Rules · Citi · Welcome bonus eligibility
Citi: 48 months between bonuses
On most Citi cards you can earn a card's welcome bonus again once 48 months have passed since you last received it.
In the issuer's terms The issuer states this, in a card's terms or an official statement.
What counts, and what doesn't
Applies to: Most Citi cards, including the AAdvantage cards. Not the Strata cards, which are now once per lifetime.
- Since 2023 it is counted per card: a bonus on one Citi card doesn't block a different card's bonus.
- The 48 months run from the day the bonus was received.
Sources
- Thrifty Traveler: Credit card application rules, bank by bank (Jan 2026)
- Frequent Miler: Complete guide to credit card application rules by bank (Feb 2026)
Issuers can approve, decline or withhold a bonus for any reason. These rules describe what usually happens, not a promise of what will. Last verified September 26, 2026.
More Citi rules
One card in 8 days, two in 65Reported by applicants
Citi usually approves no more than one card every 8 days, and no more than two in any 65 days.
Strata cards, once per lifetimeIn the issuer's terms
Citi's Strata cards now pay their welcome bonus once per lifetime: the bonus isn't available if you have or have ever had that Strata card.