Why Dual Credit Card Issuers Mean We Win – For Now

I receive compensation for content and many links on this blog. American Express, Citibank, Chase, Capital One and other banks are advertising partners of this site. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same). Terms apply to the offers and benefits listed on this page.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Marriott has dual issuers – Chase and American Express – but they carve up which kind of customers each goes after. They also have a system to keep legacy customers from one issuer from getting initial bonus offers from the other issuer. For instance, a Chase Marriott business card customer can’t get a bonus for an American Express Marriott business card.

That was a surprise – both that the issuers became aligned in sharing this information but also that they got the tech done to make it happen. I have to imagine that Marriott is funding enough of the up front bonuses that they pushed for this. (A bank and travel partner are incentivized together to draw in new customers, it isn’t always the bank that is just buying points to pay for up front bonuses.)

There’s no arrangement of the sort with American Airlines and its two issuers, Citibank and Barclays. With two issuers that’s double the card opportunities, and double the bonus offers.

  • Barclays markets their cards inflight and in-airport (but not within 100 feet of an Admirals Club)
  • Citibank markets their cards everywhere else

They divide up territory rather than customers. Both Citi and Barclays have personal and small business cards. American Airlines flight attendants used to regularly announce inflight that passengers could get the card they were offering (from Barclays) even if they already had a card from Citi.

American Airlines Business Class

I like especially that there are two business cards. These cards do not add to your Chase 5/24 total making them strategically an easy decision to apply for.

I’ve had both of these cards within the past year. This is especially useful because there’s no longer a great way to earn miles through another credit card and transfer those miles to American. And for all of my criticisms, there’s no mileage currency I wind up spending more often than my AAdvantage miles.

I like that the annual fee is $0 the first year for the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® and that you don’t need to get two cards to earn the full bonus as with the Barclays product, so I think it’s the better play if you’re only going for one.

Cathay Pacific First Class

Negotiations are already underway for the next American Airlines co-brand card agreement. Since the deal with Barclays and Citi was done, they’ve seen what Chase, American Express and Marriott have done. If they take this as inspiration it may not be as easy to get up front bonuses for all the American cards in the future.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

More articles by Gary Leff »

Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. If I drop my Chase Marriott card, how long do I need to wait before American Express will give me a Marriott signup bonus?

  2. With Citi the 24 month rule that you got a bonus before is rigid.
    The question I would have is if I use it for Business X with EIN X and they I have Business Y with EIN Y Both of which are in two different lines of business would there be a problem.

Leave a Reply

Your email address will not be published. Required fields are marked *