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5 Ways to Meet the Spending Requirement for the Citi Executive AAdvantage Card

Citi Executive AAdvantage World Mastercard 100000 mile offer

100000 mile Citi Executive AAdvantage World Mastercard

Things just keep getting better with the Citi Executive AAdvantage card. This past weekend I wrote that it was possible to get two of these cards, with some folks already reporting that the second sign-up bonus posted. Citi was handing these cards out like candy, without giving anyone grief for already having the same card. Now there are reports of a third sign-up bonus.

If you’re among those chasing the third bonus, you’ve got quite a chunk of manufactured spending to do. For veteran churners, this is child’s play. However, newbies may be perplexed as to how exactly $10,000-$30,000 in spending requirements can be met without going into debt. Below are five ways that, combined, can help you meet at least $40,000 in manufactured spending per month. Suddenly $30,000 doesn’t sound to bad, does it?

1. Vanilla Reload Cards ($25,000+ per month). [UPDATE: As of 4/4, Vanilla Reloads can no longer be purchased at drugstores with a credit card] The most wonderful piece of plastic ever invented, 20 Vanilla Reload cards purchased during 3-10 trips to CVS can help you take care of the $10,000 spending requirement without breaking the bank. How fast you get this done depends on your local store’s purchase limit. Before you start buying Vanilla Reloads, make a few smaller purchases on the card and perhaps even notify Citi of upcoming large purchases (don’t tell them what it’s for) to avoid fraud alerts and declined transactions.

You can unload up to $5,000 in Vanilla Reloads per month via Bluebird. You can also pick up two MyVanilla debit cards, which can each be loaded up to $9,999 per month. MyVanilla debit cards that get maxed out and cashed out quickly tend to get shut down just as fast. If you can’t afford to float +/-$20,000 for a few weeks in case of account closure, load each card with $5,000 or less to stay under the radar. MyVanilla debit cards can then be cashed out via money orders.

To unload up to an additional $30,000 per month, check out this newbie post on Vanilla Reload cards.

2. ReloadIT Cards ($2,500 per day). I’ve been hearing of more and more people who have found places that accept credit cards for ReloadIT card purchases. These are ideal because they come in increments of up to $950 with a $3.95 purchase fee – this method cuts the cost of manufactured spending almost in half, compared to Vanilla Reloads.

One of the ways to unload ReloadIT cards is via Paypower debit cards, which can be loaded up to $2,500 per day. Again, if you load/unload them quickly, you may end up getting your account shut down.

For more ways to unload REloadIT cards, and the fees associated with each method, read this post

3. Visa and Gift Cards (unlimited). [UPDATE: Extrabux is no longer offering cash back on Visa gift cards. You can, however, go through TopCashBack for 0.5% cash back] When there is a high shopping portal cash back offer, this can be one of the cheapest ways to meet your spend. You can buy Visa gift cards at your local grocery or drugstore, but you’ll be on the hook for a $3.95 fee per $500 card. Instead, head over to GiftCardMall.com through a shopping portal and earn enough cash back to cancel out the majority of your fees.

Right now Extrabux is offering 1% cash back at GiftCardMall.com. If you were to purchase $2,000 worth of gift cards, you’d incur a total of $28.86 in fees ($3.95 fee per card x 4 = $15.80 + $13.06 shipping). The 1% cash back does not apply to fees, so you’d earn $20 on this purchase. This brings the cost of fees down from $28.86 to $8.86, which is almost half the cost of buying Vanilla Reloads. Add to this the $5 account sign-up bonus earned from Extrabux and you’re looking at $3.86 in fees. [Update 4/9: Extrabux is no longer offering cash back on Visa gift cards.]

Disclosure: If you use the Extrabux link in this post, I will receive a $5 referral fee after your make a purchase, in addition to revenue based on your purchases. I will also receive a referral fee if you use my  TopCashBack link. Feel free to include your own referral links in the comment section.

You can unload your gift cards via Bluebird or Amazon Payments, but my preferred method is via Walmart money orders. The cheapest Walmart store I’ve found charges $0.55 per money order, though I’ve heard of locations that charge as little as $0.25.

To keep costs reasonable, you can ask the cashier to split payment for a single money order across several gift cards. So instead of two separate $500 money orders with $0.50-$1.10 in fees,  ask for a $1,000 money order and split the payment across two cards. You will get charged a fee for every $1,000 denomination. You can buy up to $3,000 in money orders before the cashier will ask you to provide your driver’s license and personal information, which is why I always limit my purchases to $2,900.

4. Amazon Payments ($1,000 per month). You can knock out $1,000 per month in spending requirements by sending cash to a person you trust (friend, relative spouse, etc.) and having them pay you back in cash. In three months, this knocks off a third of your spend (or 1/10th, if you’re going for three cards and $30,000 in spending requirements).

5. American Express for Target ($5,000 – $10,000 per month). The fees are high on this card, but it’s a convenient option when you’ve tapped out all other resources. Plus, these can be reloaded at Target, and who doesn’t love going to Target? You take the card to the register, load up to $1,000 at a time, and pay a $3 fee per load. Your first ATM withdrawal each month is fee-free (though ATM owner fees apply) and every subsequent withdrawal incurs a $3 fee. You can unload $5,000 per month on these cards, though if you pick up a second one, you can double up. Before I found a reliable Vanilla Reload source, I regularly maxed out my American Express for Target card without getting shut down.

For more about the Amex for Target card, where to find them, and other details, check out the Newbie Guide post on American Express for Target.

There are many other ways to meet the $10,000-$30,000 spending requirement for the Citi Executive AAdvantage card. Be sure to refer to the Newbie Guide to Manufactured spending series for more ideas on how to meet the spend.

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Ariana Arghandewal

15 Comments

  1. just got this card and have spent $600 so far- 10k is largest spend to date I’ve had to reach- haven’t tried vanilla reloads- seems like a lot of work… don’t have anyone to send amazon payments w/ – I did the math and will prepay some addtl principal on my mortgage- I am charged a fee but it goes down the more you pay – I pay extra each month toward my mortgage so I will just pay a lump sum and then stop the extra monthly payments until I pay myself back… also will prepay some utilities and cable to help reach the 10k

    • hmm Beth, you are planning to pay your principal down with the this card? Are you sure Citi won’t charge you a Cash Advance fee, as well as not even counting the spend toward your 10K? Citi is notorious for charging CA fees for payments to financial institutions.

    • Beth, FlyngBoat is right. Citi may code these as a cash advance and you won’t earn points. You can still pay your mortgage by going through Vanilla Reloads.

  2. Really? Giftcardmall.com I thought processed as cash advance with Citi credit cards. Is that not true?

  3. Informative post. Where do you purchase money orders with the MyVanilla gift cards?

  4. Very nice post. Few questions:
    1. Which store do you use/recommend to purchase MyVanilla? Do you have a on the MV?
    2. Does Citi code the loading of Target AMEX as purchase? I thought Citi might code them as CA.
    3. Can you use GreenDot MP for this?

    • I have one MVD, which I picked up at CVS. Since Amex for Target loads are done at the register, Citi codes them as purchases. You can use Greendot MoneyPaks IF you can find a store that accepts credit cards.

  5. Im thinking of applying for the card, but wont be using the miles for a few years at least. I dont want to keep the card for over a year to avoid the annual fee. Do the miles expire? How do I keep those miles active in my account?

    • Miles won’t expire as long as there’s activity on the account. To keep your account active after a year, you can do things like buy miles or use the AAdvantage shopping portal to make a purchase. As long as you’re adding miles to your account in some way, they won’t expire. But do keep in mind that they may devalue at any time.

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