{"id":12747,"date":"2024-04-13T14:50:19","date_gmt":"2024-04-13T07:50:19","guid":{"rendered":"https:\/\/vietpearltravel.com\/?p=12747"},"modified":"2024-04-13T14:50:19","modified_gmt":"2024-04-13T07:50:19","slug":"what-credit-score-do-you-need-to-get-the-citi-aadvantage-platinum-select-world-elite-mastercard","status":"publish","type":"post","link":"https:\/\/vietpearltravel.com\/?p=12747","title":{"rendered":"What credit score do you need to get the Citi \/ AAdvantage Platinum Select World Elite Mastercard?"},"content":{"rendered":"

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Citi is a TPG advertising partner.<\/em><\/p>\n

The Citi\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae World Elite Mastercard\u00ae<\/a> is a solid option for American Airlines travelers looking for their first checked bag free on domestic flights.<\/p>\n

You can spend toward Million Miler status<\/a> and build up<\/a> your AAdvantage mileage balance for your next trip. If you’re considering applying for the Citi \/ AAdvantage Platinum Select, you may be uncertain whether you have a high enough credit score<\/a> to be approved. Here’s what you should know.<\/p>\n

The information for the Citi \/ AAdvantage Platinum Select World Elite Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.<\/em><\/p>\n

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What credit score qualifies for approval?<\/h2>\n

Citi doesn’t publish specific credit scores needed to be accepted for its cards. After all, your credit score is just one of many considerations issuers take into account when deciding whether to approve a consumer for a card.<\/p>\n

But you’ll generally need a good credit score<\/a> of at least 670 or higher to be approved for a rewards credit card<\/a> like the Citi \/ AAdvantage Platinum Select Mastercard. That said, it’s possible to get denied if your score is high, even if other aspects of your credit portfolio may be appealing to the issuer.<\/p>\n

Related reading: Why good credit is key to building your point wealth<\/a><\/strong><\/p>\n

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What is the Citi \/ AAdvantage Platinum Select?<\/h2>\n

The Citi AAdvantage Platinum Select is a cobranded American Airlines credit card<\/a> issued by Citi. This credit card can easily be worth the $99 annual fee (waived for the first year) even if you only fly American Airlines domestically a few times per year.<\/p>\n

This is because by simply having this card you and up to four companions traveling with you on the same reservation get your first checked bag free<\/a> on domestic American Airlines itineraries.<\/p>\n

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You’ll also earn 2 miles per dollar spent at gas stations<\/a>, restaurants<\/a> and on eligible American Airlines purchases<\/a>.<\/p>\n

Related reading: Citi \/ AAdvantage Platinum Select card review<\/a><\/strong><\/p>\n

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How many card accounts can I have open?<\/h2>\n

Citi seemingly doesn’t limit the overall number of credit cards you can have open<\/a>. However, Citi does seem to have a maximum credit line<\/a> that it is willing to extend across all of your Citi cards.<\/p>\n

So, if you have at least one other Citi credit card<\/a> and aren’t approved for a new card<\/a>, you may want to call Citi’s reconsideration line to see if shifting some credit<\/a> from one of your current cards will allow you to open the new card.<\/p>\n

Related reading: How many credit cards do you have?<\/a><\/strong><\/p>\n

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Who is eligible for a sign-up bonus?<\/h2>\n

You won’t be eligible to earn a sign-up bonus on the Citi \/ AAdvantage Platinum Select Mastercard if you’ve received a sign-up bonus for the card within the last 48 months. Specifically, the pricing and information section on the application page for this card notes:<\/p>\n

American Airlines AAdvantage\u00ae bonus miles are not available if you have received a new account bonus for a Citi\u00ae \/ AAdvantage\u00ae Platinum Select\u00ae account in the past 48 months.<\/em><\/p><\/blockquote>\n

Related reading: Earning another AAdvantage card sign-up bonus: What you need to know<\/a><\/strong><\/p>\n

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How to check your credit score<\/h2>\n

There are many ways to check your credit score for free<\/a>. For example, many credit cards let you check your FICO score<\/a> at no cost to you. It’s a good idea to track the progression of your score over time, especially if you’re working to improve your credit score<\/a>.<\/p>\n

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But it’s important to realize that you don’t have just one credit score. Instead, there are different calculation methods, such as FICO Score<\/a> and VantageScore, and different credit reporting agencies, such as TransUnion and Experian.<\/p>\n

Your credit score will vary based on the calculation method and credit reporting agency that is used.<\/p>\n

Related reading: 6 things to do to improve your credit<\/a><\/strong><\/p>\n

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Factors that affect your credit score<\/h2>\n

Once you know your credit score range, you may wonder what factors affect your credit score. There are a few formulas for calculating your credit score, but none of the exact calculations are public.<\/p>\n

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PHOTO COURTESY OF FICO<\/figcaption><\/figure>\n

This being said, FICO is relatively transparent about the different factors they assess and how much weight each is given:<\/p>\n