Pretty much everything is 50 % off at NI , but all I wanted was a discount on komplete 11 upgrade ' yeah I know it just came out , but let me dream <| sep |> Barclays is not currently accepting applications , but will begin doing so again sometime in 2017 . There are 3 decent offers from Citi right now , and the cards are approved relatively easily . If you are denied don ' t be overly concerned , you can always call reconsideration or try again in a few more months . Platinum offers group 1 boarding and a free checked bag , gold does not . Both cards offer 1 AA point for every dollar spent , platinum also offers doubled earning on AA purchases . Gold is $ 50 per year , platinum is $ 95 , both fees are waived for the first year . Due to the annual fees you need to consider how much value you will actually get from the card longterm if you plan to keep it rather than collect the signup bonus and cancel , a 2 % cashback card is generally a good starting point to compare with . c ardscreditcarddetailsciti . action ? I D c i t i a a d v antagegoldelitecreditcard 25 k points for spending $ 750 in first 3 monthsPlatinum 50 kmiles 6 50 k points for spending $ 3 , 000 in first 3 monthsPlatinum 40 kA 94275674 EFD 4495 AB 2252 BC 08385799 promocodemiles 7 40 k points for spending $ 1 , 000 in first 3 months , no other difference from other platinum offer .