Mini Credit Card Churn – Citi AA Platinum Visa and Chase Priority Club Visa

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I went for another credit card churn last week for the Citi American Airlines Platinum Select Visa and Chase Priority Club Visa card.  I call this a mini credit card churn because I only applied for two credit cards instead of a possible 3 or 4 credit cards I’ve done in the past using the multiple browser method.

50,000 American Airline Miles

80,000 Priority Club Points

80,000 Priority Club Points

The reason why I only applied for two cards is because I haven’t waited my usual 91 days before applying for another set of credit cards.  I applied for the Barclaycard Arrival World Mastercard, Barclaycard NFL card, and AMEX Blue Cash Preferred on April 2nd, but was denied for the Barclaycard NFL card as I posted about in my previous credit card churn.

I applied for the Citi American Airlines Platinum Select Visa and Chase Priority Club Visa card on May 23.  I was instantly approved for the Chase Priority Club Visa and not an instant approval for the Citicard.  I called Citicard the next day to see what I could do to get approved.  I had to verify my address by sending in a credit card statement or mortgage statement, as I mentioned before with my wife’s applications.

The reason why I applied for these two cards is because I had a feeling that the Citi American Airlines Platinum Select Visa 50,000 mileage bonus could end at anytime.  This is because it was the only first year waived fee personal credit card on the market with a 50,000 mileage bonus.  About 2 weeks later after I applied, the sign up bonus dropped from 50,000 to 40,000 miles.  I also applied for the Chase Priority Club Visa card because I knew the hard credit inquiries would most likely combine, and just result in one hard inquiry.  My credit score reported by Credit Karma is 757.  Note: Credit Karma is an estimate of your credit score and a free FAKO score, read more about FAKO scores here.

Credit Karma Credit Score as of 6/4/13

Credit Karma Credit Score as of 6/4/13

I’m surprised that my credit score jumped up to 757 while credit card churning.  However your credit score should be improving if you pay in full and in time because you receive more credit from credit card companies.  Therefore, I’m not that surprised. Your credit utilization rate should go down, which makes up about 30% of your credit score according to myFICO.

The results of my mini credit card churn were successful and I was approved for both credit cards.  I’m happy that I got the 50,000 AA mile offer through Flyertalk and the 80,000 Priority Club Points to come.  After meeting the minimum spends, I’ll earn about $1,600 in points when I value AA miles at 1.6 cents and Priority Club points at 1 cent a piece.  The 80,000 Priority Club offer is still available through Flyertalk, but only the 40,000 Citi AA Platinum Visa card is available now.  I still think 40,000 AA miles is a great deal, especially with the 10% AA miles point rebate.  I value AA miles higher than UR points, so I value the Citicard AA 40K offer higher than the Chase Sapphire Preferred 40K offer.  However, I would say they are both great cards and worth getting especially with $0 annual fee the first year.

Application Links:

Disclaimer: I don’t recommend applying for many cards if you are applying for a big loan within the next year.  I also don’t recommend applying for any credit cards at all if you do not pay in full and in time.  Be sure to know your credit score and situation before applying.  I don’t receive a commission for the Priority Club Visa, but may for the Credit Karma offers.  All mentioned offers are the best offers as of this posting date. 


20 comments for “Mini Credit Card Churn – Citi AA Platinum Visa and Chase Priority Club Visa

  1. Frugal Guy
    June 7, 2013 at 6:23 am

    Hi Rom, congratulations on your two new cards. Sorry to hear your bad story on Barclaycard NFL. Actually me too and I was also denied for US Bank Club Calson. I have a sufficient salary, no late payment, and long enough credit history. So the only thing that can cause my deny is “Too many recent inquiries”, which, unfortunately, I do. I am told for Club Carlson, you probably had better to stop applying new cards for more than half a year to try it. How do you like this? Too long to hold?

    For other readers: really be aware the warning about Barclaycard and US Bank. They are indeed much picky than bigger ones like chase, citi, AMEX, and BOA. So you had better not have more than one or two inquiries within 6 months before you apply. They do deny you even if you have high pay, low balance and clean history. Well, I guess some people won’t believe what I say here until they are denied. In that case, just try. You will learn.

