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Issuing Banks Rules for Approvals and New Bonuses

July 12, 2019
|In Best Of, Strategy
|By Sarah Page Maxwell

MileValue is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Note: Some of the offers mentioned below may have changed or are no longer be available. You can view current offers here.


This is a living post, continuously updated over time as the miles and points hobby evolves. They change the rules and we have to stay on top of them.

Today I’ve updated the section about Citi cards to reflect the new sign up bonus eligibility timelines for their AAdvantage co-branded credit cards. If I’ve left something important out please feel free to let me know in the comments. I feel this is an important responsibility of miles bloggers to keep info of this nature updated for the sake of your credit scores! 


Will you be approved for a new card? Will you get its bonus?

What if you’ve already had that card and gotten its bonus before?

The answers to these questions depend on the issuing bank of the credit card. The issuing bank is not the payment network like Visa, MasterCard, or American Express. The issuing bank is the bank that gives you the card, collects interest, and provides customer service. For rewards cards, the main issuing banks are Chase, Citi, American Express, Barclaycard, and Bank of America. I’ve included Capital One as well as they have some lucrative rewards cards.

Let’s look at the rules for each issuing bank, which vary widely. Note that many of these “rules” are not published, rather formed over time by people like us collaborating data points to establish patterns of bank behavior.

If you don’t feel like navigating this maze (understandable), I’m happy to do it for you. Fill out this form for a credit card consultation and pay close attention to the section about your recent credit card history. 

Chase

GENERAL CARD RULES

  • 5/24: If you have 5+ new credit card accounts with any bank–yes, any bank, not just Chase–in the last 24 months, you will be denied most Chase personal and business credit cards.
    • Note that most business cards do NOT count in your 5/24 total. Do not confuse that statement to think that you need not be under 5/24 to get approved for Chase business cards. You must be under 5/24 to get approved for ANY Chase credit card.
  • You can only get the bonus on the same Chase card once every 24 months. This 24 month clock starts when you got the last bonus (which may be several months after you got the card). The exception to this rule is with the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, as noted below, which you must wait 48 months between.
  • You probably shouldn’t apply for more than two personal cards or one business card in a 30 day period. A safe limit is one business and one personal card within 90 days. Chase is known for denying people who apply for more than that.
  • NOT a rule, but a PRO TIP: A common reason for Chase denials is too much credit extended to you already by the bank. Consider lowering credit limits on existing cards, or if you end up with a denied response on an application and call the reconsideration line as a last stab effort, suggest the rep shift existing credit of yours from one card to the new one you want. How much credit is too much? Data points say 50 to 60% of your total annual income is the maximum.

CO-BRAND SPECIFIC CARD RULES

  • Sapphire Cards (i.e. the Chase Sapphire Preferred and Chase Sapphire Reserve®)
    • New applicants will not be approved for another credit card in the Sapphire family if they already have one open. In other words, if you currently hold a Sapphire card, you’re not eligible for a Sapphire Preferred nor a Sapphire Reserve. If you currently hold a Sapphire Preferred, you’re not eligible for a Sapphire Reserve. If you currently hold a Sapphire Reserve, you’re not eligible for a Sapphire Preferred.
    • You cannot earn the bonus on the Sapphire Reserve until 48 months past when you earned the bonus on the Sapphire Preferred, and vice versa.
  • Southwest Cards: If you have a Southwest Rapid Rewards Plus, Southwest Rapid Rewards Premier, or Southwest Rapid Rewards® Priority open, you are not eligible for another Southwest consumer card. You are also ineligible for the bonus on a Southwest consumer card if you have earned a bonus on another Southwest consumer card in the last 24 months. The Southwest Rapid Rewards Premier Business card and the Southwest Rapid Rewards Performance Business Credit Card are separate products in regards to this rule. In other words, you can have both a consumer Southwest card and a business Southwest card open at the same time. You can also open and hold both business cards at the same time.
  • Specific rules for the Marriott co-branded cards: There are lots of eligibility stipulations for all the Marriott-family credit cards, too many to detail here. And unlike most other card bonus rules, they cross over between consumer and business products, and even between banks! Both Chase and Amex issue Marriott co-branded cards. What I recommend before applying is reading each card’s eligibility terms, which thankfully they have easily linked for us on the application pages. This is what it looks like on the Chase Marriott Bonvoy Boundless Credit Card:

And zoomed in…

    • Once you press click here, a pop-up will appear outlining all the conditions (having, or having had, a different Marriott or SPG card) that render you ineligible for the bonus.

