airline status

Are the Changes to Citi AAdvantage Business World Elite Mastercard a game changer?

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I have a couple of small businesses and like all good churners I have a few business credit cards for those purposes. This includes the Citibank American Airlines Work Elite Mastercard. It’s always been an OK card with decent earn rates towards American Airlines AAdvantage miles and the sign-up bonus was good. It’s good for small businesses where you can add and manage additional cardholders. To me, it was about like their other personal platinum-flavored cards. It usually offers a SUB of around 70,000’ish miles and a low annual fee. Earns 2x on some things like telecommunications and 2x on gas as long as you only want 1x loyalty points for that with the other 1x being “bonus” miles only. Yawn.

This card is not to be confused with the Barclay Aviator Business card but yet it’s about the same.

So why are we talking about this card now and how could it be a game changer for a few select people chasing status or benefits?

They are changing this card and how it’s going to reward you.

Citibank just released changes to this card as follows:

Enjoy your new, exclusive AAdvantage Business™ membership benefits as a Citi® / AAdvantage Business™ cardmember, now available to you and your Authorized Users.

 
 What’s new 
 
 • We’ve updated our name to Citi®/ AAdvantage Business™ World Elite Mastercard® to better reflect the new value of your added benefits with the AAdvantage Business™ program. You will not be immediately reissued a new card with this change. 
 
 • With your AAdvantage Business™ membership, miles your company earns from eligible purchases made with the Citi® / AAdvantage Business™ card will now accrue to your AAdvantage Business™ account. They can be distributed to any registered employee at no cost, for use on flights, upgrades, car rentals and more. 
 
 • Each registered cardmember, the Primary and any Authorized Users, earns Loyalty Points toward status from eligible purchases made with the Citi® / AAdvantage Business™ card in their name. 
 
 
 • As a Citi® / AAdvantage Business™ cardmember, your company enjoys waived program requirements. Your miles are always available for you to use, no need to meet the $5,000 spend and 5 traveler minimums. 
 
 Same great benefits 
 
 • Continue to earn 2X miles on eligible American Airlines purchases, 2X miles at telecommunications merchants and cable and satellite providers, and 2X miles on car rental merchants and at gas stations 
 
 • Earn 1 mile for every $1 spent on all other eligible purchases made with your Citi® / AAdvantage Business™ card. 
 
 • As the Primary Cardmember, you’ll continue to enjoy your first checked bag free on domestic American Airlines itineraries, plus preferred boarding on American Airlines flights. 
 
 If you haven’t already, invite your Authorized Users and employees to register with your AAdvantage Business™ account and start earning miles for your business right away. Authorized Users must register to participate in the AAdvantage Business™ program, or their card account may be closed. Visit the travel management portal to get started.

So what? Well, look at the fine print. “In Theory” it seems that your employees (or other additional cardholders in 2-player mode) will earn 1x loyalty points on purchases but as the “business owner,” you will also earn 1x loyalty points on those purchases. While higher-level cards may earn high-level spending bonuses this is pretty sweet but not unusual.

But…Imagine if you will, you have a small business and you have your wife, your college student child, and your deadbeat cousin, and some actual, good employees all spending on this card. It “seems” like “In Theory” that all that cash flow going through those employee cards you would earn extra loyalty points plus business points for what they are doing daily like buying gas. Imagine you have a thriving small business where you have 10 or 20 employees doing this. Citi includes a graphic on this as well to prove my point.

Here it is again from their FAQ:

“Miles earned from the Primary Cardmember and Authorized Users post to the company’s AAdvantage Business™ account. Each card member (Primary and employee) earns Loyalty Points on their card purchases. Loyalty Points earned by the Primary Cardmember post to the Primary’s AAdvantage® account. Loyalty Points earned by the employee post to the employee’s AAdvantage® account.”

Now, maybe it’s not the big of a deal as a standard additional cardholder on your personal account would also contribute to your loyalty points but this allows you to have many employees contribute from the way I read this.

