Many of the credit card offers below have expired, so their links have been removed. Click here for the top current credit card sign up bonuses.
Yesterday I got an email with the subject line “Earn 3X American Airlines AAdvantage
By clicking the button inside the email, I enrolled myself for 3 American Airlines miles per dollar at department stores, restaurants, gas stations, and grocery stores through 12/31/13 on purchases made with my Citi AAdvantage card. There is a limit of 2,500 bonus miles ($1,250 in spending) on the promotion.
Clicking “Enroll with one click >” did just what it should have, taking me to this message.
Everyone should check your email for a similar email, and enroll with one click if you can.
But should you take advantage of the offer? Or are there more valuable cards on which to spend even after this bonus? What is the best current offer on the Citi AA card?
When determining which card to spend money on, consider the rebate percentage of that spending. What percentage of your spending are you “being rebated” by the value of the miles or points earned?
The most valuable rebates will invariably come from meeting the minimum spending requirement for a sign up bonus. For instance, right now you can earn 40,000 bonus Arrival miles after spending $1,000 on the Arrival World MasterCard. Plus $1,000 spending on the card always earns 2,000 Arrival miles.
Forty-two thousand Arrival miles are worth $466.20, so the rebate percentage on the first $1,000 of spending on the card is 46.6%.
The next most valuable rebate percentages come from category bonuses. For instance, the 5 Ultimate Rewards per dollar earned on office supply purchases with the Chase Ink Bold and Plus are worth about 10 cents, so that category bonus is a 10% rebate.
This promotion creates a temporary category bonus. I value three American Airlines miles at 5.31 cents, so I will get a rebate percentage of 5.31% by spending at gas stations, grocery stores, department stores, and restaurants with my Citi AAdvantage card during this promotion.
At department stores from October 1 through December 31 this year, I will earn 5 Ultimate Rewards per dollar on my Chase Freedom, so I won’t use my Citi AAdvantage card there.
I also just opened a few new cards that have minimum spending requirements which offer a higher rebate percentage than 5.31%, so I will meet those before taking advantage of this bonus.
But if I meet those minimum spending requirements, I will pull my Citi AAdvantage card out of my wallet for $1,250 worth of spending at grocery stores, gas stations, and restaurants before the end of the year.
Best Citi AAdvantage Offer
Citi tends to send out targeted 50k offers on the card without actually restricting approvals to people who were targeted.
Application Link: Current 50k offer
This FlyerTalk thread keeps track of the highest Citi AAdvantage card offers floating around the internet if the current 50k offer goes down.
Terms and Conditions of 3x AA Miles
Here are the terms and conditions of the offer from the email and from the confirmation screen of enrollment.