Citi Platinum American Express Card Annual Fee $99

Link

Note This is a Charge Card and not a credit card. Free first year but $99 annual fee after first year unless you got a Citigold account.

Earn great rewards, access to VIP airport lounges, companion air tickets, and 15,000 bonus ThankYou Points after $300 in purchases. You will even earn 5 ThankYou Points for every dollar spent on purchases at supermarkets, drug stores and gas stations and 3 ThankYou Points on other purchases for 24 months from the date you become a cardmember. There’s no pre-set spending limit.

IMO this is pretty hot even if you pay the annual fee as it a nice way to get 5X TYP on EDS and 3X on all other purchases. Also comes with free Priority Pass membership just like Citi Chairman card. I have a felling thoses clubs are going to start to get very crowed.

"The cost of your first 3 cardmember lounge visits waived (normally $24 per visit)"

So it's quite a bit different than the Chairman Card.

Still a good deal though.

dolmar said: Note This is a Charge Card and not a credit card.Why does it have an APR? Is there a charge card version and a credit version?

The CSR gal you talked to is smoking dope. It's a regular credit card.

However, It does seem to be medium-hot. 5x points on everyday spending, and 3x points for the first TWO YEARS.

It appears the be the ghetto version of Priority Pass, where only the first 3 lounge visits are free. Still better than a hole in the head.

Plus, 15,000 TYP after spending $300, and fee-free for the first year.

I can imagine a lot of FWFers just getting this card to rack up a ton of TY points over a year or two, then canceling and repeating!

RadagastMOD said: The limit of 75,000 TYP per year is what turns me off... That is just 25,000 in 3xpoint spending... Although, getting one for me and one for the wife bumps it to 1500 a year.

Also, the typ limit is calender year based, so i could do 25k before january, and another 25k after, and close the card paying no fees...


# Earn up to 150,000 ThankYou Points in a calendar year

Huh?

For us FWF'ers, the free identitymonitor makes this card a no-brainer; basically, it pays for the annual fee by itself since we'd monitor our credit anyway! This is especially great for the B*'ers.

It's a no preset spending limit card - probably what the CSR meant by "charge card."

Good find, OP. Thanks.

dolmar said:
LOL good point. I call up Citi PB CS rep to find out if the annual fee could be waived and was told the annual fee is waived for Citigold accounts holders. Gal told me because I have both Citigold and SB FMA I qualify for the fee waiver for this card. She said to be aware of the fact this card is a charge card and not a credit card. And if I was still interested in getting it? I said yes and gal said she would take care of ordering the card for me.

So I hope the gal I spoke too was thinking about the correct card as I asked for the card with 5X TYP in EDS and 3X for all other purchases. I told her I saw it on Citicards.com

Dolmar, this is well done. For someone who is not a frequent flyer (3 or less flights per year), this type of access to airport lounges is effectively the same as the AMEX Platinum.

Could you clarify one thing for me? Did you call the general customer service number for the Citi Private Bank, or did you speak with someone in your local office? And can you confirm that the fee waiver was based merely on having CitiGold status? Or was it that you also have an account with Smith Barney? Thanks!

dragoon976 said: For us FWF'ers, the free identitymonitor makes this card a no-brainer; basically, it pays for the annual fee by itself since we'd monitor our credit anyway! This is especially great for the B*'ers.

this thread says it only allows monthly pull, which is not really effective for b*???

Thanks, Dolmar. That's a super-helpful answer.

dolmar said: Note Lawyers Citigold account via PB do not have the same benifits that Balance qualified Citigold PB and Retail Citigold account have as Lawyers do not get fee waivers for American Airlines credit cards and debit cards nor PPE cards.

This is the official line, although you'd be surprised what the CSRs will give you, if you just ask nicely.

Woohoo! Instant online approval, 8K credit line. Per the T&C, thats the lowest they offer on this card. This brings me to 4 Citi cards total now, 18.2K total exposure.

This is IMHO by far the best Citi card out there, what with all the benefits even considering the $99 annual fee. This means that coupled with Citi's fixed flights, this card offers a whopping 6% back on ALL purchases for a full two years, and 10% on EDS. I will need to get clarification on the TY point annual limit, the main page states 150k but the T&C's state 75k.

Very nice find OP!

