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Your Information to Citi's 48-Month Rule


At NerdWallet, we attempt that will help you make monetary selections. To this, many or all merchandise featured listed here are from our companions. Nevertheless, this doesn’t affect our evaluations. Our opinions are our personal.

Citi has a formidable lineup of rewards. Citi ThankYou factors or AAdvantage miles, Citi has a number of playing cards to select from. The downer? Citi has begun limiting the welcome bonuses on a few of these bank cards. In some instances, for those who've had a Citi card within the final 48 months, you’ll not be eligible for one more card.

There's much more to this rule that's necessary to know for those who're considering making use of for a Citi card any time quickly. Right here is your information to Citi's 48-month rule on welcome bonuses:

»Be taught extra: Citi ThankYou factors: how one can earn and use them

What’s Citi's 48-month rule?

Citi's 48-month rule restricts sure bank card welcome bonuses each 48 months. 48 months after your first software.

Which bank cards are affected?

Citi bank cards are impacted by the 48-month rule. The American Airways AAdvantage® bonus miles are usually not obtainable [card name] account up to now 48 months. "We’ve compiled the entire listing of bank cards impacted by this rule:

»Be taught extra: CitiBusiness / AAdvantage Platinum evaluation: A Should for American Airways loyalists

Citi playing cards with barely decrease restrictions

Not all Citi bank cards are topic to the 48-month rule. Just a few bank card welcome bonuses are topic to a 24-month ready interval. The catch? Citi lumps these playing cards collectively, so that you're eligible for a bonus for one of many different playing cards on this group:

»Be taught extra: Citi Premier evaluation: Probably profitable for vacationers

Moreover, for those who've acquired one in all these playing cards, say, three years in the past, after which it's been not too long ago, you're not off the hook. Citi's phrases specify that the 24-month ready interval applies and the date your card was canceled.

Citi is de facto rewarding those that maintain on to their bank cards long-term and resolve to select up extra playing cards. However drop a card and the 24-month clock resets.

Equally, the Expedia bank cards even have a 24-month restriction on welcome bonuses. Just like the Citi ThankYou playing cards, the 2 Expedia playing cards are lumped collectively. You probably have already obtained a number of playing cards inside the final 24 months, you’ll be eligible for a second welcome bonus on the opposite card:

  • Expedia® Rewards Card from Citi.
  • Expedia® Rewards Voyager Card from Citi.

Citi playing cards with no restrictions

Just a few Citi playing cards haven’t any welcome bonus restrictions in the intervening time. 24 months or 48-month guidelines as different Citi playing cards: Somebody who has not acquired any bonuses in any respect.

»Be taught extra: Citi Double Money evaluation: 2% on all the things is hard to beat

What are the workarounds?

There are a few workarounds to Citi's 48-month rule, which impacts American Airways-branded bank cards. For those who're in search of extra AAdvantage miles, you’ll be able to go for one of many co-branded bank cards, just like the AAdvantage® Aviator® Purple World Elite Mastercard®. Another choice is to attend out the 48-month interval, however keep away from resetting the clock by protecting your Citi bank cards open. A minimum of till your second welcome bonus posts.

The underside line

For those who're eligible for a Citi welcome bonus due to one of many above-mentioned guidelines, all is just not misplaced. You possibly can nonetheless find out about these factors and miles in giant portions.

Citi, Citi Status® Card, Expedia® Rewards Card from Citi, Expedia® Rewards Voyager Card from Citi and Citi Premier NerdWallet has not been reviewed or supplied by the issuer or supplier of this services or products.

The way to maximize your rewards

You desire a journey bank card that prioritizes what's necessary to you. Listed here are our picks for the 2019, together with these finest for:

Planning a visit? Try these articles for extra inspiration and recommendation:
Discover one of the best bank card for you
Which American Airways bank card must you select?
four causes to start out gathering American Airways AAdvantage miles'

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