Is This the Worst Authorized User Offer of All Time???

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Citi Is Sending out Truly Horrible Authorized User Offers

Citi Is Sending out Truly Horrible Authorized User Offers

PDX Deals Guy got an interesting email from Citibank last week for his wife’s Citi Prestige card.  By interesting I mean that it is so horribly awful that it is comical.  And Doctor of Credit has been reporting that other Citi cards have been sending out equally horrible offers.

Details on the Authorized User Offer

The details on the Citi Prestige offer are as follows:

  • Add the authorized user (AU)
  • Pay $50 to add the authorized user
  • The AU needs to spend $3,000 dollar on the card within 3 months
  • You get 3,000 ThankYou points

Yes you read that right THREE THOUSAND DOLLARS in spend, lol.  What are they thinking?  So you pay $50, spend $3000 on a card, and get a measly 3,000 points.  It is essentially earning an extra point per dollar but you HAVE to spend $3,000 just to get it that. This is epically bad.

Citi doubled down on this craziness and offered similar offers for their other cards highlighted in the Doctor of Credit article linked above:

  • 2,500 American Airlines miles after $3,000 in spend
  • $25 credit after $3,000 in spend on the Simplicity card

Citi Is Sending out Truly Horrible Authorized User Offers


These offers are insultingly bad.  It would be easier to rack up 3,000 points by buying 6 $500 Visa gift cards.  That would also come in cheaper than the $50 fee for adding the authorized.

I am not sure who would be enticed by this.  You could earn 50,000 points easily from numerous cards for the same spend.  At least American Express understands how to put together compelling AU offers!


What are the worst AU offers you have ever seen?  Let me know in the comments section.


Mark Ostermann
Mark Ostermann is a father, husband and miles/points fanatic. He left the corporate world after starting a family in order to be a stay at home dad. Mark is constantly looking at ways to save money and stay within budget while also taking awesome vacations with his family. When he isn't caring for his family or taking a weekend trip, Mark is working towards his goal of visiting every Major League Baseball ballpark.

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  1. the aa advantage i got yesterday is really insane. 4,000 miles in 4 months plus more junk. i like my cards to work for me not me work for them.

  2. Saw this offer pop up when I logged in to my Prestige account….awhile ago it was 2,500 TYP for, I think $2,500 spend for adding an authorized user on Prestige. Insultingly bad indeed. I bet they get some suckers to bite though.

  3. Literally laughed when I saw the offers…Got both…
    As it is, AA miles have become worthless. Thank You Rewards, not that much better…

      • Really surprised to see you write this re: AA – it is the largest (by many statistics at least) airline in the world. AA miles may be hard(er) to redeem these days, but in terms of getting a person from Point A to Point B…come on! Some extra effort with working their system can still take you a very long way.

        • AA for sure has their sweet spots but they have gone from the most desired mile to, maybe, the least desired mile in about 2 years. I find myself using BA miles to fly AA domestically more than AA’s own miles. And getting a good redemption to Europe is a huge struggle. To get to Asia etc. they are great…but I don’t have any plans in the near future to head that way.

          As I have always said everyone has their own valuations/favorite miles…these don’t fall into those categories for me.

          • I think it’s a brave new points & miles world – “norms” & practices have changed and consumer expectations might need to a little as well.

  4. I believe the $50 AU fee includes a priority pass for the AU, so it’s not as bad as it sounds (at least, if your AU can take advantage of it). Some cards let the AU also obtain the $100/5 yr Global Entry benefit.

    • It does but I always assume everyone has PP from some other card. The 3k for 3k is the really terrible part imo.

  5. The offer on my Citi Biz Plat AA card is a little different:


    after you add an Employee Card and spend $2,500 on purchases between 01/01/2018 and 03/31/2018.

    If I use on non-bonus spend (thinking car insurance), double AA miles isn’t bad at 3 cents (1.
    5 x 2). Better than I can do on single points elsewhere, even SPG, which is where I would typically put this type spend,

    The spend doesn’t have to be on the employee card, so I am good with double AA miles! I sure wouldn’t pay to add an AU to this account, tho!

    • I would agree if you were going to put that spend on the card anyway then it is a nice bonus. But I wouldn’t go out of my way to spend on it.

      • My point is I have PLENTY of non-bonus spend, & this offer provides the most points/miles I can currently earn for single points/miles (non-bonus spend) without opening a new credit line for MYSELF!

        This is a double-mile offer – not bad & certainly not the hideously bad deal you are making it out to be.

        I was having to make the spend anyway…so this is its best application. Or do you have another idea for paying insurance premiums I s/b made aware?

        • primary emphasis with point/mile earning is to maximize my existing credit lines & NOT churn & burn so please consider the source!

          • Pam as I have always said everyone has their own goals and their own view on things. If this works for you then that is great. I can see why you would find value in it. I don’t value AA miles very highly – lowest of the domestic carriers…mainly because I am in a Delta hub so I put those above AA miles.

            I would rather put that 2.5k in spend on a new card sign up or the Blue for Biz Plus or Freedom Unlimited etc. but if you need/want AA miles then this can work for you.

            But let’s not pretend that these are not the worst AU offers on the market by far. Chase gives you 5k in points just for adding an AU and making one purchase. These are as bad as it gets – no way around it imo.


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