What credit score rating do you want to get the Citi / AAdvantage Platinum Choose World Elite Mastercard?

Citi is a TPG promoting associate.

The Citi® / AAdvantage® Platinum Choose® World Elite Mastercard® is a stable choice for American Airways vacationers searching for their first checked bag free on home flights.

You possibly can spend towards Million Miler standing and construct up your AAdvantage mileage steadiness on your subsequent journey. For those who’re contemplating making use of for the Citi / AAdvantage Platinum Choose, it’s possible you’ll be unsure whether or not you have got a excessive sufficient credit score rating to be accredited. Here is what it is best to know.

The knowledge 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 supplied by the cardboard issuer.

What credit score rating qualifies for approval?

Citi would 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 issues issuers bear in mind when deciding whether or not to approve a client for a card.

However you may typically want a good credit score rating of a minimum of 670 or larger to be accredited for a rewards bank card just like the Citi / AAdvantage Platinum Choose Mastercard. That stated, it is attainable to get denied in case your rating is excessive, even when different features of your credit score portfolio could also be interesting to the issuer.

Associated studying: Why good credit score is vital to constructing your level wealth

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 well worth the $99 annual payment (waived for the primary yr) even in the event you solely fly American Airways domestically just a few instances per yr.

It is 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.

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You will additionally earn 2 miles per greenback spent at fuel stations, eating places and on eligible American Airways purchases.

Associated studying: Citi / AAdvantage Platinum Choose card evaluation

What number of card accounts can I’ve open?

Citi seemingly would not restrict the general variety of bank cards you may have open. Nevertheless, Citi does appear to have a most credit score line that it’s keen to increase throughout your entire Citi playing cards.

So, when you have a minimum of one different Citi bank card and are not accredited for a brand new card, it’s possible you’ll need to name Citi’s reconsideration line to see if shifting some credit score from one in all your present playing cards will assist you to open the brand new card.

Associated studying: What number of bank cards do you have got?

Who’s eligible for a sign-up bonus?

You will not be eligible to earn a sign-up bonus on the Citi / AAdvantage Platinum Choose Mastercard in the event you’ve obtained a sign-up bonus for the cardboard inside the final 48 months. Particularly, the pricing and data part on the applying web page for this card notes:

American Airways AAdvantage® bonus miles will not be out there when you have obtained a brand new account bonus for a Citi® / AAdvantage® Platinum Choose® account prior to now 48 months.

Associated studying: Incomes one other AAdvantage card sign-up bonus: What you want to know

Easy methods to examine your credit score rating

There are a lot of methods to examine your credit score rating free of charge. For instance, many bank cards allow you to examine your FICO rating for gratis to you. It is a good suggestion to trace the development of your rating over time, particularly in the event you’re working to enhance your credit score rating.


Nevertheless it’s necessary to comprehend that you do not have only one credit score rating. As an alternative, there are completely different calculation strategies, reminiscent of FICO Rating and VantageScore, and completely different credit score reporting businesses, reminiscent of TransUnion and Experian.

Your credit score rating will differ based mostly on the calculation methodology and credit score reporting company that’s used.

Associated studying: 6 issues to do to enhance your credit score

Components that have an effect on your credit score rating

As soon as you realize your credit score rating vary, it’s possible you’ll marvel what components have an effect on your credit score rating. There are just a few formulation for calculating your credit score rating, however not one of the precise calculations are public.


This being stated, FICO is comparatively clear in regards to the various factors they assess and the way a lot weight every is given:

What to do in the event you get rejected

In case your utility is rejected, you may get a letter within the mail that states why Citi turned down your utility. Relying on the explanations given for the rejection, it’s possible you’ll 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 extra info that 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 just not too long ago utilized for the Citi / AAdvantage Platinum Choose World Elite Mastercard, have been shocked 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 studying: How dangerous is it to get denied for a 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 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 studying: The last 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.


For those who’re searching for Admirals Membership entry when flying American Airways, it is best to contemplate the $595 annual payment Citi® / AAdvantage® Govt World Elite Mastercard® (see charges and charges).

This card supplies full membership entry privileges to Admirals Membership lounges for the first cardholder.

Associated studying: Finest bank cards for airport lounge entry

Do you get a free checked bag?

As a cardholder of the Citi AAdvantage Platinum Choose, 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 which can be marketed by American Airways and operated by American Airways or American Eagle.

To reap the benefits 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 studying: Easy methods to keep away from checked baggage charges on main home airways

Backside line

There is not any single finest bank card for American Airways flyers. As an alternative, the finest card for you relies on what you are searching for in a card. The Citi / AAdvantage Platinum Choose and AAdvantage Aviator Purple are each good choices for American Airways vacationers who fly with the airline regularly sufficient to get a minimum of $99 of worth from the cardboard’s checked bag allowance on home American Airways itineraries.

These playing cards have completely different incomes charges and advantages, so that you simply must determine which card’s advantages you favor.

*The Factors Man credit score ranges are derived from FICO® Rating 8, which is one in all many several types of credit score scores. For those who apply for a bank card, the lender might use a distinct credit score rating when contemplating your utility for credit score.

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