Good morning everyone, this is going to be a short post about the retention offers I received on my 5 Citi credit cards. Before I go on, I highly recommend reading Doctor of Credit’s post on Retention Bonus Rules & Tips For Each Card Issuer – Get More Than One Bonus Each Year. I called Citi yesterday to tell them I was going to make a large “purchase” at Target with my Citi American Airlines Executive Credit Card. After the rep was able to add the spending note to my card, I asked if there were any spending or retention offers available.
Quick Tip: You can call your credit card company any time and ask if there are any spending or retention offers available, not just when your annual fee is about to post to your card.
Since the rep worked in the general support area, he transferred me to the retention department (called something different, but I don’t remember the exact name). Now that I was speaking to a “retention specialist” (not his real title, I forgot that too), I told him that I had 2 Citi American Airline Executive Credit Cards and the first one had an annual fee coming up soon. I asked him if he had any spending bonus offers available that he could add to my card. He read off these 2 offers:
- Receive 1,000 bonus American Airlines miles every month after spend $1,000 or more (valid for the next 16 months)
- Receive 2 single use Admirals Club day passes after spending $1,000 each month for the next 3 months
The decision was simple, offer 1 was much better than offer 2. I asked if he could check the offers that were available on my other Citi American Airlines Executive Credit Card and he had the exact same offers. I again took offer 1 over offer 2.
Side Note: if you do have a Citi American Airlines Executive Credit Card, you may receive 2 single use Admirals Club day passes in the mail. I received the day passes a few months after I received my card.
He asked if I had any other questions and I asked him if he had any spending bonus offers available on my Citi American Airlines Platinum Credit Card (the card that gets you 10% of your redeemed American Airlines miles back each year, up to 10,000 miles). There were no offers available, unfortunately.
He asked again if I had any other questions and I asked him if he had any spending bonus offers available on my Citi Hilton HHonors Reserve Credit Card. He started off by thanking me for having so many premium travel rewards credit cards with Citi, I thanked him and told him I love Citi. He then proceeded to read off these 2 offers:
- Receive 750 bonus Hilton HHonors points each month after spending $750 or more (valid for the next 16 months)
- Receive 5,000 bonus Hilton HHonors points after spending $1,000 in 3 months (one time)
Spending $750 every month for the next 16 months would be a piece of cake, resulting in 12,000 bonus Hilton HHonors points. But, I decided to take the easy 5,000 bonus Hilton HHonors points after spending $1,000 over the next 3 months. I would get a lot more points sooner, with much less work. Worst comes to worst, I can call back Citi in a few months and ask about their new spending offers.
Last but not least, I asked the rep if there were any spending bonuses available on my recently converted, yet to be delivered in the mail Citi Double Cash Credit Card. He said the account was too new (I guess they changed the number from my Citi Dividend Credit Card) and that there were no offers at the moment. I thanked him for all his help and that was that.
General spending bonus and retention offer notes: based on your history with that bank (number of cards, length of relationship, payment history, etc.), how much you spent on the card, and how friendly you are with the representative, you may get no offers, bad offers, or great offers. Most of the time, the offers are automatically shown on the representative’s screen and there is no way to manually add another offer to your card. You can try the hang up, call back method, but that may or may not work. You can try calling back in a few months, closer to your card anniversary, for better offers. As always, friendliness goes a long way, so please try to be friendly. It would be terrible if the representative added a note to your account saying that you were demanding, difficult, and hard to work with…
If you have any questions, please leave a comment below. Have a great day everyone!
P.S. Does anyone else think Linda Walker has way too many Citi credit cards? ;)