This guide covers the process for repeatedly getting Citi AA cards. This includes the process, information and limits to know about signing up, and what to do once you have a stack of these cards.
Citi has a restriction on most of their card applications which states that if you’ve opened or closed a card in that product family in the last 24 months you cannot get a bonus for a card in that family. If someone opened a card with an AA bonus in the last year, for example, they can’t apply for a new one using an application that has this restriction.
Most (all?) of Citi’s public applications contain this 24 month restriction, essentially limiting people to one card every 24 months. However, Citi sends out mailers for the personal and business versions of the AA Platinum card that do not have such a restriction. As such, it is possible to get these cards even if one has opened or closed one in the last 24 months. People have gotten 2, 3, even 10+ cards in a relatively short amount of time by using non-restricted-mailers over and over. This is often referred to as the "grAAvy train."
There are two types of mailers.
Some have a 12 digit code; these can only be used by the recipient.
Other have a 9 digit code; these mailers are addressed to certain people but can be used by someone other than the recipient. As of October 2018, it seems personal mailers can only be used once. Once someone submits an application the code doesn't work anymore.
A business mailer can be used by multiple people as long as the recipient doesn’t use it. There are DPs of dozens of people using a single mailer. As of March 2019, business mailers are also one-time-use.
The recommendation used to be every 90 days. However, every ~75 works if using EIN every time.
If using SSN as the tax ID, need to wait 90 days after application date of previously-approved biz app. Note it's application date, not approval date. If you applied on Day 0 and were approved 10 days later, you could apply for the next one 91 days after the original application (80-ish days after approval).
If using EIN as tax ID, need to wait approximately 75 days after application date of previously-approved biz app. Same note as above re: application vs approval date. 1 every ~75 days with EIN. People have tried under 70 and it didn't work.
Most efficient is to use EIN every time and apply every approximately 75 days.
The restriction is one card in an 8 day period, and 2 in 60 days. People commonly say 65 but that's to be safe because Citi's system sometimes miscalculates. Day 61 is fine and if needed, can recon and they'll manually push through.
Some people get locked into 1/60 instead of 2/60.
There are consequently several strategies.