How Does Citi’s Approval Terms Work?

 

Citi has one of the most strict guidelines on approving new cards and getting welcome bonuses.

Its divided in two guidelines: Be able to get approved and secondly be eligible for the welcome bonus

 

Approval terms: 

The approval terms eligibility are quite simple and clear:

  • You can only apply for one Citi card every eight days
  • You can apply for no more than two Citi cards every 65 days

 

 

Welcome Bonus Terms:

Here it gets a little more tricky as citi has two sets of guidelines depends on the card you apply for; the 24 month rule and the 48 month rule:

 

24 Month rule:

Citi’s own cards including  the Citi Premier Card, Citi Prestige Card, and Citi Rewards+ Card all have the 24 month rule; that you can not get the bonus if: 

  • You’ve received a new cardmember bonus on any of those cards in the past 24 months (Remember its not from when you opened the card, counted from when you got the bonus)
  • You’ve closed any of those cards in the past 24 months

So these cards are more strict that they all count for one family and getting the bonus on one will affect getting the bonus on the other, plus closing a card also resets the 24 months clock, but its a little easier that they only affect for 24 months

 

48 month rule:

All AAdvantagde cards have a 48 month rule:

  • If you got a welcome bonus on this card in the last 48 months you are not eligible 

This cards are more strict that it has a 48 month rule, but its easier that one card does not affect the eligibility for the other card

 

Citi Double Cash:

On the citi double cash card opening this card will not affect your eligibility to earn a bonus on a other citi thanks you card as it does not get any welcome bonus

Citi Double Cash

0% APR For 18 Months

Citi Premier Card

Earn 60,000 Points After $4,000 Spend

Citi AAdvantage Platinum

Earn 50,000 Miles After $2,500 Spend

Citi AAdvantage Business

Earn 70,000 Miles After $4,000 Spend

Citi Double Cash

0% APR For 18 Months

Citi Premier Card

Earn 60,000 Points After $4,000 Spend

Citi AAdvantage Platinum

Earn 50,000 Miles After $2,500 Spend

Citi AAdvantage Business

Earn 70,000 Miles After $4,000 Spend

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