They must have just changed this card to an annual fee type. I applied for and received this card less than 3 months ago and it stated no annual fee. I checked my t&cs again to see if it was only for a promo of 12 months but no, there is no annual fee. I also received the 15K bonus points after first purchase - no minimum dollar amount.

dragoon976 said: SoBeyondTheNorm said: They must have just changed this card to an annual fee type. I applied for and received this card less than 3 months ago and it stated no annual fee. I checked my t&cs again to see if it was only for a promo of 12 months but no, there is no annual fee. I also received the 15K bonus points after first purchase - no minimum dollar amount.

Did you apply online? And.. just wondering -- was there a reason why you didn't post about this card with no annual fee, since that'd be a majorly hot CC deal?

Yes I applied online. I didn't post anything about in this forum because prior to that the card had been available since Citibank first offered AMEX branded cards - which I believe has been over a year. This change to a fee base is new.

DasBoot said: Thanks, Dolmar. That's a super-helpful answer.

dolmar said: Note Lawyers Citigold account via PB do not have the same benifits that Balance qualified Citigold PB and Retail Citigold account have as Lawyers do not get fee waivers for American Airlines credit cards and debit cards nor PPE cards.

This is the official line, although you'd be surprised what the CSRs will give you, if you just ask nicely.

I have fees waived on both my AA and PPE cards with my Lawyer PB/Citigold account. In fact, the fliers they handed out mentioned a fee waiver on AA Platinum credit cards. When I got my PPE card, I called my rep and she waived the fee with no questions asked,

u2head8 said: SoBeyondTheNorm said: Yes I applied online. I didn't post anything about in this forum because prior to that the card had been available since Citibank first offered AMEX branded cards - which I believe has been over a year. This change to a fee base is new.

Can you verify your benefits in detail, % of reward...etc.? It might have diff. benefits.

Yes, looking back at the documents now it appears the difference is I have no access to lounges, I just have the added concierge service(which many non annual fee cards have included). I wouldn't have applied for this particular card had it listed an annual fee for the lounge benefits because I already have the Platinum AMEX issued by American Express bank. I applied for the Citi AMEX platinum card because of the 15K bonus points and the 0% 12 month balance transfer. I wonder if they will at some point attempt to assess me the annual fee and add airport lounge access to my card. If they do, I'll close and combine with my other Citi card as I wouldn't benefit from 2 airport lounge access cards with fees.

As per T&C
Balance Transfer rate : 0% for 12 months , then purchase rate will apply
purchase rate 14.24% (prime plus 5.99)
revolving credit line $20,000 - each charge that exceeds you revolving limit will be evaluted based on account usage and performance ***
annual membership fee: NONE
Thank you network rewards. One point per dollar.

Every search now brings up the annual fee card. It's apparent the original issued card has now changed. But I found the original annoucement for the citibank AMEX cards, and the first one listed is the same one I have and specifically states no annual fee, but there is no mention of airport lounge access.

http://home3.americanexpress.com/corp/pc/2005/citi_cards.asp

dragoon976 said:

Just wondering -- do you also get free identitymonitor on your version of the card?

Nope. Per the "special offers" listed in my account summary. I'll get 30 days free, standard for all plus a $25.00 gift card for signing up - charged monthly after that , whoop!

any chance in hell that I could get my Citi Diamond Preferred Rewards AMEX upgraded to one of these badboys without reapplying?

3% on EVERYTHING = SMOKING HOT. Too bad I just finished my AOR recently and will have to wait for at least 60 days for the next Citi card application. Hopefully the deal is still available then. Thanks OP!!

Stop confusing people; you get 5, not 6, points for each dollar spent on every day purchases.

beerman2 said: any chance in hell that I could get my Citi Diamond Preferred Rewards AMEX upgraded to one of these badboys without reapplying?

Citi says that you have to apply for this card directly. You cannot convert any card to it. I tried converting my Citi Chairman AMEX...no luck. They would not let me convert my Citi Dividend either.

You can now book travel online through https://www.thankyoucompanion.com/

thats for both the companion pass and 15% off... This is much better because not only do you not have to deal with Spirit Incentives ridiculous hours but you also see just about every flight and not just the cheapest one.

When I logged in, there was an option to choose companion travel or 15% off travel. I booked a companion flight and when I logged again, the option was gone. So remember, only one per calendar year.

Citi and/or Spirit do something weird... They combine your first name and middle initial... I booked a Virgin flight using ThankYou points on thankyou.com and my middle initial was combined into my first name on my boarding pass... I had to call Virgin to fix it. I booked this last trip through thankyoucompanion.com and they did the same thing. I'll need to call Delta to fix it. You won't realize that happened until log into your frequent flyer miles account on the airline website. I don't know if you'll have trouble flying because of this, but better safe than sorry.