Link: Apply now for the Citi® / AAdvantage Business™ World Elite Mastercard®
I’ve just been approved for my latest credit card, the Citi® / AAdvantage Business™ World Elite Mastercard® (review). In this post I wanted to explain why I applied, talk about the application restrictions, and share my experience getting approved.
Why I applied for the Citi Business AAdvantage Card
At the moment, the Citi AAdvantage Business Card has a limited time welcome offer of 75,000 AAdvantage miles after spending $5,000 within the first five months. This is an excellent bonus, among the best we’ve seen on the card. There are lots of great uses of AAdvantage miles, and you can never have enough of them.
There are many reasons to consider picking up this card. In my case, it came down the bonus miles, plus the benefits that having this card offers in conjunction with the AAdvantage Business program. The AAdvantage Business program lets you earn bonus miles for your small business travel, and it’s easier to actually cash out those miles if you have the Citi AAdvantage Business Card (otherwise there are limits on how many people need to be on your account, and how much they need to spend).
Lastly, picking up the card is about as low risk as it gets, as the card’s $99 annual fee is even waived for the first 12 months. You can’t beat that!
The basics of Citi’s card application restrictions
When it comes to getting approved for the Citi AAdvantage Business Card, there are just a couple of main restrictions to be aware of:
- In line with Citi’s general application restrictions, you can typically be approved for at most one Citi card every eight days, and at most two Citi cards every 65 days
- In line with Citi’s 48-month rule, you can only earn the welcome bonus on this card if you haven’t received a welcome bonus on this exact card in the past 48 months (that timeline is based on when you received the bonus, and not based on when you opened or closed the card)
For what it’s worth, I haven’t had this exact card since July 2019, and that’s when I closed the card, rather than when I earned the bonus. So I was in the clear for picking up this card again, and being eligible for the bonus.
By the way, let me share one other consideration I had. I’m trying to stay under Chase’s 5/24 limit (even though there are mixed reports as to whether it’s still enforced). Fortunately applying for Citi business cards doesn’t count as a further card toward that limit.
My experience applying for the Citi Business AAdvantage Card
As I started my Citi AAdvantage Business Card application, I wasn’t sure what the result would be. My last Citi application was roughly a year ago, and I was outright denied, which was my first card denial in many years. I was worried that might happen again. However, that was a personal card, while this is a business card, and those can often lead to very different outcomes.
I found the Citi application experience to be straightforward. I just had to enter some basic business information, and then also some basic personal information.
I was pleasantly surprised that upon submitting my application, I received instant approval!
Talk about an easy 75,000 AAdvantage miles with the annual fee waived the first year, plus no impact toward the 5/24 limit. I’ll take it!
Bottom line
I’ve been meaning to apply for the Citi AAdvantage Business Card due to the limited time welcome offer that’s currently available. I finally submitted an application, and was happy to learn that I was instantly approved, especially given my previous denial with Citi.
I’m thrilled to have been approved for the card, getting me 75,000 AAdvantage miles plus unlocking more value from the AAdvantage Business program. So if you’ve been on the fence about applying for this card, here’s at least one positive data point about getting approved…
If you’ve applied for the Citi AAdvantage Business Card, what was your experience like?
