The Guide to Citi’s Credit Card Application Rules

**The Guide to Citi’s Credit Card Application Rules**

Hey everyone! I wanted to share some important information about Citi’s credit card application rules that could help you navigate their offerings better.

**Citi’s 48-Month Rule**

Citi has a 48-month rule that restricts certain credit card welcome bonuses to once every 48 months. If you apply for a card and cancel it, you won’t be eligible for the welcome bonus again until 48 months pass since your first application. This rule affects a variety of cards, including:

- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

- Citi® / AAdvantage® Executive World Elite Mastercard®

- American Airlines AAdvantage® MileUp®

- CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

- Citi Prestige® Card

- Citi Strata Premier℠ Card

- Citi Rewards+® Card

- Citi Rewards+® Student Card

- Citi Double Cash® Card

- Costco Anywhere Visa® Card by Citi

- Costco Anywhere Visa® Business Card by Citi

**Workarounds for the 48-Month Rule**

If you want to earn more AAdvantage miles, consider opting for co-branded credit cards, like the AAdvantage® Aviator® Red World Elite Mastercard®. Alternatively, you can wait out the 48-month period but keep your existing Citi credit cards open at least until your second welcome bonus posts to avoid resetting the clock.

**Citi’s 8/65 Rule**

Citi also has an 8/65 rule, which states that you cannot apply for more than one Citi credit card in an eight-day period and no more than two credit cards within 65 days.

**Recap**

If you find yourself ineligible for a welcome bonus due to these rules, don’t worry! There are still ways to earn points and miles.

For those interested in maximizing rewards, consider these top travel credit cards for 2024:

- **Chase Sapphire Preferred® Card**: Flexibility, point transfers, and a large bonus.

- **Wells Fargo Autograph℠ Card**: No annual fee.

- **Capital One Venture Rewards Credit Card**: Flat-rate travel rewards.

- **Chase Sapphire Reserve®**: Bonus travel rewards and high-end perks.

- **The Platinum Card® from American Express**: Luxury perks.

- **Ink Business Preferred® Credit Card**: Great for business travelers.

Hope this helps you make informed decisions about your credit card applications!🌲🌲

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