American Express

Photo by Images Money
Photo by Images Money
  • You can only get the bonus on an American Express card once per lifetime, a lifetime being roughly seven years. However if you were targeted for an American Express offer, you can still be approved even if you have had the card before (just make sure the terms of the offer does not include once in a lifetime language).
  • You can be approved for two Amex charge cards on the same day, but applying for two Amex credit cards will likely result in a pending response for the second application. It doesn’t necessarily mean the second card will be declined, but it’s unlikely they will both be instantly approved. Amex won’t look at the second application until five days after the first.
  • You can be approved for no more than two Amex cards in a 90 day period. If you want more than two Amex cards, apply for them on days 1, 6, and 91.
  • You are limited to holding four to five American Express credit cards. Both personal and business count toward this limit. (The Gold Delta Skymiles Credit Card from American Express is a credit card.)
    • Separately, you are limited to holding four to five American Express charge cards. Both personal and business count toward this limit. (The Platinum Card from American Express is a charge card.)
    • If you’re on the verge and contemplating a fifth credit or charge card, read this post–you can apply basically risk-free.
  • Specific rules for the Marriott co-branded cards: Like I said above about the Chase Marriott cards, there are too many eligibility stipulations for the Marriott-family credit cards to detail here. Just like with Chase Marriott cards, you can check in the offer terms of Amex’s Marriott cards for these eligibility stipulations. This is where you can find the info for the Marriott Bonvoy Business American Express Card:

Click the Offer & Benefit Terms link in the bottom corner, and in the very beginning of the terms highlighted in bold it lists the bonus eligibility stipulations.

  • Amex puts the following ambiguous language on many of their card applications: “We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility”.  At this point, we don’t have enough reports from others to be able to spell out what this means exactly. One would assume if you follow the rules listed above, you would be ok.
    • In case you forgot whether or not you’ve ever opened a specific Amex card, it looks like Amex is at least warning you before submission of the application (before a hard pull happens) if you’re eligible for the bonus or not.

Citi

  • You can apply for no more than one consumer Citi card in an eight day period. If you want two Citi cards, get them on days 1 and 9.
  • You can apply for no more than two consumer Citi cards in a 65 day period. If you want three Citi cards, get them on days 1, 9, and 66.
  • You can apply for no more than one business Citi card in a 95 day period.
  • *The numbers above are for the risk-averse. Technically, you should be able to get one consumer card in a seven day period (so applying on day 1 and 8 should be ok), two consumer cards in a 60 day period (so applying on day 1, 8, and 61 should be ok), and one business card in a day 90 day period (so applying on day 1 and 91 should be ok).
  • You are only eligible to earn a repeat sign up bonus if you haven’t opened or closed the same card within the last 24 months. 
  • You are only eligible to earn a ThankYou Point sign up bonus (from the Citi Prestige or Premier cards) if you haven’t opened or closed a card within the ThankYou Point-earning family within the last 24 moths. For example, Let’s say you opened a Citi Premier seven months ago. That means for the next 17 months (a full 24 months after you opened it) you are not eligible for the same card, nor for the Citi Prestige. If you close that Premier card, the 24 month clock will start over again and you won’t be eligible for that same card nor the Prestige for 24 months past the date you closed it.
  • You are only eligible to earn an AAdvantage sign up bonus if you haven’t opened the same AAdvantage card within the last 48 months. This rule just changed in the beginning of July, 2019. In some ways it got stricter (clock changed from 24 months to 48 months), but in other ways became looser. Instead of applying to the entire co-brand, this rule only applies to each individual product. And closing an AAdvantage card doesn’t reset the clock like it used to. For example, you can open a Citi / AAdvantage Platinum Select MasterCard and Citi / AAdvantage Executive MasterCard at the same time.

