Why I’m Keeping My Citi AAdvantage Amex Card

My annual fee also just posted on my Citi AAdvantage Amex card. I originally got both a Citi AA Amex and a Citi AA Visa card two years ago for 50k miles each. Last year, I cancelled my Visa card and ended up getting a retention offer on my Amex of a $95 statement credit and 1000 bonus miles for every statement in which I charge $1000 or more for the next 16 statements. I was glad to keep one card, as I still valued the 10% rebate on redeemed miles up to 10,000 miles per year.

This time around, I honestly didn’t care about keeping the card. The only benefit that I really value is the 10% rebate on redeemed miles, but I have an old Barclays US Airways card that gives 10k anniversary miles every year, and that card will be transitioned to a new card that offers the rebate benefit. Since I’m assuming that the benefits won’t stack (although who knows for sure), I wasn’t going to get any meaningful incremental benefit by keeping this card, so I called to cancel.

I was pretty adamant about canceling the card when I called in, and I have spent less than $5000 on the card in the past year. But lo and behold, they gave me a retention offer of a $95 statement credit for making 5 purchases within the next 3 months. Sure, I’ll take that offer, as this means that I can also keep another Amex card for Small Business Saturday.

Moral of the story: call in to cancel your cards–you might get a retention offer to change your mind.


    1. Most Citi AA Platinum cards are issued as a Visa, but they are also issued as an AMEX. There are a few other travel credit cards that use the AMEX payment network but are issued by other banks.

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