Citi Signup Bonus Restrictions Are Changing From 24 To 48 Months, Take Advantage Of 24 Month Offers Now!

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Update, 7/4: Citi is in the process of converting cards from a 24 month to a 48 month signup bonus restriction, so be sure to read the terms of the card that you apply for.

For example on AA.com all of the AA card offers now have the new 48 month restriction, though this Citi AA Executive Card link still shows a 24 month restriction.

You can still get a Citi Premier Card with a limited time 60,000 point signup bonus under the 24 month restriction, though I’d guess that will change to 48 months soon as well.


Originally posted on 6/16:

Back in the good old days I was able to open 3 Citi AA cards every 30 days and rack up millions of miles as well as lifetime AA Platinum status. But those days are long gone.

In 2016 Citibank added a 24 month card family restriction so that you couldn’t get the bonus on any AA consumer cards or any ThankYou cards if you opened or closed a card in that card family in the past 24 months.

That restriction started off on some applications before making its way onto all Citi applications.

DDF member davidrotts63 posts that he just found some Citi AA Consumer, Citi AA Executive, and Citi AA Business card applications that restrict the signup bonus if you have received a bonus within the past 48 months.

That’s a big step up from the current 24 month restriction and it matches the 48 months restriction now found on Chase Sapphire cards.

There are a few bright spots though. The restriction is on each individual card not on a card family, so the Consumer card and the Executive card are no longer lumped together. Getting the bonus on one doesn’t affect the other:

Plus the 48 month restriction is from the time of the bonus, so closing a card doesn’t reset the timeline.

For now, the links below as well as most Citi application links still have the 24 month language. We’ll see how long these last…

  • Citi Premier Card: Earn 60,000 points for a limited time only. Earn 3 points per dollar on travel and gas and 2 points per dollar on dining and entertainment. Points are worth 25% more towards airfare. Read more here.
  • Citi Rewards+ Card: Earn 15,000 points. Automatically rounds up rewards earned on every purchase to the nearest 10 points, meaning you earn 10 points on a $0.50 Amazon balance reload. Earn 2 points on $6K in annual spending at supermarkets, 0% intro APR on purchases and balance transfers for 15 months, and a 10% points rebate when you redeem points, up to a 10K points rebate per year. If you also have a Citi Premier Card you can transfer points into miles or get a 25% added value for paid airfare, plus get a 10% points rebate on transferred or redeemed miles.
  • Citi AA Executive Card: Earn 50,000 miles and get AA lounge access for you and your guests. Get up to 10 free authorized user cards that also get AA lounge access for them and their guests. Get a free checked bag and priority boarding on AA flights, even in basic economy.

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27 Comments On "Citi Signup Bonus Restrictions Are Changing From 24 To 48 Months, Take Advantage Of 24 Month Offers Now!"

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Davidrotts63

Gotta love the way you notice the details, I completely skipped past the fact that they aren’t lumping all cards there.
May be a good idea for someone who has gotten a Platinum card recently to get an executive card with that link.

Davidthebest

If I downgraded from a citi AA to a citi double cash would that be considered as a closed account to restart the 48 months clock?

yungermanchik

how do you downgrade the aa card?

Um

Can you still do three at a time?

Glenn

42

Abey

Remains to be seen if the family rule changes or is just termed this way

chaim

if you have not closed your card yet is it 24 months from when you opened or 24 months from when you got your bonus

Ari

Honorable mention @davidrotts63

Villager

Are you able to have more than one of the same card, open at the same time?

denise

If i applied for a Thank You cc last Sept and I want to cancel my existing AA card that I have for more than 4 years, when will i be able to reapply for an AA card to be eligible for signup mileage bonus? Thank you in advance.

Becky

It’s closing the card that resets the clock that really bugs me. I don’t actually have a problem with 48 months from bonus receipt.

Jordan

@Dan is there a way to find out when I last got a bonus or closed a card ?

Someone

chat with them

Someone

will reopening a closed card reset the 24 waiting period?

Dave

Citi +AA. PERFECT FOR EACH OTHER.

Tom

What about all the benefits they just discontinued?

Mrs k

Hello if I would book a airline ticket today will I have a free cancellation period until Monday ? Since it’s a holiday ?

somy

Can you confirm if AT&T access card closure affect getting any other Thankyou point cards?

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