If you are looking to sign up and get the best sign-up bonus for such a card I’d suggest checking out the Frequent Miler blog’s “Best Offers” page as a good place to start your research.

Ever Wonder If – Those “Buy Extra Miles” at airport check-in are a good deal.

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Sure we’ve all been there. You are rushing around getting ready for your trip and you jump online to check in for your flight, “pick and pray” on the seat selector without the advantage of SeatGuru available. You worry about how to print the boarding pass in a hotel lobby with 5 printers that all lack ink and IT support.

Or Maybe you’re doing it on the fly at the airport Kiosk, worried about dropping your bags or passport while the amateur travelers all around you wonder at your kiosk skills and how cool a jet-setter like you looks.

Then BANG you get the “Mileage Multiplier” !!!

Wait!!! HOLD THE PLANE. YOU mean for just a bit more money I can get 5,000 extra miles to add to my Euro Trip Vacation stash.

Oh it must be a good deal because after all I’m flying already and only people checking in will be able to gain these extra miles at such a good value. I can see myself drinking champagne in crystal fluted glasses in first class. Or is that sparkling wine in plastic cups?

But wait is it a good deal? It must be but I can’t do the math in my head, too much going on. UGGGG. Not sure what to do! Pull the trigger or pass up the “deal of the century”. Oh the pressure.

OK let’s not do math, let’s just compare. If you don’t even have a reservation but log into AA.com (in this case). Go to the Buy, Gift and Transfer miles page and you’ll find this price:

That’s right my friends you would have just paid $12.03 too much for those miles at check-in. Feel special yet? Oh and there is more. That’s without taking advantage of the frequent or current mile buy deals for buying more miles.

Sure $461.99 is a lot to spend on miles but this is just a hint that those miles at check-in aren’t usually a good deal. As a rule of thumb if you aren’t seeing “buy miles” deals at less than 2 cents per mile it isn’t usually a great deal. In fact buying miles rarely is a good deal to buy on speculation. It can pay off to buy miles to put you over the top for a premium cabin redemption but I’ve never seen it be a good deal at check-in. I assume there are folks that can sneak this through on an expense account but most of us live in the real world and have morals.

Oh and those travel bloggers that help us all out by telling us about the latest mile buying promotions or top travel gadgets to buy from Amazon can be helpful if you have the need. Remember though that most are doing this as a way to may affiliate revenue. They get money when you click through many of the deals they post. Doesn’t make it wrong but just do it eyes-wide open. In fact when I do take advantage of things like this or credit card sign-ups I try to do it through blogs I like to support them. Some of them also lack morals so use caution.

Side Note: I pick on American Airlines here but most airline check-in deals aren’t worth it. Just remember if the price for those 5,000 miles is higher than $100 you are paying too much. Less than that could be a good deal and a unicorn. Maybe like a unicorn using a kiosk at the airport 🙂

Should I buy the AA Platinum Upgrade offer or just do the UA Economy Plus Subscription?

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So in 2017 I was Gold with American Airlines. I reached that again by mid year but managed to miss Platinum by a hair at the end of the year. I just didn’t see the profit in doing a mileage run. So far in 2018 I have some AA flights booked and some long haul award trips on AA but some of my business trips have been moved over to United for various reasons in this first Quarter.

So here comes the offers. I can buy up to Platinum on AA for $795

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But after thinking about it I don’t think it’s worth that much to me. Sure I might see a few additional domestic upgrades but the main value is the MCE seats. And if I’m stuck flying United more than normal in 2018 I might be better off to just get an Economy Plus subscription for $499.

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I’m not sure it’s worth it for either one. I actually wish AA would have given me a bit cheaper of an option to move up to Platinum since I was so close but at least I’m still Gold with a bunch of 500 mile stickers for now. I don’t think it’s worth it to do a status match with United either but we’ll see.