Barclays

  • Barclays is known for being the most inquiry-sensitive bank. Therefore if you’re on the verge of applying for multiple cards (from various banks), apply for the card from Barclays first. While there’s not a specific rule regarding same-day approvals, it’s not recommended to apply for multiple cards from Barclays on the same day.
  • Applicants who apply for a repeat Barclaycard product will probably not be approved for another for at least six months since the last application, and you must cancel the existing card first.
    • If you have an Arrival Card open (the downgrade option from an Arrival Plus w/no annual fee) you will need to close it before applying for an Arrival Plus
    • In regards to the Barclaycard AAdvantage Aviator cards, I have read a handful of reports that suggest waiting 24 months between applications, but I’m not willing to say that’s a hard and fast rule yet.
  • NOT a rule, but a PRO TIP: Barclaycard denies people for having too many Barclaycards, not enough spending on existing Barclaycards, too much credit with Barclaycard, or too many accounts with other banks.

Bank of America

  • For the Alaska Airlines personal cards: Restricted to opening only one every 24 months, and you are very likely to be denied for another unless you close the existing one first.
  • For all Bank of America cards…
    • Bank of America will not approve you for more than two new credit cards within a two month period 
    • Bank of America will not approve you for more than three new credit cards within a 12 month period
    • Bank of America will not approve you for more than four new credit cards within a 24 month period
    • All of that being said, I’ve also read the latest data points suggest no more than one approval every six months. If you’re conservative, stick to one every six months.

Capital One

  • You can only apply for a Capital One card once every six months. 
  • You can only hold two consumer Capital One-branded credit cards at once. This doesn’t apply to business cards or co-branded cards. Example of Capital One-branded credit card: the Capital One Venture Rewards Credit Card. Example of a co-branded Capital One card: the GM BuyPower Business Card from Capital One.

Bottom Line

Every issuing bank has different rules on how often you can apply for its cards and how often you can get a new bonus on a card you’ve had previously. The rules are changing, and the general trend is toward a tightening of the rules. The rules are sometimes written down and sometimes figured out by aggregating data points on FlyerTalk and Reddit, or good, old-fashioned experimentation.

Bookmark this page if you haven’t already, and make sure you go over the rules for the appopriate issuing bank BEFORE applying for a new rewards card. Or request a Free Credit Card Consultation and I’ll lead you through the maze. 

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74 Comments
Mike
June 23, 2015

I had 1 or 2 existing cards from barclays and got approved for 2 new ones 3.5 months apart last year after an easy recon call. So it is possible, although maybe not likely.
Some recent developments regarding the Alaska cards, not so easy to get approved for multiple cards now and multiple reports of people getting there alaska mileageplan accounts closed and losing all their points after applying for multiple cards. Be careful with that.

Reply
Scott Grimmer
June 23, 2015

You’re referring to multiple Alaska cards on the same day, correct? Or are you saying people are getting closed down for one Alaska card every 3+ months? Either way, do you happen to have a link to the report?

Reply
Lantean
June 24, 2015

here you go:

http://www.flyertalk.com/forum/alaska-airlines-mileage-plan/1688010-my-account-got-shut-down-after-getting-sign-up-bonus-5.html

http://www.flyertalk.com/forum/alaska-airlines-mileage-plan/1675298-alaska-airlines-closing-accounts-accusations-fraud-brokering.html

Reply
Frank
June 23, 2015

My wife and I each have more than 4 AMEX cards.

Reply
Frank
June 23, 2015

Sorry, I mixed credit and charge cards – oops!

Reply
jp
June 23, 2015

I think you’re missing a couple of key points in this update… the CIti Executive cards now all have the 18 month language. Alaska cards issued by B of A are in the process of being severely monitored for multiple apps. Both of your statements to the contrary are outdated.

Reply
R.
June 23, 2015

Amex Gold is a charge card AFAIK.

Reply
UAPhil
June 23, 2015

On the Amex SPG personal card, if you got a low bonus (say 4,000 miles) many years ago, are you totally precluded from getting the current bonus (25,000 miles) now? Or can you get the difference if you re-apply?

Reply
Scott Grimmer
June 24, 2015

According to the published rules, yes. I believe the published rules are enforced too.

Reply
Bank Rules For Credit Card Approvals & Bonuses – The Travel Womble
June 24, 2015

[…] Continue reading…. […]

Reply
Shawn
June 24, 2015

You do a top notch job compared to other deal killers so I’ll comment.

Churning is dead for citi. You must wait 18 mos now.

