What is Citi's Strata cards, once per lifetime?

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. It is per card: having had the Strata Premier doesn't, by these terms, block the Strata Elite. The change was spotted in Citi's terms on 20 September 2026 without an announcement, so enforcement is not yet known. The Citi AAdvantage cards were not changed and keep 48 months.

Citi · Welcome bonus eligibility

Citi Strata cards, once per lifetime

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.

Applies to: Citi Strata, Citi Strata Premier and Citi Strata Elite
Where it comes from: In the issuer's terms; The issuer states this, in a card's terms or an official statement.
Last changed: September 20, 2026; Verified September 26, 2026

How it works

New account bonus offer is not available if you currently have or previously had a Citi Strata Elite account.
Citi's terms

It is per card: having had the Strata Premier doesn't, by these terms, block the Strata Elite.
The change was spotted in Citi's terms on 20 September 2026 without an announcement, so enforcement is not yet known.
The Citi AAdvantage cards were not changed and keep 48 months.

What changed on September 20, 2026. Replaced 48 months between bonuses. Citi hasn't said whether people who earned a bonus under the old rule are affected.

See what your cards are worth to you

Citi cards these apply to

More Citi rules

How fast you can apply
One card in 8 days, two in 65
Citi usually approves no more than one card every 8 days, and no more than two in any 65 days.
Reported by applicants
Welcome bonus eligibility
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