All of the major credit card issuers have different rules when it comes to being approved for their cards and earning welcome bonuses on cards. While Amex has a “once in a lifetime” rule on earning welcome bonuses, Citi has a 48-month rule, and I want to go over the details of that in this post.
With this, you’re not eligible for the bonus if you’ve received a bonus on that specific card in the past 48 months. That 48-month timeline isn’t based on when you applied for or opened a card, but instead, it’s based on when you received the bonus. This also applies to the primary cardmember, so being an authorized user on someone else’s Citi card never precludes you from earning the bonus.
The good news is that eligibility for each card is considered independently. Furthermore, unlike in the past, when you close a particular card doesn’t factor into whether you’re eligible for a bonus or not. Rather, it’s just about whether you received a welcome bonus on a particular card in that timeframe.
A great solo travel tip spotted this week on One Mile at a Time.