Only way around it is if you find a zombie link or some one makes one from spydering.

AFAIK this is not possible for time being. So for now citi is at the 18 mo minimum time frame between successive bonuses on same card pdc

Reply
NOT TRUE
May 26, 2016

Try 24 months. Not 18. They recently changed all of there cards to the language. DOH!

Reply
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June 25, 2015

[…] Just make sure if you are getting more than one Citi card to get no more than one card in 7 days and no more than two cards in 65 days. […]

Reply
shaam
June 29, 2015

I applied for 2 Alaska Air cards on the same day. One was approved right away 16K limit, however the 2nd one was approved after 3-weeks with 16K limit.

Reply
Scott Grimmer
June 29, 2015

Congrats!

Reply
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September 9, 2015

[…] These cards are issued by Chase. You can get a Chase bonus again if it has been at least 24 months SINCE YOU GOT THE BONUS on the car… […]

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September 30, 2015

[…] Fiji, USA to Southern South America in AeroMexico Business Class for 45,000 miles Get the Miles: Churnable personal and business cards. Transfer partner of SPG. Decent mileage sales around 2 cents […]

Reply
Travelfan
October 22, 2015

Citi Bank Rules:
Different cards have different rules for repeating the bonus. The Platinum and Gold AA cards require 18 months from closure of the identical card while the AA Executive card and Citi Prestige® Card allow you to get the bonus over and over without waiting (beyond the limit listed in the first two bullet points) or closing your other AA Executives.
Just finished calling Citi Bank re repeat bonus for AA Executives card. Citi denied bonus due to having had the card less than 18 months ago. The agent said they are strictly re-enforcing the 18months rule.

Reply
Christian
May 26, 2016

Really helpful data point. Thanks.

Reply
carol
December 14, 2015

Scott, do you know how often, or even if, you can get the sign-up bonus on the Citi Premier card? I can’t seem to find any info in their Terms and Conditions. Thanks!

Reply
Scott Grimmer
December 14, 2015

I think after it has been closed 18 months, you can get it again.

Reply
John H
February 25, 2016

Scott, got denied 2x yesterday by Citi. I was inside the 8 day and 66 day limits. Will I be able to reapply once the 8 day limit is up, or does my denial put a kink in this? I had just gotten the Prestige card and was after the AA business card.

Considering the changes with Chase, you might want to update this post.

Reply
Scott Grimmer
February 25, 2016

I will when the changes take effect. I don’t think the denials change anything.

Reply
John H
February 25, 2016

When I reapply I will go from your links. I hope you get something when I do that.

I really appreciate your help and insight.

Reply
Travelfan
February 26, 2016

Scott,
I think I read somewhere where you said you can reapply for the citi platinum card bonus after 18 months, without cancelling your existing citi platinum card. Did I get that right????

Reply
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[…] Also see: Issuing Banks’ Rules for Approvals and New Bonuses […]

Reply
ToddC
May 27, 2016

What if you apply for the Chase Ink card in a branch? Does the 5/24 rule still apply. I heard a rumor that applying in person was a way around the 5/24 rule.

Reply
jjp
May 29, 2016

Does Amex have some sort of 5 cards in 24 months rule? The wording/content seems to belong only in the Chase restrictions, yes?

Reply
Jeff S
May 30, 2016

Scott,
Re the B of A Alaska cards, are you (and others) cancelling the already opened account before and/or after applying for a new one?
Thanks

Reply
Scott Grimmer
May 30, 2016

I haven’t been. You can.

Reply
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May 30, 2016

[…] You can only get the bonus on the same Chase card once every 24 months. This 24 month clock starts when you got the last bonus (which may be several months after you got the card). Read more about issuing bank rules for approvals and new bonuses here. […]

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June 16, 2016

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August 31, 2016

[…] This card is issued by Citi. Citi has a general rule that you can only be approved for one card in an eight day period and two cards in a 65 day period. So if you have gotten other Citi cards recently like the Citi Prestige® Card or Citi ThankYou Premier Card, space out your applications, so they are on day 1, day 9, and day 66. […]

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[…] to take advantage of earning American Airlines miles for your personal and business spending, but you cannot be approved for both on the same day. The collected wisdom is to put at least 8 days between applications for cards issued by […]

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[…] Issuing Bank Rules […]

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[…] Benefit Related to Chase 5/24 Rule: American Express Business Cards don’t appear on your credit report, which means the cards don’t count toward your limit of five new cards in the last 24 months to get a new Chase card. […]

Reply
JK
February 9, 2017

Does Citi consider downgrading an account the same as closing? I downgraded a Citi AA Executive to a Bronze less than 2 years ago. Can I get the 50k bonus on the AA Platinum? Thanks.