    • June 7, 2013 at 8:49 am

      Your analysis is quite accurate. Barclays and US Bank are the most strict. Chase is still my favorite. I have 9 cards with them! :)

  2. Scott
    June 7, 2013 at 11:44 am

    Did your inquiries, in fact, combine? I was under the impression that inquiries from different banks would not combine. Even Chase business and personal don’t seem to combine for me.

    • June 7, 2013 at 12:19 pm

      I’m not sure it combined, I think applying at the same time made it look like I was applying for just one card. I see both inquiries on my experian account.

      • Paul
        June 9, 2013 at 1:38 am

        Different banks, even on same day will never combine. Don’t know how you thought they would.

        • June 9, 2013 at 4:10 pm

          Yeah they don’t combine, but it makes it look like you are applying for just one card. Both inquiries will still show up.

  3. andreas
    June 8, 2013 at 6:03 pm

    Congrats on the new cards. I have the chase PC card and it’s amazing. I booked 2 nights in suite at a nice hotel in London. I don’t calculate savings using retail prices but they were $800/night.

    I made the mistake of not signing up for citi cards as I was carrying a 0% intro apr balance. It cost me dearly. Wish I had listened to you :(

    • June 8, 2013 at 7:30 pm

      The 40K AA offer is still a great deal. AA miles are the best miles out there.

  4. webazoid
    June 9, 2013 at 4:18 pm

    you should consider applying to bofa hawaiian airlines biz card for 35k miles:

    Seems like the 35k BOH/Fia/BOFA personal cards are no longer available. I jumped on this this weekend and got pending for the BOFA biz card.

    • June 9, 2013 at 9:52 pm

      Awww… I was thinking about the 35K BOH personal card in the future. I’ll consider the business version. Thanks!

  5. Shawn
    June 11, 2013 at 8:48 pm

    Hi Rom. Love the site! I think I’m about to apply for the AA Citi Platnum card and the Chase Ink Bold card. Should yield me about 90,000 points for just these 2 plus then 8K spending. I know there will be 2 hard inquiries on my report (don’t think that’s. big deal as I have a credit karma score of about 780) and so long as I pay on time should get those points back in a few months. (Heck I got the Marriott card little over 2 months ago and my score immed went up by 15 points). My question is should I apply for both on the same day? If not how long apart? Any other insight u might have would be appreciated. This is my first time applying for 2 cards at once.
    Thank you!

    • June 11, 2013 at 11:05 pm

      Apply at the same time even though you get two inquiries. The bank might not see the other inquiry when you are applying so heightens the chance of instant approvals.

      Call right away if not instantly approved.

      Let me know if you have any questions. I have the best offers for those two cards in my banner link, if you happen to apply there I would appreciate it a lot, thanks!

  6. webazoid
    June 11, 2013 at 11:06 pm

    a great deal right now is the united mileage plus explorer business card for 50k after $2k spent. just sign onto ur account to see if you qualify. at middle right section beneath login, there will be an add that appaers for 50k miles if u have been preselected. click on that and click upper right for biz card. best deal ever for this card.

    • June 12, 2013 at 7:16 am

      Thanks for the info, unfortunately I don’t see the offer. It’s probably a targeted offer, but it sounds like a great deal!

  7. Kaziopeia
    June 14, 2013 at 8:22 am

    Just to let everyone know. I applied through the link on this page and got approved for the Chase Priority Club 80K points offer :)

    • June 14, 2013 at 8:51 am

      Great to hear! I just met my min spend and should have 80k soon..

  8. Gooshey
    July 19, 2013 at 6:33 am

    Does using Credit Karma result in any credit service inquiry or is it just a proforma analysis of what they estimate your FICO score to be??

    Is it a secure site?

    I started to use them and found that they wanted my social security number and wondered why.

    Do you have any idea how they arrive at a score?

    Appreciate any feedback.


    • July 19, 2013 at 9:01 am

      It does not result in a an inquiry nor does it affect your score. It’s a secure site. They get info from credit bureaus I believe and estimate your score. It’s not your FICO score but close to it.

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