Watch Out For New 48-Month Restrictions on Some Citi Credit Card Applications

Jun 17, 2019

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Update: Some offers mentioned below are no longer available. View the current offers here – Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Update 7/5 9:15am ET: A new 48-month restriction appears to have been extended to all Citi AAdvantage card applications, including those here at The Points Guy and other outlets.


It’s no secret that credit card welcome bonuses are the quickest and easiest way to rack up a large chunk of points and miles. So to prevent people from gaming the system, over the last few years issuers have implemented various rules restricting how often you can get another bonus. For instance, American Express has some of the most restrictive card-specific anti-churning rules, allowing just one welcome bonus per “lifetime” per card type. Citi, on the other hand, has historically been somewhat more flexible, allowing multiple bonuses on a given credit card as long as you wait 24 months between canceling and re-applying for a card within a card family.

However, that may soon change. As DansDeals reports, Citi has quietly updated its offer terms on some applications for AAdvantage cards to extend the waiting period from once every 24 months to once every 48 months.

It’s important to note that, as of this writing, only some application links are showing this change in terms. In fact, the offer terms on the Citi / AAdvantage Platinum Select World Elite Mastercard, CitiBusiness AAdvantage Platinum Select World Mastercard, Citi / AAdvantage Executive World Elite Mastercard and American Airlines AAdvantage MileUp applications here at The Points Guy still show the 24-month restriction. The application links with 48-month language currently only appear on Citi’s website (and not even on the website’s main page).

The 48-month language as it appears on some links at Citi’s website. Application links at The Points Guy do not currently have this language.

However, to be safe, you’ll want to triple check the offer terms when applying for any of the above Citi AAdvantage credit cards, as the terms could change from 24 to 48 months at any time.

One positive change with the new terms is that the restriction is now on each individual card, as opposed to the entire Citi AAdvantage card family, meaning you don’t need to wait between getting the bonus on the Citi / AAdvantage Platinum Select World Elite Mastercard and Citi / AAdvantage Executive World Elite Mastercard, for example. Additionally, it appears that only getting a welcome bonus will reset the waiting period, as opposed to also when you close a card, which is the rule stated in the 24-month terms.

It’s not clear yet if the new 48-month requirement will be extended to other Citi-issued cards or to all application links. The Citi Premier Card, for instance, is still offering a best-ever welcome bonus of 60,000 ThankYou Rewards points after $4,000 in spend in the first three months to new applicants who haven’t opened or closed a card within the ThankYou card family in the last 24 months. Also, remember that AAdvantage cards issued by Barclays operate under different rules, so make sure you’re familiar with the credit card application restrictions at each issuer.

Bottom Line

If what we’ve seen with the changes to the Chase Sapphire Preferred Card and Chase Sapphire Reserve offer terms is any indication, it could be just a matter of time before all applications for Citi-issued AAdvantage cards get the new 48-month restriction, but it could also be a test that ends up getting targeted or rolled back. So, if you’ve been considering getting a Citi-issued AAdvantage card and it’s been more than 24 months since you got one (but less than 48 months), now’s the time to apply. Just remember keep a close eye on the offer terms when doing so.

Related: Choosing the Best Credit Card for American Airlines Flyers

Featured image by JT Genter / The Points Guy

Bank of America® Premium Rewards® Visa® credit card

This card from Bank of America gets really interesting if you have a BofA checking, savings or investment account. Depending on the value of your combined accounts you can potentially get as much as 3.5x points on travel/dining and 2.625x points on other purchases making it the richest consumer banking bonus out there.

Apply Now
More Things to Know
  • Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Intro APR on Purchases
N/A
Regular APR
17.74% - 24.74% Variable APR on purchases and balance transfers
Annual Fee
$95
Balance Transfer Fee
Either $10 or 3% of the amount of each transaction, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.