Reply
Maury
February 9, 2017

I have been denied the Alaska card for already having one open.

Reply
tom
February 10, 2017

RE: Citi…..if you have an AA card that you opened over 2 years ago, should you leave it open and apply for another…can you? If I close it I have to wait 24 more months before applying again?

Reply
Ty
February 23, 2017

I’ve heard of people churning Alaska cards but is that still possible? I have a personal and business card. My wife has personal but we’d get more and keep them if possible? Can you get as many as you want as long as you wait 90 days? Thanks as we’d love to use more buddy passes

Reply
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Ahad
April 21, 2017

I had the arrival plus and then downgraded to the no-fee version of the card. Can i apply for the arrival plus and get the sign-up bonus with the no-fee version card open or must cancel it?

Reply
Sarah Page Maxwell
April 28, 2017

You must cancel your no annual fee Arrival card first.

Reply
Ahad
September 7, 2017

How long do you think I should wait after cancelling to apply again.

Reply
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Reply
Shawn
September 5, 2017

Not all Chase cards are restricted to 5/24 (i.e. IHG, Hyatt, Marriott Business)

Reply
Dennis
September 5, 2017

Huh? re: your Chase comment that says “If you have 5+ new credit card accounts with any bank in the last 24 months, you will be denied all Chase personal and business credit cards…(unless targeted)”.

There are a number of Chase cards that aren’t 5/24 restricted and would be approved even if both (1) not targeted, and (2) over 5/24.

Reply
Sarah Page Maxwell
September 5, 2017

You’re correct, we’ve written about that many times on the blog as well. Those links were just left out but I have added them now for clarification.

Reply
Stan
September 7, 2017

You say that ” if you currently hold a Sapphire card, you’re not eligible for a Sapphire Preferred nor a Sapphire Reserve”. Does that apply if you are an authorized user on your spouses’s Sapphire card?

Reply
EC
September 7, 2017

I am an authorized user on my husband’s Sapphire Preferred card. Can I get a Sapphire Reserved card?

Reply
rxgeek
September 11, 2017

Very valuable post. Please keep it updated.

Reply
Stan
September 12, 2017

What are the rules for the Ink preferred card? If I have another Ink card can i get it?

Reply
J
July 10, 2018

The numbers for Citi are incorrect. The numbers you use are the ones recommended on sites like flyertalk to make sure that the actual rules are not broken. The actual app rules are 1/7, 2/60, and 1/90 for biz cards.

Reply
Sarah Page Maxwell
July 10, 2018

Thanks, yes, I am aware. I added a bullet for the less risk-averse.

Reply
Geoff Stuart
September 6, 2018

<>

Do you mean another SOUTHWEST consumer card, or ANY consumer card? Big difference! Please edit to clarify.

Reply
Sarah Page Maxwell
September 7, 2018

I meant another Southwest consumer card. Edited to clarify!

Reply
Byron
September 7, 2018

BOA turned me down on Alaska card and it has been over 6 months since closing. I have no other cards with BOA. Well above 800 FICO. Scatching my noggin on this one. Did not call recon.

Reply
Sarah Page Maxwell
September 7, 2018

Did that card you closed have a high credit limit?

Reply
Paul Davis
July 14, 2019

You have not updated the Citibank new 48 month restriction

Reply
Sarah Page Maxwell
July 15, 2019

Yes I did, it’s the last bullet in the Citi section (only applies to AAdvantage card for now).

Reply
jpv
January 13, 2020

“Applicants who apply for a repeat Barclaycard product will probably not be approved for another for at least six months since the last application, and you must cancel the existing card first.”

I was approved for JetBlue Biz and AA Biz less than a month apart in Nov 2019.

Reply
Sarah Page Maxwell
January 13, 2020

That sentence is referring to churning the same card again. So for example, opening a JetBlue Biz and then opening another JetBlue Biz.

Reply

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