Posted by William Charles on August 11, 2016
Credit Cards

Published on August 11th, 2016 | by William Charles


New Citi Rules Limit You To One Bonus Per 24 Months Per Brand (American Airlines, Expedia, Hilton & Citi TYP)

Update: We have a more complete post about this rule, found here.

We just posted about changes to Citi churning rules on ThankYou point earning cards, I didn’t think these restrictions were added to co-branded cards but after further checking they are. Basically you can’t get the sign up bonus on a new card if you’ve opened or closed a card within that brand (e.g American Airlines, Expedia, Hilton or Citi ThankYou points) within the past 24 months. Previously you were limited to the specific card not being opened or closed within 24 months (e.g you could get the Citi Prestige and then apply for the Citi Premier two months later and it would be fine).

citi thankyou point bonus change


Bonus ThankYou Points not available if you have had any AT&T Access card or AT&T Access More card opened or closed in the past 24 months

American Airlines Cards

American Airlines AAdvantage® bonus miles not available if you have had any Citi / AAdvantage card (other than a CitiBusiness® / AAdvantage card) opened or closed in the past 24 months.

Expedia Cards

Expedia+ Points Bonus Offer is not available if you have had any Expedia+ or Expedia+ Voyager card opened or closed in the past 24 months.


Bonus Hilton HHonors points are not available if you have had any Citi®Hilton HHonors card opened or closed in the past 24 months.

ThankYou Points

Bonus ThankYou points are not available if you have had ThankYou Preferred, ThankYou Premier or Citi Prestige cards opened or closed in the past 24 months.

Business Cards & Personal Cards

The new restrictions treat business cards and personal cards differently. For example, you can get the sign up bonus on the American Airlines business card as long as you haven’t had an open or closed American Airlines business card within the past 24 months, when you last had a personal card does not come into play.

What Happens If I Have A Mail Offer Without This Language?

Honestly, I don’t know. I highly suspect Citi would be enforced to honor the deal though as the language is not included in the mail out.

Our Verdict

Obviously this is a pretty major change by Citi, they have really been cracking down on people chasing sign up bonuses. First they added the rule that you couldn’t receive the sign up bonus if you’d opened or closed the same card within 18 months, then they extended that restriction to 24 months. Now that restriction applies brand wide, rather than being for a specific card.

This rule isn’t as restrictive as the rules from American Express (one bonus per card per lifetime, although this rule is often waived in targeted offers) and Chase’s 5/24 rule (won’t be approved for most cards if you have 5 or more new accounts within past 24 months). We will update our list of churnable cards page and also things you should know about Citi to reflect these changes.

The real question is if this change is being currently enforced, my suspicion is that Citi wouldn’t have added it unless they plan to enforce it. In the past when this sort of language has been added with Citi it’s been enforced immediately although you’ve occasionally been able to find links without the wording and then it wasn’t enforced. If anybody does find these sort of links, feel free to share them in the comments.

This will probably change my churning strategy going into the future, I’ll have a think about my plans and do a dedicated post shortly.

Hat tip to reader Tom


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The Prestige is the only TY card currently giving a bonus at all right?

I thought its based on each credit card. I just checked Citi Hilton; while the homepage of credit card has the below terms, when you click apply, the app page shows terms without mentioning it.

Weekend Night Certificates offer is not available if you have had a Citi Hilton HHonors Reserve Card account that was opened or closed in the past 24 months.
erms and Conditions.
Hilton HHonors Bonus Points offer not available if you have had a Citi Hilton HHonors Visa Signature Card account that was opened or closed in the past 24 months.

I hope this stay for a while. I applied the HHonors Visa Signature back in April 2016 and would like to apply HHonors Reserve later on this year.

interesting. I have been waiting to pull the trigger on the Reserve card – but i went ahead and did it today. I closed the regular Citi Hilton card late in 2015.

I’m hoping i get the certificates. it would save me about 90K points for a vacation i’m planning

Darn. Well at least i only have 2 cards. And it would be 24 months next year since I got the bonus.

So does it apply to cards applied recently (before new rules came into effect)?

Read the heading again slowly up to the parenthesis. Over and over.

asshole…. just be nice and answer

LMAO. No I agree with MH. A little reading comprehension is needed badly by some in here and they will never learn if we have to hold ur hand through everything. But then again most people would say I’m an a hole too.

Sorry for not being very clear. I applied for a prestige card two weeks ago and it’s still pending, and I got a Premier bonus last year. I am hoping the new rule won’t apply to me based on the time of “application” (not eventual “approval”)

I’m not sure why people are being snarky in response to your question which I think is a legitimate question. Reading the article and terms it seems like any card opened or closed within the last 24 months will prevent you from getting the bonus. It doesn’t give a start date and say any card obtained after 8/1/16 etc. The article does not specifically mention this scenario, but Citi policies typically apply retroactively to all cards.

Not really surprising since people were churning the hell out of the AA-cobranded CCs.

I get why they did this, because people certainly were abusing it but the worst part of citi’s policy is that closing or product changing a card will reset the clock as well. I wish they just made it 2 years from when you got the bonus like with Chase only minus the 5/24 nonsense. I would perfectly happy with that even if they limited it to one bonus per family of cards.

Does citi att and citi bestbuy also included?

Yes, it’s enforced. Knew someone who got rejected for Hilton on 08/03, reason: already have reserve.

the new terms are not like 5/24. Based on the wording, you can still apply and get approved but not get the bonus. Your friend mustve gotten denied for another reason

Was told forever couldn’t get the premier bonus if I had the prestige bonus . I did get both . This makes it appear to be true finally .

Darn! Was planning on including an AA Gold in my next churn (never had gold, have had multiple plat in last year). Anyone have a link that doesn’t include this language for gold, or have they all been updated?

Thankfully I will have 100k UR to drown my tears in soon.

Well, at least I got a bunch of these (multiple AA Execs at $100K, all the TYP cards) before the door slammed shut. I guess given that TYPs are only going to be worth 1.25 rather than 1.6 cents AA after next July the TYPs were going to be less interesting going forward, but still…


Does this apply if you happen to be an authorized user of an AA or Thank you card but never opened one up for yourself as a primary user?

Does this mean we should be closing our Citi cards as soon as bonuses post in order to start the 24 month period? Would downgrading a card count as “closing” the account?

The question is… Can we apply for two cards on the same day and still get bonus for both?
Let’s say AA plat and AA gold?

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