The Citi® / AAdvantage® Platinum Choose® World Elite Mastercard® is a strong possibility for American Airways vacationers on the lookout for their first checked bag free on home flights.
You’ll be able to spend towards Million Miler standing and construct up your AAdvantage mileage steadiness to your subsequent journey. In the event you’re contemplating making use of for the Citi / AAdvantage Platinum Choose, you might be unsure whether or not you have got a excessive sufficient credit score rating to be accredited. Here is what it’s best to know.
The data for the Citi / AAdvantage Platinum Choose World Elite Mastercard has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
What credit score rating qualifies for approval?
Citi does not publish particular credit score scores wanted to be accepted for its playing cards. In any case, your credit score rating is only one of many concerns issuers consider when deciding whether or not to approve a shopper for a card.
Associated: How do credit score scores work?
What’s the Citi / AAdvantage Platinum Choose?
The Citi / AAdvantage Platinum Choose is a cobranded American Airways bank card issued by Citi. This bank card can simply be definitely worth the $99 annual charge (waived for the primary 12 months) even in the event you solely fly American Airways domestically a couple of occasions per 12 months.
It’s because by merely having this card you and as much as 4 companions touring with you on the identical reservation get your first checked bag free on home American Airways itineraries.
You will additionally earn 2 miles per greenback spent at gasoline stations, eating places and on eligible American Airways purchases.
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Associated: Citi’s present AAdvantage bank card presents: Every thing you might want to know
What number of card accounts can I’ve open?
Citi doesn’t appear to restrict the variety of bank cards you may have open. Nevertheless, it does appear to have a most credit score line that it’s keen to increase throughout your whole Citi playing cards.
So, when you have a minimum of one different Citi bank card and are not accredited for a brand new card, you might need to name Citi’s reconsideration line to see if shifting some credit score from one among your present playing cards will can help you open the brand new card.
Associated: What number of bank cards ought to I’ve?
Who’s eligible for a welcome bonus?
You will not be eligible to earn a welcome bonus on the Citi / AAdvantage Platinum Choose Mastercard in the event you’ve acquired a welcome bonus for the cardboard inside the final 48 months.
Particularly, the pricing and data part on the appliance web page for this card notes:
American Airways AAdvantage® bonus miles usually are not obtainable when you have acquired a brand new account bonus for a Citi® / AAdvantage® Platinum Choose® account up to now 48 months or in the event you transformed one other Citi bank card account on which you earned a brand new account bonus within the final 48 months right into a Citi® / AAdvantage® Platinum Choose® account.
Associated: What you might want to learn about incomes one other American Airways card welcome bonus
Find out how to examine your credit score rating
However it’s essential to understand that you do not have only one credit score rating. As an alternative, there are completely different calculation strategies, resembling FICO Rating and VantageScore, and completely different credit score reporting businesses, resembling TransUnion and Experian.
Your credit score rating will range primarily based on the calculation technique and credit score reporting company that’s used.
Associated: 6 issues to do to enhance your credit score
Components that have an effect on your credit score rating
As soon as you recognize your credit score rating vary, you might marvel what elements have an effect on your credit score rating. There are a couple of formulation for calculating your credit score rating, however not one of the precise calculations are public.
This being stated, FICO is comparatively clear concerning the various factors they assess and the way a lot weight every is given:
- Cost historical past (35%): Whether or not you’ve got paid previous credit score accounts on time
- Quantities owed (30%): The relative dimension of your present debt and the ratio of your present debt to your obtainable credit score
- Size of credit score historical past (15%): How lengthy your credit score accounts have been established (together with the age of your oldest account, the age of your latest account and the common age of all of your accounts), how lengthy sure credit score accounts have been established and the way lengthy it has been because you used sure accounts
- New credit score (10%): The variety of accounts you’ve got opened just lately
- Credit score combine (10%): The variety of several types of credit score accounts you have got. This contains bank cards, retail accounts, installment loans, finance firm accounts and mortgage loans
Associated: 4 frequent credit score rating myths
What to do in the event you get rejected
In case your utility is rejected, you will get a letter within the mail that states why Citi turned down your utility. Relying on the explanations given for the rejection, you might need to use this info to enhance your credit score rating earlier than making use of once more.
Or, in the event you consider you may present further info which may result in approval of your utility, you may name Citi’s reconsideration line at 1-800-695-5171 and make your case.
You will need to clarify that you simply just lately utilized for the Citi / AAdvantage Platinum Choose World Elite Mastercard, had been stunned to see that your utility was rejected and ask to talk to somebody about getting that call reconsidered.
As soon as the agent pulls up your utility, be ready to current a compelling argument for why Citi ought to approve your utility.
Associated: 5 issues to examine earlier than making use of to your subsequent bank card
How lengthy to attend earlier than making use of once more
It is best to keep away from making use of once more for a Citi card till you’ve got addressed the explanations Citi gave for rejecting you.
However, if you wish to apply once more or apply for a distinct Citi card, the consensus is that you could solely apply for one Citi card (private or enterprise) each eight days and not more than two playing cards in a 65-day window.
Associated: The final word information to bank card utility restrictions
Do you get lounge entry?
No, you don’t get lounge entry as a cardholder of the Citi / AAdvantage Platinum Choose Mastercard.
In the event you’re on the lookout for Admirals Membership entry when flying American Airways, it’s best to think about the $595 annual charge Citi® / AAdvantage® Government World Elite Mastercard® (see charges and costs).
This card gives full membership entry privileges to Admirals Membership lounges for the first cardholder.
Associated: Greatest bank cards for airport lounge entry
Do you get a free checked bag?
As a Citi / AAdvantage Platinum Choose cardholder, you and as much as 4 companions touring with you on the identical reservation will every get a primary checked bag free on home itineraries marketed by American Airways and operated by American Airways or American Eagle.
To make the most of this profit, your bank card account should be open a minimum of seven days earlier than journey, and the reservation should embrace the first bank card member’s American Airways AAdvantage quantity a minimum of seven days earlier than journey. Obese and oversize charges nonetheless apply.
Associated: Find out how to keep away from checked baggage charges on main home airways
Backside line
There isn’t any single finest bank card for American Airways flyers. As an alternative, the finest card for you is dependent upon what you are on the lookout for in a card. The Citi / AAdvantage Platinum Choose and AAdvantage® Aviator® Purple World Elite Mastercard are each good choices for American Airways vacationers who fly with the airline continuously sufficient to get a minimum of $99 of worth from the cardboard’s checked bag allowance on home American Airways itineraries.
The data for the AAdvantage Aviator Purple card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
These playing cards have completely different incomes charges and advantages, so that you simply must resolve which card’s advantages you like.
Be taught extra: Citi / AAdvantage Platinum Choose World Elite Mastercard full evaluate
