The Points Mom

I Downgraded My CitiBusiness/AAdvantage Platinum Select World MasterCard For A CitiBusiness ThankYou Card In Its Place

UnknownA few years ago, I got a CitiBusiness/AAdvantage Platinum Select World MasterCard and earned 45,000 American Airlines AAdvantage bonus miles.  As I wrote in that post, once I earned the bonus with the card, I retired the card from my wallet.

In 2015, I received a bill for the $95 annual fee.  I did not want to pay the annual fee for a card that I did not use so I called Citi to negotiate.  I ended up accepting a deal in which I spent $100 on the card in a month and Citi credited me back $75 of the $95 annual fee.

This year, in 2016, I once again received a bill for the $95 annual fee and once again called Citi in hopes they would assign me a spending task and thereafter reduce or waive the fee.  Not this year.  Instead, they changed my card to the No-Fee CitiBusiness ThankYou card.  I actually do not yet have any cards that earn Citi ThankYou points so this could ultimately be a useful card should I ever start to accumulate ThankYou points.

With the card, I earn 3 ThankYou points for every $1 spent on purchases in quarterly rotating business categories.  This is like the Chase Freedom card.  The 2016 categories are as follows:

January-March-Office supply merchants, advertising services and professional services

April-June-Computer equipment and software merchants, and telecommunications merchants

July-September-Airlines, hotels and car rental merchants

October-December-Restaurants and entertainment

You earn 1 point for every dollar you spend on other purchases.