the foremost variations being the place playing cards will be marketed. The truth that American has two bank cards companions is incredible for shoppers, because it means you’re eligible for extra American Airways bank cards (and due to this fact extra bonus miles and perks!).
On this submit I wished to go over the eligibility necessities for American’s six bank cards issued in the USA. There’s positively extra curiosity in these playing cards than previously, on condition that with American’s Loyalty Factors system, bank card spending will help you earn elite standing.
American AAdvantage bank card bonus guidelines
Bank card issuers have a wide range of restrictions in terms of approving individuals for playing cards. Should you’re trying to apply for an American Airways bank card, eligibility necessities are fairly lax when it comes to with the ability to apply for a number of of those playing cards over time.
Let’s go over the small print, and I’ll notice each the principles particular to every card, in addition to the final guidelines for Citi and Barclays.
Citi American Airways bank card guidelines
American Airways has 4 co-branded bank cards issued by Citi:
These playing cards all have equivalent restrictions in terms of incomes the bonus:
- The bonus on every of those playing cards isn’t obtainable to those that have obtained a brand new cardmember bonus on that precise card previously 48 months; it’s superb if you happen to’ve obtained the bonus on one other AAdvantage product inside the previous 48 months, it simply can’t be for a similar product you’re making use of for
- That is along with Citi’s basic utility restrictions, which embrace you could get authorized for at most one Citi card each eight days, and at most two Citi playing cards each 65 days
Barclays American Airways bank card guidelines
American Airways has two co-branded bank cards issued by Barclays:
Barclays isn’t fairly as clear as Citi in terms of the insurance policies related to getting authorized for co-branded AAdvantage playing cards:
- The phrases are imprecise, and state that “you might not be eligible for this supply if you happen to at the moment have or beforehand had an account with us on this program”
- Anecdotally, many report with the ability to earn the bonus on the non-public model of the cardboard in the event that they closed the identical card not less than 24 months in the past, and with the ability to earn the bonus on the enterprise model of the cardboard in the event that they closed the identical card not less than six months in the past; let me emphasize that that is anecdotal, and the supply phrases counsel that guidelines may very well be stricter
- Barclays has few constant guidelines in terms of approving individuals for playing cards, so there aren’t any strict guidelines to concentrate on
What credit score rating do you want for an American Airways bank card?
There’s not a constant rule as to what credit score rating it’s worthwhile to be authorized for an American Airways bank card from Citi or Barclays. On the whole, I’d advocate having a credit score rating within the “good” to “glorious” vary if you happen to’re going to use for any of those playing cards.
Personally, I in all probability wouldn’t apply if my credit score rating had been below 700, and ideally, I’d hope to have a credit score rating of 740 or greater. That being mentioned, individuals with scores decrease than which have been authorized for these playing cards, and conversely, individuals with scores greater than which have been rejected. There are plenty of components that go into approval — your revenue, your credit score historical past, how a lot credit score an issuer has already prolonged you, and so forth.
Greatest technique for getting American Airways bank cards
It’s fairly superior how non-restrictive the eligibility necessities are for incomes the bonuses on co-branded American Airways bank cards, as you may decide up each Citi and Barclays playing cards. That is fairly a distinction to Marriott’s co-branded card portfolio, issued by American Categorical and Chase, the place there are considerably stricter eligibility necessities.
American Airways bank cards are a good way to construct up your steadiness of AAdvantage miles, given all the good makes use of there are for these miles.
What’s the very best technique to take with making use of for American Airways bank cards? Right here’s how I view issues:
You can probably decide up the 2 mid-range private and enterprise playing cards from every issuer in a matter of weeks, and earn a whole lot of hundreds of miles, if you happen to wished to. Should you solely wished to use for 2 playing cards, based mostly on the present bonuses I’d in all probability go together with the Citi® / AAdvantage® Govt World Elite Mastercard® and Citi® / AAdvantage Enterprise™ World Elite Mastercard®, making use of not less than eight days aside.
Backside line
American Airways has bank cards issued by each Citi and Barclays, and luckily eligibility necessities aren’t very restrictive. Not one of the playing cards are mutually unique, so over time you may decide up all of those playing cards, if you happen to wished to.
With the present bonuses, it’s an particularly good time to choose up the Citi® / AAdvantage Enterprise™ World Elite Mastercard®, although all playing cards could make sense to use for.
What has your expertise been with getting authorized for American Airways bank cards?
