Proof: MLA Waiver for Citibank’s $450 Cards (MLA Dead for Citi)

Update: multiple datapoints shown this is no longer the case with Citi and the MLA! I guess  they won’t waive the $450 as of the most recent applications since mid March 2018.


When I applied for the AAdvantage Executive Card from Citi, I got a call from 1-423-467-6460 which is the Citi Fraud Department asking me to call 1-800-825-0393 just to verify that I was applying for this card. I never called back, and my card came in via FexEx anyways. Activation took a little longer because they had to clear up the hold on the application for the new account. Reader Dan in a previous Citi MLA post writes:

I followed up that message with a phone call to the citi military response unit directly at 877-804-1082, where I reached a very helpful lady who was able to look me up and see my requests in the system already for both me and my wife. She verified my information and asked me to email, fax, or mail a current LES to substantiate my service. She said turn around time should be within 30-60 days. I will let you know what happens

Fax 18665330503

military response unit
po box 790398
st louis, mo 63179

I followed up Dan’s advice and applied for MLA benefits by faxing in my LES to 1-866-533-0503. I didn’t hear back, but then some one at 1-904-954-1207 (Citi Fraud Department #2) called yet again to verify that I had applied for the card. They then asked me to fax another LES to 1-866-532-5470. I finally got a letter from Citi, but it said my Citibank Costco card did not qualify for the SCRA! I never did get a letter stating that MLA was applied to my AAdvantage Executive card. I however got my normal statement the next day, and it said this:


and below had this:

and the back had this:

There you go! No official letter saying that the MLA will cover annual fees, but defacto waiver of annual fees! This is the least they can do for making us get that crappy Citi Travel card that charges Uncle Sam foreign transaction fees as well as an annual fee.


12 thoughts on “Proof: MLA Waiver for Citibank’s $450 Cards (MLA Dead for Citi)

  1. Trey says:

    Thanks for sharing!

  2. 4th yr lyfe says:

    Look forward to converting my most recent AA plat to the executive next year!

  3. Kevin says:

    Isn’t the Costco Card free of an annual fee? Why did you need to apply SCRA for it?

    • uiucderp2011 says:

      Exactly! The point is I never asked to apply SCRA to CostCo, but they took my request to apply my MLA to the American Executive card and applied it to all accounts including my Costco.

  4. […] Proof: MLA Waiver for Citibank’s $450 Cards […]

  5. James says:

    They sent me a SM saying that it only applies to account after September 2017 from Citi..
    We’ll see if they review and I get approved for MLA.

    • uiucderp2011 says:

      Well that is a quick reversal from what some people were getting. This is more consistent with Chase and BoA.

  6. Heather says:

    Just heard back from Citi that they are only waiving fees for their cards under the MLA if the fee would be the equivalent of more than 36% interest, so if you pay off your card in full every month, you will NOT get any of their card fees waived under MLA.

    • Dave says:

      So, if I pay off every month wouldn’t that look like a zero balance and the AF be a $450 interest charge?

      • Andres says:

        That’s what I was thinking too. It would be $450 in interest to a zero balance. That seems way more than 36% to me.

        • Mark says:

          I’m about 8 days from the close date on my second statement with no AF charged yet. Maybe not having a large balance due on my statement close date is beneficial? Does anyone know when in the billing cycle the AF is typically charged?

          • Chris says:

            I’m in my first month with the card and before my first billing cycle closed and I had spent almost the spending limit, I was hit with the fee (in fact, the fee put me over the $5k). I’m calling them on Monday to confirm why they charged me the fee this early since I thought it would be after the first year and I’ve only had the card for 1 month.

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